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El acceso al crédito formal argentino en tiempos de crisis: Un análisis a partir del impacto del COVID-19 con perspectiva de género

Author

Listed:
  • Laura Cuccaro

    (Central Bank of Argentina)

Abstract

La pandemia de COVID-19 ha tenido un impacto económico adverso diferencial en las mujeres y ha profundizado los problemas estructurales para alcanzar su autonomía económica. Este artículo presenta evidencia empírica para la Argentina de la relación entre el acceso al crédito por género y la irrupción de la pandemia en el país. Los resultados señalan que el acceso al crédito se vio afectado adversamente por el COVID-19 y el impacto fue más pronunciado para las mujeres. Las tarjetas de crédito han sido un instrumento clave de financiamiento. El menor acceso relativo de las mujeres a este instrumento habría impulsado la búsqueda de fuentes de financiamiento no bancarias, dando lugar a un deterioro de las condiciones financieras del crédito de las mujeres en comparación con los hombres. Adicionalmente, el estudio aporta nueva evidencia a la literatura que sostiene que los hogares de bajos ingresos con altas demandas de cuidado han sido más vulnerables a la crisis del COVID-19.

Suggested Citation

  • Laura Cuccaro, 2023. "El acceso al crédito formal argentino en tiempos de crisis: Un análisis a partir del impacto del COVID-19 con perspectiva de género," BCRA Working Paper Series 2023108, Central Bank of Argentina, Economic Research Department.
    • Handle: RePEc:bcr:wpaper:2023108
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    More about this item

    Keywords

    Acceso al crédito; desigualdad de género; financiamiento no bancario; Covid-19; crisis económica; autonomía económica; Argentina;
    All these keywords.

    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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