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

In: Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe

Author

Listed:
  • María Victoria Landaberry

    (Banco Central del Uruguay)

Abstract

En el presente documento se estiman modelos sobre la probabilidad de no pago de deudas de los hogares uruguayos, considerando las características sociodemográficas y financieras del hogar con base en los datos provenientes de la segunda edición de la Encuesta Financiera de Hogares y de la Encuesta Continua de Hogares. Se analizan las diferencias entre los segmentos de crédito no hipotecario y tarjetas de crédito. Las variables de ingreso del hogar, relación entre gastos e ingresos y edad del jefe del hogar son significativas para explicar la probabilidad de no pago en todos los segmentos, en tanto que la educación del jefe del hogar es relevante únicamente para el segmento de crédito no hipotecario. A su vez, aplicando los resultados del modelo, se evalúa el efecto de la obligatoriedad del pago de salarios a través de medios electrónicos introducido por la Ley de Inclusión Financiera sobre el no pago de deuda por parte de los hogares. De acuerdo con los resultados, cuando los hogares tienen acceso a cuentas bancarias, se incrementa la cantidad de estos con deuda no hipotecaria y de tarjetas de crédito. Así, mientras que, en el primer segmento, el conjunto de hogares que obtiene crédito no hipotecario es más riesgoso y la tasa de crédito impago se incrementaría; en el segmento de tarjetas de crédito, la tasa de impago permanecería en los mismos rangos.

Suggested Citation

  • 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.
  • Handle: RePEc:cml:incocp:7sp-14
    Note: Programa de Investigación Conjunta de la Red de Investigadores de Bancos Centrales
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    Cited by:

    1. 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.
    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.

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    More about this item

    Keywords

    estabilidad financiera; Uruguay; encuesta financiera; endeudamiento.;
    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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