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

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  • María Victoria Landaberry

    (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

Suggested Citation

  • María Victoria Landaberry, 2017. "Factores determinantes de la probabilidad de no pago de deuda de los hogares uruguayos," Documentos de trabajo 2017011, Banco Central del Uruguay.
    • Handle: RePEc:bku:doctra:2017011
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    File URL: https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/11.2017.pdf
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    References listed on IDEAS

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    Cited by:

    1. Laura Muriel Cuccaro & Máximo Sangiácomo & Lucía Tumini & Ariel Wilkis, 2023. "Does the Argentine financial system reduce or amplify the labor market’s gender gap?," Ensayos Económicos, Central Bank of Argentina, Economic Research Department, vol. 1(82), pages 52-76, November.
    2. María Victoria Landaberry, 2018. "Restricción de crédito y probabilidad de no pago de los hogares uruguayos," Documentos de trabajo 2018001, Banco Central del Uruguay.
    3. María Victoria Landaberry, 2018. "Sensibilidad de la deuda de los hogares uruguayos ante un choque en el ingreso," Documentos de trabajo 2018002, Banco Central del Uruguay.

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    More about this item

    Keywords

    financial stability; Uruguay; financial survey; indebtedness;
    All these keywords.

    JEL classification:

    • G19 - Financial Economics - - General Financial Markets - - - Other
    • G01 - Financial Economics - - General - - - Financial Crises
    • C5 - Mathematical and Quantitative Methods - - Econometric Modeling

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