{"id":141877,"date":"2026-08-25T10:13:17","date_gmt":"2026-08-25T13:13:17","guid":{"rendered":"https:\/\/100xd.com.ar\/?p=141877"},"modified":"2026-08-25T10:13:17","modified_gmt":"2026-08-25T13:13:17","slug":"el-perfil-de-la-mora-en-la-argentina-que-entidades-concentran-la-mayor-cantidad-de-deudores","status":"publish","type":"post","link":"https:\/\/100xd.com.ar\/en\/el-perfil-de-la-mora-en-la-argentina-que-entidades-concentran-la-mayor-cantidad-de-deudores\/","title":{"rendered":"El perfil de la mora en la Argentina: qu\u00e9 entidades concentran la mayor cantidad de deudores"},"content":{"rendered":"<p class=\"wp-block-paragraph\" id=\"p-1787657776348-68341\">Un trabajo realizado por el analista Mati Fern\u00e1ndez traz\u00f3 una radiograf\u00eda detallada sobre la&nbsp;<strong>morosidad crediticia<\/strong>&nbsp;en la&nbsp;<strong>Argentina<\/strong>. Seg\u00fan el informe, elaborado a partir de los microdatos de la&nbsp;<strong>Central de Deudores del Banco Central (BCRA)<\/strong>&nbsp;de junio de 2026 y del padr\u00f3n de ARCA, 5,86 millones de personas f\u00edsicas registraban deudas atrasadas. La cifra representa al 27,1% del total de deudores relevados, mientras que la morosidad alcanza el 15,5% del volumen total adeudado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-1787657776348-2918\">El an\u00e1lisis expone una fuerte disparidad entre la cantidad de morosos y el monto acumulado: el 17% de los afectados debe menos de $100.000 y cerca del 40% tiene obligaciones pendientes por debajo de los $400.000. En el otro extremo, un 14,5% de los deudores concentra el 73% del volumen de dinero impago.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.mdzol.com\/p\/d20898021a52dae0b0f11b901c48786a\/adjuntos\/373\/imagenes\/001\/955\/0001955124\/466x311\/smart\/morosidad-deudas-bancos-creditos.jpg\" alt=\"Los j\u00f3venes son los m\u00e1s endeudados en billeteras virtuales.&nbsp;\" width=\"171\" height=\"96\" title=\"El perfil de la mora en la Argentina: qu\u00e9 entidades concentran la mayor cantidad de deudores\">Te puede interesar<a href=\"https:\/\/www.mdzol.com\/dinero\/radiografia-un-pais-endeudado-cual-es-la-tasa-morosidad-provincia-n1590403\">Radiograf\u00eda de un pa\u00eds endeudado: cu\u00e1l es la tasa de morosidad por provincia<\/a><a href=\"https:\/\/www.mdzol.com\/dinero\/radiografia-un-pais-endeudado-cual-es-la-tasa-morosidad-provincia-n1590403\"><\/a><\/li><\/ul>\n\n\n\n<figure data-spectra-id=\"spectra-65ef92ee-3a29-4632-a256-91dbde6869f5\" class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/media.mdzol.com\/p\/f623025dbdc2bb641d23b9ea13f2bb7b\/adjuntos\/373\/imagenes\/001\/984\/0001984301\/760x0\/smart\/mora.jpg\" alt=\"Mora\" title=\"El perfil de la mora en la Argentina: qu\u00e9 entidades concentran la mayor cantidad de deudores\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Gentileza<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"p-1787657776348-33737\">Bancos concentran el monto; fintechs y cr\u00e9ditos r\u00e1pidos, la cantidad de personas<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-1787657776348-19427\">Los&nbsp;<strong>bancos&nbsp;<\/strong>tradicionales encabezan la concentraci\u00f3n del capital adeudado, al absorber el&nbsp;<strong>65% del dinero en mora<\/strong>&nbsp;(45% en entidades privadas y 20% en p\u00fablicas). En la banca privada, la mediana de la deuda atrasada se ubica en $1.458.000.<\/p>\n\n\n\n<figure data-spectra-id=\"spectra-b4eb029c-67ba-426e-8c8d-1273d8adeb45\" class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/media.mdzol.com\/p\/0ae211a38b8fd4f21c89cbe4569fe16c\/adjuntos\/373\/imagenes\/001\/984\/0001984302\/760x0\/smart\/mora.jpg\" alt=\"Mora\" title=\"El perfil de la mora en la Argentina: qu\u00e9 entidades concentran la mayor cantidad de deudores\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Gentileza<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-1787657776348-9006\">La estructura cambia al analizar la masa de deudores:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/media.mdzol.com\/p\/5b5272d7a518eae9a60cfc49b0cdf306\/adjuntos\/373\/imagenes\/001\/859\/0001859036\/466x311\/smart\/prestamos.webp\" alt=\"Se incrementa la morosidad con los bancos.&nbsp; &nbsp;\" width=\"171\" height=\"96\" title=\"El perfil de la mora en la Argentina: qu\u00e9 entidades concentran la mayor cantidad de deudores\">Te puede interesar<a href=\"https:\/\/www.mdzol.com\/dinero\/la-morosidad-las-familias-acumulo-20-meses-consecutivos-aumento-n1590575\">La morosidad de las familias acumul\u00f3 20 meses consecutivos de aumento<\/a><a href=\"https:\/\/www.mdzol.com\/dinero\/la-morosidad-las-familias-acumulo-20-meses-consecutivos-aumento-n1590575\"><\/a><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\" id=\"p-1787657776348-25529\"><li><strong>Mercado Libre \/ Mercado Pago:<\/strong>&nbsp;concentra el 19% de las personas en mora pero solo el 2,9% del monto, con una mediana de $116.000. Fern\u00e1ndez vincul\u00f3 esto a la inclusi\u00f3n financiera y a los cr\u00e9ditos de bajo monto.