Gender Gaps in Access to the Mortgage Market of Ecuador

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Peer Reviewed icon Peer Reviewed
Date issued
Jun 2021
Subject
Gender Gap;
Urban Development;
Housing Loan;
Consumer Credit;
Women;
Housing;
Gender;
Credit;
Urban Women;
Credit Access;
Gender Discrimination;
Inclusive City;
Income Distribution;
Household Income
JEL code
J16 - Economics of Gender • Non-labor Discrimination;
R28 - Government Policy;
R21 - Housing Demand;
R31 - Housing Supply and Markets
Country
Ecuador
Category
Technical Notes
The study "Gender gaps in access to the mortgage market in Ecuador" analyzes the access of women in conditions of poverty and moderate poverty to obtain a home loan in the formal financial system, the dimensioning and characterization of critical nodes and potentialities (supply and demand), qualifying the current demand and the type of housing for which credit is granted; as well as the identification and characterization of the main challenges faced by women in the granting, the level of exclusion, the credit behavior and the practices and conceptions of financial institutions (IFIs) that offer housing credit, from which the present conclusions and establish recommendations that contribute to narrowing the identified gender gaps, contributing to the implementation of projects and public housing policy in the country.