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Las disparidades de género en la tasa de irregularidad del crédito como fenómeno estructural: Evidencia para la Argentina

Author

Listed:
  • Laura Cuccaro

    (Central Bank of Argentina)

Abstract

La literatura que brinda explicaciones estructurales acerca de las diferencias de conductas entre géneros y que contribuye a la comprensión de la menor morosidad atribuible a las mujeres abarca diversas áreas, como la sociología, la psicología, el derecho y la economía. Si bien aún existen vacíos críticos en esta área de conocimiento, la internalización de los roles de género como estándares propios emerge como un factor común en las diversas explicaciones que brinda la literatura. El estudio indaga si la irrupción del Covid-19 alteró el desempeño habitual del riesgo de morosidad en el pago de las obligaciones financieras por género en la Argentina. A partir del uso de datos de registro únicos, el trabajo aporta nueva evidencia empírica acerca del carácter estructural del comportamiento divergente por género en el cumplimiento de las obligaciones financieras.

Suggested Citation

  • Laura Cuccaro, 2023. "Las disparidades de género en la tasa de irregularidad del crédito como fenómeno estructural: Evidencia para la Argentina," BCRA Working Paper Series 2023110, Central Bank of Argentina, Economic Research Department.
    • Handle: RePEc:bcr:wpaper:2023110
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    More about this item

    Keywords

    riesgo de crédito; economía de género; estereotipos de género; comportamiento; preferencias; teoría prospectiva;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination

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