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Access to Formal Credit in Argentina in Times of Crisis: An Analysis of the Impact of COVID-19 from a Gender Perspective

Author

Listed:
  • Laura Cuccaro

    (Central Bank of Argentina)

Abstract

Covid-19 has led to worse economic consequences for women and deepened the structural problems to reach their economic autonomy. This document provides empirical evidence for Argentina regarding access to credit by gender during the pandemic outbreak. The results show that although credit declined for both men and women, the fall was deeper for the latter. Credit cards were a crucial credit resource. The lower relative access of women to finance through this instrument may have prompted the search for non-banking financing, worsening their credit financial conditions compared to men. Additionally, the study provides new evidence to the literature that stands by the idea that households with lower income and higher care demand were more vulnerable to the Crovid-19 crisis.

Suggested Citation

  • Laura Cuccaro, 2023. "Access to Formal Credit in Argentina in Times of Crisis: An Analysis of the Impact of COVID-19 from a Gender Perspective," BCRA Working Paper Series 2023108, Central Bank of Argentina, Economic Research Department.
    • Handle: RePEc:bcr:wpaper:2023108
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    File URL: https://www.investigacioneseconomicas.bcra.gob.ar/documentos_de_trabajo/article/view/60/601
    File Function: Spanish version (versión en Español)
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty
    • E65 - Macroeconomics and Monetary Economics - - Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General Outlook - - - Studies of Particular Policy Episodes

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