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Choques exógenos, reportes crediticios y acceso al crédito: Evidencia de productores colombianos de café

Author

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  • de Roux , Nicolás

    (Universidad de los Andes)

Abstract

Los sistemas de reportes de crédito se han convertido en una herramienta de uso generalizado para determinar la calidad crediticia de futuros prestatarios. Este artículo estudia las implicaciones para el acceso al crédito de usar dichos sistemas en contextos donde choques exógenos y transitorios afectan el ingreso y la capacidad de pago. Usando datos administrativos novedosos con casi la totalidad de préstamos formales a productores de café en Colombia junto con datos de cerca de 1,200 estaciones de lluvia, se muestra que los choques climáticos transitorios llevan a un menor repago de los préstamos, a menores puntajes crediticios y a rechazos más frecuentes de futuras solicitudes de crédito. Adicionalmente, se presenta evidencia de que el ingreso de los productores afectados y su capacidad de pago se recuperan más rápido de los choques que su acceso al crédito. Esto implica que estos productores pierden la posibilidad de adquirir préstamos a pesar de que tienen la capacidad para pagarlos. Los seguros, los esquemas de pago contingentes o la inclusión de información sobre choques exógenos en los modelos de puntajes crediticios tienen el potencial de aliviar el problema.

Suggested Citation

  • de Roux , Nicolás, 2024. "Choques exógenos, reportes crediticios y acceso al crédito: Evidencia de productores colombianos de café," Documentos CEDE 21279, Universidad de los Andes, Facultad de Economía, CEDE.
  • Handle: RePEc:col:000089:021279
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    More about this item

    Keywords

    Choques; reportes de crédito; acceso a crédito; caficultura.;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O12 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Microeconomic Analyses of Economic Development
    • O13 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Agriculture; Natural Resources; Environment; Other Primary Products
    • Q12 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Micro Analysis of Farm Firms, Farm Households, and Farm Input Markets
    • Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance
    • Q54 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Climate; Natural Disasters and their Management; Global Warming

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