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Variables which Affect Default Rate of Chilean Loans

Author

Listed:
  • Francisco Ormazabal C.

    (Superintendency of Banks and Financial Institutions & Chile)

Abstract

This paper contributes relevant empirical evidence which indicates the existence of difference in default rate of loans between male and female. It concludes that independent of type of loans, the default rate of female is less than male. Moreover this paper analyzes the effect of other variables as married status and size/income over default rate.

Suggested Citation

  • Francisco Ormazabal C., 2014. "Variables which Affect Default Rate of Chilean Loans," Revista de Analisis Economico – Economic Analysis Review, Universidad Alberto Hurtado/School of Economics and Business, vol. 29(1), pages 3-16, April.
    • Handle: RePEc:ila:anaeco:v:29:y:2014:i:1:p:3-16
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    More about this item

    Keywords

    Default; Loans; Gender; Married Status; Income; Consumption; Loan; Mortgage loans; Commercial loans;
    All these keywords.

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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