<\/li><li><strong>Cr\u00e9dito r\u00e1pido no bancario (Credicuotas, Moni, Waynicoin, Mins):<\/strong>&nbsp;re\u00fane al 22,6% de los morosos y el 7,7% del capital, con una mediana de $500.000 y una tasa promedio de mora del 52%.<\/li><li><strong>Comercio y tarjetas no bancarias:<\/strong>&nbsp;las casas de electrodom\u00e9sticos, supermercados y pl\u00e1sticos de consumo explican el 35% de las personas con atrasos y el 14% del volumen. Un 17,8% de los morosos ya se encuentra en carteras de recupero.<\/li><\/ul>\n\n\n\n<figure data-spectra-id=\"spectra-d232e96e-d396-4e21-a71c-037a309f0825\" class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/media.mdzol.com\/p\/4a854229ca22246f7ceab2e49a8d2782\/adjuntos\/373\/imagenes\/001\/984\/0001984300\/760x0\/smart\/mora.jpg\" alt=\"Mora\" title=\"El perfil de la mora en la Argentina: qu\u00e9 entidades concentran la mayor cantidad de deudores\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Gentileza<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"p-1787657776348-88483\">Alarma por los j\u00f3venes y causas del deterioro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-1787657776348-954\">El segmento de entre 18 y 25 a\u00f1os registr\u00f3 un fuerte incremento:&nbsp;<strong>la cantidad de deudores en este grupo trep\u00f3 un 38%<\/strong>, mientras que la tasa de morosidad salt\u00f3 del 24,7% al 40,8%, con una mediana de deuda atrasada de $282.000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-1787657776348-11294\">El estudio detalla que el 50% de las personas en mora debe a una sola entidad y el 90% a un m\u00e1ximo de tres. El analista descart\u00f3 una relaci\u00f3n directa entre la mora y variables como la pobreza o el desempleo, asociando el fen\u00f3meno a la ca\u00edda del poder adquisitivo, la flexibilizaci\u00f3n de riesgos en el sector no bancario y la alta carga impositiva sobre el cr\u00e9dito (IVA, Sellos, Ingresos Brutos), que encarece entre un 25% y un 40% el costo financiero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fuente: <a href=\"https:\/\/www.mdzol.com\/\">Mendoza online<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Un trabajo realizado por el analista Mati Fern\u00e1ndez traz\u00f3 una radiograf\u00eda detallada sobre la&nbsp;morosidad crediticia&nbsp;en la&nbsp;Argentina. Seg\u00fan el informe, elaborado a partir de los microdatos de la&nbsp;Central de Deudores del Banco Central (BCRA)&nbsp;de junio de 2026 y del padr\u00f3n de ARCA, 5,86 millones de personas f\u00edsicas registraban deudas atrasadas. La cifra representa al 27,1% del [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":141878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[],"class_list":["post-141877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacado"],"spectra_blocks_featured_image_url":{"thumbnail":{"url":"https:\/\/100xd.com.ar\/wp-content\/uploads\/2026\/08\/firuli-2-150x150.webp","width":150,"height":150},"medium":{"url":"https:\/\/100xd.com.ar\/wp-content\/uploads\/2026\/08\/firuli-2-300x176.webp","width":300,"height":176},"medium_large":{"url":"https:\/\/100xd.com.ar\/wp-content\/uploads\/2026\/08\/firuli-2.webp","width":760,"height":446},"large":{"url":"https:\/\/100xd.com.ar\/wp-content\/uploads\/2026\/08\/firuli-2.webp","width":760,"height":446},"full":{"url":"https:\/\/100xd.com.ar\/wp-content\/uploads\/2026\/08\/firuli-2.webp","width":760,"height":446}},"spectra_blocks_author_info":{"display_name":"Jorge Alfredo Baret","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/31696f5ca83439b642450ec7d3f82f98451a5efacb414343d5478c982b337f26?s=96&d=mm&r=g","author_link":"https:\/\/100xd.com.ar\/en\/author\/jorge\/","description":"Ingeniero Qu\u00edmico UTN - Director Apoderado de Comunicaciones Auditadas SA. Editor Responsable 100xd.com.ar."},"_links":{"self":[{"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/posts\/141877","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/comments?post=141877"}],"version-history":[{"count":1,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/posts\/141877\/revisions"}],"predecessor-version":[{"id":141879,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/posts\/141877\/revisions\/141879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/media\/141878"}],"wp:attachment":[{"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/media?parent=141877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/categories?post=141877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/100xd.com.ar\/en\/wp-json\/wp\/v2\/tags?post=141877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}