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Sensibilidad de la deuda de los hogares uruguayos ante un choque en el ingreso

Author

Listed:
  • María Victoria Landaberry

    (Banco Central del Uruguay)

Abstract

Este documento de trabajo analiza las vulnerabilidades financieras de los hogares uruguayos a partir de datos microeconómicos. Se realiza un ejercicio de sensibilidad sobre la deuda y el atraso en el pago del crédito no hipotecario por parte de los hogares uruguayos ante un choque en el ingreso similar al observado en el 2002. Como resultado del ejercicio, se estima un aumento de la proporción de créditos no hipotecarios de un 8% a un 15% luego del choque. Si bien, el aumento se produce en todas las instituciones el impacto es mayor para los bancos privados y las cosas financieras, cooperativas de ahorro y crédito y cosas comerciales.

Suggested Citation

  • 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.
    • Handle: RePEc:bku:doctra:2018002
    as

    Download full text from publisher

    File URL: https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/2.2018.pdf
    File Function: First version, 2018
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    References listed on IDEAS

    as
    1. María Victoria Landaberry, 2018. "Factores determinantes de la probabilidad de no pago de deudas de los hogares uruguayos," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 14, pages 483-528, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    2. Daisy J. Pacheco-Bernal & Santiago D. Segovia-Baquero & Ana M. Yaruro-Jaime, 2017. "Vulnerabilidades financieras de los hogares en Colombia," Borradores de Economia 1026, Banco de la Republica de Colombia.
    3. Miguel Mello & Jorge Ponce, 2014. "The determinants Uruguayan households' indebtedness," Documentos de trabajo 2014010, Banco Central del Uruguay.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Encuesta financiera; endeudamiento; estabilidad financiera; Uruguay; hogares; probabilidad de default; ejercicio de sensibilidad;
    All these keywords.

    JEL classification:

    • G19 - Financial Economics - - General Financial Markets - - - Other
    • G01 - Financial Economics - - General - - - Financial Crises
    • D10 - Microeconomics - - Household Behavior - - - General
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • J64 - Labor and Demographic Economics - - Mobility, Unemployment, Vacancies, and Immigrant Workers - - - Unemployment: Models, Duration, Incidence, and Job Search

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