Does the Argentine financial system reduce or amplify the labor market’s gender gap?

Laura Muriel Cuccaro (), Máximo Sangiácomo (), Lucía Tumini () and Ariel Wilkis ()
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Laura Muriel Cuccaro: Central Bank of Argentina
Máximo Sangiácomo: Central Bank of Argentina
Lucía Tumini: Economic Commission for Latin America and the Caribbean (ECLAC)
Ariel Wilkis: National University of San Martín (UDAES – UNSAM), Argentina; CONICET, Argentina

Ensayos Económicos, 2023, vol. 1, issue 82, 52-76

Abstract: The COVID-19 crisis has had a differential impact on women and has deepened the structural problems to achieve their economic autonomy, such as limited access to the formal financial system and excess indebtedness. The purpose of this study is to generate knowledge about access to financing and debt management for women compared to men and to investigate whether or not the Argentine financial system contributes to widening the gender gaps originated in the labor market. For people with formal credit and with formal employments, the econometric results indicate that the differences in access to financing are explained to a large extent, although not exclusively, by the unfavorable labor insertion of women compared to men. At the same time, the study finds robust evidence that women have a lower rate of irregularity in credit payments.

Keywords: credit; financial inclusion; gender; personal finances; monetary policy (search for similar items in EconPapers)
JEL-codes: D14 E5 G5 J16 (search for similar items in EconPapers)
Date: 2023
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