Repositorio Institucional Universidad EAFIT ::Examinando por Materia "MICROFINANZAS

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Medición de los determinantes cualitativos del incumplimiento de pago de la cartera de microcrédito en Colombia
(Universidad EAFIT, 2018) Moreno Osorio, Catalina; Arango Londoño, David; Guerrero, Sergio Esteban
The microcredit can be seen as a set of operations defined within the law and regulated by the financial system that are intended to make loans of reduced amount with special conditions in interest rates and amortization periods to microentrepreneurs, households and people who need investment in working capital, purchase of fixed assets or portfolio in their productive projects of initial stage and/ or errant -- Bearing in mind that this source of financing has a great potential for development given the number of micro-enterprises and informalism in the country and that since 2011 has been the portfolio with the largest share in the number of debtors, as it has been growing at a higher than the total portfolio of the financial system -- In addition to presenting a deterioration in the credit risk indicators, the qualitative determinants of non-payment of the microcredit portfolio in Colombia -- To do this, the concept of soft information is used, which includes socioeconomic variables and characteristics of microenterprises and debtors that can determine their impact on the probability of default -- Using the logistic regression model methodology, you will obtain statistical evidence for or against the hypothesis