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dc.rights.licenseAl consultar y hacer uso de este recurso, está aceptando las condiciones de uso establecidas por los autores
dc.contributor.authorde Roux, Nicolás
dc.date.accessioned2021-11-22T21:21:22Z
dc.date.available2021-11-22T21:21:22Z
dc.date.issued2021
dc.identifier.urihttp://hdl.handle.net/1992/54101
dc.descriptionCódigos JEL: G21, O12, O13, Q12, Q14, Q54
dc.description.abstractCredit reporting systems have become a widespread tool to assess the creditworthiness of prospective borrowers. This paper studies the implications for credit access of using them in contexts where exogenous and transitory shocks affect income and repayment. Using a novel administrative data set with the near universe of formal loans to coffee producers in Colombia together with data from close to 1,200 rainfall stations, I show that transitory weather shocks lead to lower rates of loan repayment, lower credit scores, and more frequent denials of future loan applications. I present evidence that affected producers' incomes and ability to repay recover more quickly from shocks than credit access. This implies that these producers become credit constrained despite their ability to repay a loan. Insurance, contingency-dependent repayment schemes, or the inclusion of information on exogenous shocks in credit scoring models have the potential to alleviate the problem.
dc.formatapplication/pdf
dc.format.extent57 páginas
dc.language.isoeng
dc.publisherUniversidad de los Andes, Facultad de Economía, CEDE
dc.relation.ispartofseriesDocumentos CEDE No. 57 Noviembre de 2021
dc.titleExogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
dc.typeDocumento de trabajo
dc.identifier.eissn1657-7191
dc.subject.keywordShocks
dc.subject.keywordCredit reports
dc.subject.keywordAccess to credit
dc.type.driverinfo:eu-repo/semantics/workingPaper
dc.type.versioninfo:eu-repo/semantics/acceptedVersion
dc.provenance.unitFacultad de Economía
dc.identifier.instnameinstname:Universidad de los Andes
dc.identifier.reponamereponame:Repositorio Institucional Séneca
dc.identifier.repourlrepourl:https://repositorio.uniandes.edu.co/
dc.rights.accessrightsinfo:eu-repo/semantics/openAccess
dc.type.coarhttp://purl.org/coar/resource_type/c_8042
dc.type.coarversionhttp://purl.org/coar/version/c_ab4af688f83e57aa
dc.type.contentText
dc.type.redcolhttp://purl.org/redcol/resource_type/WP


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