(Finance) – The bank credit map shows how much access to funding, in Italy, is mainly male And how much the phenomenon is widespread throughout the national territory. It detects it Fabi explaining that from north to south, men are granted much more credit than women, and if the primacy of Gender discrimination is all southern, the credit market in favor of female clientele struggles to take off even in the northern territories. The reasons for this disparity are common: The lowest employment rate, first of all, but also the greater occupation of women in the sectors with the lower wages, the wide use of part -time work that lead to salaries and reduced pensions; the contained attitude to risk; minors assets, especially real estatenecessary for banking guarantees.
Overall, Credit Gender Gap is worth almost 70 billion on a national scale, confirming itself substantially at the levels of 2023 The worst regions are still Campania, Puglia, Veneto, Sicily, Lombardy, Piedmont and Basilicata, where the credit granted to female customers does not exceed the national average of 20%. The three best, however, are Valle d’Aosta, Sardinia and Lazio where bank funding reach 25%, 23.4%and 23%respectively. In Calabria, Emilia-Romagna, Friuli-Venezia Giulia, Molise, Umbria, Trentino-Alto Adige, Marche, Tuscany, Abruzzo and Liguria, the pink credit shares range from 20% to 22.4%. The gap in the pension rises by over 7%: the INPS checks to women are lower than 553 euros; The figure relates to 2023 and is higher than 37 euros than the 516 euros recorded in 2022
Gender Credit Gap which was worth 68 billion euros last year, Given in line with that relating to 2023. Overall, women access less than 20% of the total credit paid to families, while men are intended for over 34%. The remaining 45% consists of joint funding – together with a man and a woman or more people – who, however, do not guarantee financial autonomy in themselves for women. If the credit in the name of individually is considered, the gap is evident: men receive over a third of the overall credit, while women are responsible just a fifth of the total. The difference, translated in absolute terms, is worth about 68 billion euros in favor Of men: on a total amount of 472 billion, 162 billion were granted to male customers, while only 94 billion to female customers.
The differences are not distributed uniformly on the Nation territoryThe, but show significant differences between the regions and the geographical macroareas. In Northern Italy, which includes North West and North East, the percentage of credit paid to women stands around 19.6%, while men are intended for about 34.6%. In Central Italy, women get on average 22.3% of the credit, against 33.7% intended for men, a relatively more balanced situation than the rest of the country. In the south the female percentage drops to 18%, while in the islands it stands at around 20.3%, with access to male credit which is around 34.2%and 35.8%respectively. Gender disparity also finds confirmation in bank credit: men are almost double the loans compared to women. The stock of funding to the families granted by the institutes, in September 2024, amounted to over 472 billion: of these 162 billion has been paid to men, 94 billion to women and 215 billion refer to co -investigated financing contracts. Overall, the Credit Gender Gap in 2024 remained at the same levels of the previous year (about 70 billion on a national scale): the credit granted to women is equal to 20.3% of the total against 35.8% of that of men, while the co -owned funding is worth 44%.
The distance between women and credit unites the whole national territory: The gap is distributed, in fact, in all the geographical areas of the country. The worst regions are Campania, Puglia, Veneto, Sicily, Lombardy, Piedmont and Basilicata, where the credit granted to female customers does not exceed the national average, equal to 19.98%. The three best, however, are confirmed, as in 2023, Valle d’Aosta, Sardinia and Lazio where bank funding for women reach 25%, 23.4%and 23%respectively. In Calabria, Emilia-Romagna, Friuli-Venezia Giulia, Molise, Umbria, Marche, Trentino-Alto Adige, Abruzzo, Tuscany and Liguria, the pink credit shares range from 20% to 22.4%.