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Endeudamiento de los jóvenes en Uruguay

Author

Listed:
  • Rodrigo Arnabal

    (Banco Central del Uruguay)

  • Santiago Taroco

    (Banco Central del Uruguay)

  • Cecilia Dassatti

    (Banco Central del Uruguay)

  • Victoria Landaberry

    (Banco Central del Uruguay)

  • Jorge Ponce

    (Banco Central del Uruguay)

Abstract

El presente documento describe la situación actual del endeudamiento de las personas físicas menores de treinta años (jóvenes) en Uruguay. Se dimensiona su importancia y se describen las principales características de dichos deudores, haciendo foco en aquellos que presentan atrasos en el pago de sus deudas. Se encuentra que más de la mitad de los deudores menores de treinta años registrados en la Central de Riesgos Crediticios mantienen relaciones de crédito saludables (aproximadamente 166.000), representando un 56,2% del total de montos adeudados. Si además se considera a los jóvenes que presentan registros en Equifax, se encuentra que existen 212.346 jóvenes adicionales sin incumplimientos registrados por fuera de la CRC. La mayor parte de los deudores jóvenes con dificultades en su capacidad de pago poseen deudas de crédito al consumo con Empresas Administradoras de Crédito. Finalmente, se analiza las principales diferencias y similitudes que presenta el endeudamiento de los jóvenes con respecto al resto de la población.

Suggested Citation

  • Rodrigo Arnabal & Santiago Taroco & Cecilia Dassatti & Victoria Landaberry & Jorge Ponce, 2024. "Endeudamiento de los jóvenes en Uruguay," Documentos de trabajo 2024001, Banco Central del Uruguay.
    • Handle: RePEc:bku:doctra:2024001
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    File URL: https://www.bcu.gub.uy/Estadisticas-e-Indicadores/Documentos%20de%20Trabajo/1.2024.pdf
    File Function: First version, 2024
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    More about this item

    Keywords

    endeudamiento; jóvenes; Uruguay;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth

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