Overview
- INDEC’s new dossier finds 40.8% of households used savings or sold belongings to cover everyday consumption in the first half of 2025.
- Overall, 25.5% of households took some form of loan, with middle- and higher-income groups borrowing more from banks and finance companies and lower-income families relying more on informal credit.
- Among low-income households, 22.5% borrowed from family or friends between January and June 2025 to maintain the household.
- Long-run data show growing dependence on financing: installment or fiado purchases reached 50.9% in 2025, bank and financial loans rose to 14.2%, and savings drawdowns climbed from 19.9% in 2003 to 37.4%.
- For poor households in H1 2025, average total family income was ARS 671,492 versus a basic basket of ARS 1,065,691, highlighting a persistent gap between earnings and basic needs.