# Umbria regional economic trends

> Live situation record from CLSTR: https://clstr.news/situations/umbria-regional-economic-trends
> Updated: 2026-10-21T12:53:05.000Z. Sources: 6. Developments: 2.

The economy in the Umbria region of Italy is facing significant structural challenges and uneven growth. Data indicates a sharp contraction in available bank credit for small enterprises, which saw a real value loss of approximately €1.11 billion between late 2021 and early 2026. This decline is attributed to weakened investment, lower financing demand, and increased risk aversion among lenders.

While regional GDP growth remains modest, estimated at 0.2% for 2026, the labor market shows resilience with an employment rate near 69%. Economic performance varies by province, with Terni seeing increased profitability in certain sectors and Perugia showing strength in material investments. Additionally, while the female employment rate of 63% has surpassed the Italian national average, a significant gender wage gap persists, with women earning an average of €20,721 compared to €27,141 for men.

## Timeline

### 2026-10-21: Umbria economy shows mixed signals with high female employment

Umbria faces uneven economic growth and a dual-speed provincial economy, while maintaining a female employment rate of 63% despite a significant annual gender wage gap.

3 sources. https://clstr.news/cluster/umbria-economy-shows-mixed-signals-with-high-female-employment

### 2026-10-10: Umbria small businesses lose over €1 billion in real credit value

Small businesses in Umbria, Italy, have seen a 38.8% real decline in bank credit since late 2021, representing a loss of over €1 billion in purchasing power.

2 sources. https://clstr.news/cluster/umbria-small-businesses-lose-over-1-billion-in-real-credit-value

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Cite as: Umbria regional economic trends. CLSTR, https://clstr.news/situations/umbria-regional-economic-trends