by Rita Bartolomei
Women and money, can you? Yup. Amimata Gabriella Falfor Ami friends, on the web Pecuniami, – “The friend who works in the bank”, loaned to social networks (with success) -, she managed to make the two words get along. And she explains how in Lord, it’s time to count!, where the exclamation point is part of the training. In fact, the subtitle reads “financial awareness manual”.
Amimata Gabriella Fal, for her friends Ami, on the web Pecuniami, has been working in a bank for over 20 years
Usually there is the desire for more money and at the same time the anxiety of running out. Does it also apply to women?
“Women are certainly more afraid of losing money. They do not aim for super performance, they do not say ‘I will get rich’, but they are looking for a balanced management that guarantees serenity “.
Do they put well-being first, then?
“Yes, too much. They are so afraid of worrying that sometimes they don’t even dare leave the comfort zone ”.
Among the exercises he suggests, count on that cashmire coat and think if it’s really an investment, before extending your credit card. But it is also good to know everything about ‘bancalese’, as you call it?
“The important thing is that we, like when we go to the doctor, are able to describe our symptoms to those who have to help us in financial decisions.”
Sui social Pecuniami she helps those who ask her for advice to manage their financial situation: many women but also some men
In short, do we have to make our goals well understood?
“Exactly. Like: in six months I want to go on vacation, in 10 years I want to buy a house, in 5 I want to do a master’s degree. And never stop at the first professional. Just like you do with doctors “.
But do women, who tend to delegate finances to the man of the house, have performance anxiety when handling money?
“Surely. Also because they have less money in their pockets and therefore perceive its value even more. Between the gender gap and inconsistent careers, the money saved has even more weight for women than for men. Who may find it even less difficult to obtain increases at work “.
In other words, do women on money feel inadequate?
“Surely there is also this element, because they are subjects that are not learned in school. It is the answer that the ladies give even when they do the polls. They have not studied it and therefore they are not sure that what they are doing is correct ”.
Gender gap in access to credit. You write that in only 5 countries – Canada, Estonia, Hungary, New Zealand and Slovenia – there is no such problem. What does it mean?
“I started my dissemination activity in 2018, really struck by the Bank of Italy data which even referred to 2009. They indicated exactly this, that female businesses had difficulty accessing credit”.
Ami Fal: “Women are certainly more afraid of losing money, they have less of it in their pockets and they perceive its value more”
But have things improved in the meantime?
“I would say no. Although they are better managed, smaller companies, they are nevertheless perceived by those who carry out the analyzes as more dangerous. And therefore the same credit is more difficult to grant “.
A typical scene in the bank today.
“I am starting from a situation that I have always imagined. All these digital entrepreneurs who go to the bank to ask for 5 thousand euros for a 3D printer, for example. Perhaps facing an official who is not up to date, perhaps a man who takes them a little lightly. And they hear the fateful question asked: can’t your father or husband come and sign the guarantee? ”.
Fantasy or reality?
“Situations that are often told to me”.
And instead in those 5 countries …
“Men and women enter the bank with the same probability of obtaining a loan, under the same conditions”.
We are in a war economy. What do people ask of you during this time to feel safe, as the anxiety of losing everything rises?
“Many have remained frozen in the act of investing. Someone was ready to do it and now doubts. Or he asks himself: disinvestment? Or also: can I still buy a house? “.
In short, great bewilderment. What advice do you give?
“It always depends on our risk appetite. If you are not afraid of losing in the short term, then now is a good time to invest. Because it is as if we are buying on sale. But to do this, you need to think ahead, at least 5-10 years “.
In a period like the present one, of great bewilderment, the consultant recommends investing in alternative energy and corporate sustainability
And what is the best orientation, in your opinion?
“If I am optimistic, I can continue to focus on the alternative energy market, always in the medium-long term. It’s not like I’m making money tomorrow ”.
In general?
“I believe that those who have invested in corporate sustainability will make a difference in the coming years. It means industrial and economic but also human “.
In the meantime, what feedback do you have from your social activity?
“The thing that makes me happiest is when women of any age but also men write to me, because I have a hard core of male readers”.
To tell her what?
“They tell me about their choices, ‘Thanks to you today I have a pension fund, thanks to you I decided to take care of my budget, thanks to you I went to the bank to talk…’. These have been fantastic results for me. Because they show strength and self-confidence “.