Restricción de crédito y probabilidad de no pago de los hogares uruguayos

María Landaberry ()

No 2018001, Documentos de trabajo from Banco Central del Uruguay

Abstract: This document identifies the households that face credit restrictions in Uruguay and analyzes the relationship that exists between the credit restriction of a household and its level of risk, measured as the unconditional probability of default of it non-mortgage debt. According to the results obtained, 76% of households report being in a situation of credit restriction. Additionally we find evidence that households with credit restrictions have, on average, a higher probability of not paying their nonmortgage debt than unrestricted households.

Keywords: Financial survey; indebtedness; financial stability; Uruguay; Encuesta financiera; endeudamiento; estabilidad financiera; Uruguay (search for similar items in EconPapers)
JEL-codes: G01 G19 (search for similar items in EconPapers)
Pages: 21 pages
Date: 2018
References: View references in EconPapers View complete reference list from CitEc
Citations:

Downloads: (external link)
https://www.bcu.gub.uy/Estadisticas-e-Indicadores/ ... 20Trabajo/1.2018.pdf First version, 2018 (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:bku:doctra:2018001

Access Statistics for this paper

More papers in Documentos de trabajo from Banco Central del Uruguay Biblioteca Especializada. Banco Central del Uruguay. Diagonal Fabini 777, Montevideo-Uruguay. CP 11100. Contact information at EDIRC.
Bibliographic data for series maintained by Biblioteca Especializada ().