Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers

This paper studies how weather variability affects credit scores and credit access in developing countries. Using rich administrative data on loans to coffee farmers from a large Colombian bank, I show that negative weather shocks lead to lower loan repayment, lower credit scores and more frequent d...

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Autores:
de Roux, Nicolás
Tipo de recurso:
Work document
Fecha de publicación:
2020
Institución:
Universidad de los Andes
Repositorio:
Séneca: repositorio Uniandes
Idioma:
spa
OAI Identifier:
oai:repositorio.uniandes.edu.co:1992/41113
Acceso en línea:
http://hdl.handle.net/1992/41113
Palabra clave:
Weather shocks
Credit scores
Access to credit
Coffee
G21, O12, O13, Q12, Q14, Q18, Q54
Rights
openAccess
License
http://creativecommons.org/licenses/by-nc-nd/4.0/
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spelling Al consultar y hacer uso de este recurso, está aceptando las condiciones de uso establecidas por los autores.http://creativecommons.org/licenses/by-nc-nd/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2de Roux, Nicolás6d1a5739-573f-470f-a77a-5bfeb15d0bd94002020-07-28T17:16:23Z2020-07-28T17:16:23Z20201657-5334http://hdl.handle.net/1992/411131657-719110.57784/1992/41113instname:Universidad de los Andesreponame:Repositorio Institucional Sénecarepourl:https://repositorio.uniandes.edu.co/This paper studies how weather variability affects credit scores and credit access in developing countries. Using rich administrative data on loans to coffee farmers from a large Colombian bank, I show that negative weather shocks lead to lower loan repayment, lower credit scores and more frequent denials of future loan applications. I present evidence that affected farmer's income and ability to repay recover more quickly from weather shocks than credit access. Therefore, the interplay of weather variability and credit scores can lead to the exclusion from credit markets of farmers who could repay a loan.47 páginasspaUniversidad de los Andes, Facultad de Economía, CEDEDocumentos CEDE No. 01 Enero de 2020https://ideas.repec.org/p/col/000089/017800.htmlWeather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee FarmersDocumento de trabajoinfo:eu-repo/semantics/workingPaperhttp://purl.org/coar/resource_type/c_8042http://purl.org/coar/version/c_970fb48d4fbd8a85Texthttps://purl.org/redcol/resource_type/WPWeather shocksCredit scoresAccess to creditCoffeeG21, O12, O13, Q12, Q14, Q18, Q54Facultad de EconomíaPublicationORIGINALdcede2020-01.pdfdcede2020-01.pdfapplication/pdf793387https://repositorio.uniandes.edu.co/bitstreams/1c772d4a-ddfc-445a-a324-5b059ef3980b/download5507ba3b7dbad0562767b193d1f592ddMD51TEXTdcede2020-01.pdf.txtdcede2020-01.pdf.txtExtracted texttext/plain118842https://repositorio.uniandes.edu.co/bitstreams/4bc7b655-9f39-465d-8430-fb25a69c33bf/download32c6d830e8a6eff1871b9c459a0665e1MD54THUMBNAILdcede2020-01.pdf.jpgdcede2020-01.pdf.jpgIM Thumbnailimage/jpeg10510https://repositorio.uniandes.edu.co/bitstreams/f4be1b75-4df3-466b-b83a-0b57c7aeffab/downloadc0319be4ceae5381baec6411a5ac1548MD551992/41113oai:repositorio.uniandes.edu.co:1992/411132024-06-04 15:46:30.417http://creativecommons.org/licenses/by-nc-nd/4.0/open.accesshttps://repositorio.uniandes.edu.coRepositorio institucional Sénecaadminrepositorio@uniandes.edu.co
dc.title.none.fl_str_mv Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
title Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
spellingShingle Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
Weather shocks
Credit scores
Access to credit
Coffee
G21, O12, O13, Q12, Q14, Q18, Q54
title_short Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
title_full Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
title_fullStr Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
title_full_unstemmed Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
title_sort Weather Variability, Credit Scores and Access to Credit: Evidence from Colombian Coffee Farmers
dc.creator.fl_str_mv de Roux, Nicolás
dc.contributor.author.none.fl_str_mv de Roux, Nicolás
dc.subject.keyword.none.fl_str_mv Weather shocks
Credit scores
Access to credit
Coffee
topic Weather shocks
Credit scores
Access to credit
Coffee
G21, O12, O13, Q12, Q14, Q18, Q54
dc.subject.jel.none.fl_str_mv G21, O12, O13, Q12, Q14, Q18, Q54
description This paper studies how weather variability affects credit scores and credit access in developing countries. Using rich administrative data on loans to coffee farmers from a large Colombian bank, I show that negative weather shocks lead to lower loan repayment, lower credit scores and more frequent denials of future loan applications. I present evidence that affected farmer's income and ability to repay recover more quickly from weather shocks than credit access. Therefore, the interplay of weather variability and credit scores can lead to the exclusion from credit markets of farmers who could repay a loan.
publishDate 2020
dc.date.accessioned.none.fl_str_mv 2020-07-28T17:16:23Z
dc.date.available.none.fl_str_mv 2020-07-28T17:16:23Z
dc.date.issued.none.fl_str_mv 2020
dc.type.spa.fl_str_mv Documento de trabajo
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dc.relation.ispartofseries.none.fl_str_mv Documentos CEDE No. 01 Enero de 2020
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eu_rights_str_mv openAccess
dc.format.extent.none.fl_str_mv 47 páginas
dc.publisher.none.fl_str_mv Universidad de los Andes, Facultad de Economía, CEDE
publisher.none.fl_str_mv Universidad de los Andes, Facultad de Economía, CEDE
institution Universidad de los Andes
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