Differentiated rates for women, far

It is a fact that in many economic sectors – if not in most – equal pay does not exist between men and women and there is a difference between what each of them receives, where women invariably earn less, despite the fact that do the same job.

This situation often decreases the possibility of a woman saving more or having access to a greater amount of credit, or of being able to obtain financing, which will initially be of a lower amount and that, due to having a lower income, will be paid in a timely manner. and even before the established term according to the statistics.

The data indicates that women pay better than men and it is also something that “intuitively” happens, as many executives in the financial sector have recognized. For all this, a reform was presented a couple of years ago to allow banks to give credit under better conditions for women, in exchange for lower capital requirements, but the years go by and nothing has happened.

And what do the banks say about it? They consider that the legal framework, although it is a good step, turns out that they have not been able to “weight” or establish effective statistics to apply this regulation that would benefit millions of women, since paying a lower rate because the operation is less risky for The institution is something that many would like, be careful, we are not talking about differentiated products, but rather differentiated rates.

Although it must be clarified that offering differentiated rates based on risk is something that many banks already offer, regardless of gender (which is very good for their customers); They offer lower rates on their products as they get to know them and they meet and grow their credit history.

Of course, the Association of Banks of Mexico (ABM) chaired by Daniel Becker, assures that although it is difficult to gauge the difference in risk between genders and with this the banks can consume less capital, they hope in a few years to be able to apply this regulation and Although they affirm that they are working on it, everything indicates that we will not see it in the short term.

For now, regardless of gender, there is nothing left but to work on having a better credit history so that in time, the bank of which they are clients will value it and they can access larger amounts of financing and, above all, lower interest rates. , but the road for all is still long.


And on the other side of the coin, with more than 20,000 people surveyed in nine countries, the data released by the dating application Bumble on the gender gap and the role of women in society continue to show the great pending that exists. , since despite the fact that 93 percent agree that men and women should have the same opportunities in everything, women still have to compromise between career, relationships and family in a way that men do not. And in terms of professional equality, the panorama is not at all favorable, because although discrepancies were detected between what people expect and what they experience in their workplace, 83 percent of women recognize that there is inequity in the care of those who have children and fosters inequality in career achievement. Financial independence is key in relationships, since 84 percent of women consider that they stay in relationships where they are not happy due to lack of independence in their income, a sad reality. For now, the coin is in the air. All to the march!

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Deborah Acker

I write epic fantasy; self-published via KDP. Devoted dog mom to my 10 yr old GSD, Shadow! DM not a priority; slow response at best #amwriting #author.

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