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¿Afecta la distancia de residencia a los centros urbanos la calidad en la cartera de creditos? Caso aplicado a una entidad financiera de Colombia

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  • Luis Alberto Merchán Benavides

Abstract

Este documento busca determinar la relación existente entre la distancia del lugar de residencia y el centro urbano más cercano frente al comportamiento de pago de las obligaciones financieras (créditos de consumo). Usando información de una entidad financiera que otorgó créditos a individuos que residían en 345 municipios de Colombia, se encuentra que la distancia resulta significativa. Entre más alejado habite el individuo de un centro urbano, su probabilidad de incumplimiento es menor. Adicionalmente, variables como el género, la edad, el estado civil, el nivel de escolaridad, los ingresos, el valor de la cuota, el monto desembolsado y la presencia de instituciones financieras en los municipios de residencia, resultan relevantes al momento de determinar la probabilidad de que un crédito llegue a incumplimiento. El resultado sugiere que los individuos que habitan en municipios alejados de los centros urbanos representan un menor riesgo de crédito sobre sus obligaciones financieras.

Suggested Citation

  • Luis Alberto Merchán Benavides, 2018. "¿Afecta la distancia de residencia a los centros urbanos la calidad en la cartera de creditos? Caso aplicado a una entidad financiera de Colombia," Vniversitas Económica, Universidad Javeriana - Bogotá, vol. 0(0), pages 1-53, May.
    • Handle: RePEc:col:000416:016451
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    More about this item

    Keywords

    Riesgo de crédito; probabilidad de incumplimiento; Colombia; crédito deconsumo.;
    All these keywords.

    JEL classification:

    • D19 - Microeconomics - - Household Behavior - - - Other
    • D62 - Microeconomics - - Welfare Economics - - - Externalities
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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