Alcances y cambios de la deuda de hogares en Bahía Blanca

This article presents the findings regarding the dynamics of income and debt of households in Bahía Blanca, Argentina. The study of the financial situation of households has gained relevance in recent years. From the agenda of international credit organizations, the financial inclusion agenda is presented as an instrument for the fight against poverty. However, the results do not seem so linear. Financing in households shows differences depending on the socio-economic situation of the households, showing different sources, reasons and uses. This article discusses this situation based on quantitative information collected between 2020 and 2023, a period that goes through different phases of the national economic cycle. Differential impacts are found, which open the door to assuming that household debt hides situations of vulnerability of basic rights.