According to Superintendencia Financiera data as of February 27, 43.6% of credits disbursed in Colombia went to women, amounting to $2.81 billion. Consumption and housing are the main sectors where women seek bank loans. Banks like Bancolombia note that women demonstrate greater responsibility in debt repayment.
Financial inclusion and closing gender gaps are recurring topics in discussions, particularly around International Women's Day. Superintendencia Financiera data as of February 27 shows that 43.6% of disbursed credits in Colombia were for women, totaling $2.81 billion. Historically, men have had greater access to credit, but banks highlight women's stronger commitment to repayment.
Luz María Velásquez, vice president of people at Bancolombia, stressed the importance of expanding opportunities for women. “We have more women than men as clients, but generally, they are more cautious about requesting credit. So, when they decide on credit, it's because they've done all their calculations and say: I can pay. Men often don't think about it; they need it and go for the credit. Women are much more careful,” explained Velásquez.
Bancolombia reports more female clients than male, though economic vulnerability remains a challenge for women. Other entities show similar patterns: Nequi states that 49.3% of its users are women, with 46.8% of that group holding active credit. At Daviplata, women make up 52% of users.
Marcela Ramírez, CEO of the company, noted: “The strategy has been to benefit the segment with better rates, recognizing their good financial behavior habits. They are offered rates up to 100 basis points lower.” These figures indicate progress in credit equity, though full access continues to be a hurdle.