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Factores determinantes de la probabilidad de no pago de deuda de los hogares uruguayos

María Landaberry ()

No 2017011, Documentos de trabajo from Banco Central del Uruguay

Abstract: This paper estimates models on the default probability of households in Uruguay in the nonmortgage credit and credit card segment considering sociodemographic and financial characteristics using data obtained from the second edition of the Household Financial Survey and the Continuous Household Survey. Household income, the relation between income and expenditure, and the age of the household head are significant for explaining default probability in all the segments, while the education of the household head is only relevant for the nonmortgage credit segment. Furthermore, we analyze the impact on household debt default by the obligation to pay salaries through electronic media introduced by the Financial Inclusion

Keywords: financial stability; Uruguay; financial survey; indebtedness (search for similar items in EconPapers)
JEL-codes: C5 G01 G19 (search for similar items in EconPapers)
Pages: 47 pages
Date: 2017
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https://www.bcu.gub.uy/Estadisticas-e-Indicadores/ ... 0Trabajo/11.2017.pdf First version, 2017 (application/pdf)

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Chapter: Factores determinantes de la probabilidad de no pago de deudas de los hogares uruguayos (2018) Downloads
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