Female inclusion indicators in the Dominican financial system are improving. More and more women are reaching and using their access to formal credit, increasing from 925,670 in January 2021 to 1,311,792 in January of this year, for a growth of 42% (+386,655). In this context, it is highlighted that, in November 2025, for the first time, the number of women with credits surpassed the number of men. This behavior has been maintained, with a difference of 3,579 being recorded in January of this year. Similarly, women topped the list of new debtors, with a slight difference above the male group. They represented 50.4% and they 49.6% of this item between January 2025 and January 2026, according to data from the Dominican Banking Market Information System (SIMBAD). With the term new debtors, the SB refers to people who acquire access to formal credit for the first time, achieving more favorable conditions than they would have obtained in the informal market. The progress in women’s access to the financial system corresponds to that observed in the male population. However, when analyzing the amounts of financing, it is observed that a gap persists in favor of men. The average balance owed by the male population was RD$190,750 in January of this year, while women had an average balance of RD$139,167 in the same period. “Although men maintain higher average debt levels, the gap has narrowed slightly in recent years, indicating more balanced credit behavior,” according to the report Towards an inclusive and sustainable financial system 2025, published by the Superintendency of Banks (SB).
Regarding savings, there is a notable difference between the savings level of men and women. As of January of this year, men accumulated a balance of one trillion pesos (57.4%), while women totaled RD$795 billion (42.5%). On average, they had deposits of RD$114 thousand and they had RD$160 thousand.
