Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers

Códigos JEL: G21, O12, O13, Q12, Q14, Q54

Autores:
de Roux, Nicolás
Tipo de recurso:
Work document
Fecha de publicación:
2021
Institución:
Universidad de los Andes
Repositorio:
Séneca: repositorio Uniandes
Idioma:
eng
OAI Identifier:
oai:repositorio.uniandes.edu.co:1992/54101
Acceso en línea:
http://hdl.handle.net/1992/54101
Palabra clave:
Shocks
Credit reports
Access to credit
Economía
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, Nicolás93bf45d2-bf7a-4202-a2ca-df7fb63452444002021-11-22T21:21:22Z2021-11-22T21:21:22Z2021http://hdl.handle.net/1992/541011657-719110.57784/1992/54101instname:Universidad de los Andesreponame:Repositorio Institucional Sénecarepourl:https://repositorio.uniandes.edu.co/Códigos JEL: G21, O12, O13, Q12, Q14, Q54Credit 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.57 páginasapplication/pdfengUniversidad de los Andes, Facultad de Economía, CEDEDocumentos CEDE No. 57 Noviembre de 2021https://ideas.repec.org/p/col/000089/019769.htmlExogenous shocks, credit reports and access to credit: Evidence from colombian coffee producersDocumento de trabajoinfo:eu-repo/semantics/workingPaperhttp://purl.org/coar/resource_type/c_8042http://purl.org/coar/version/c_970fb48d4fbd8a85Texthttps://purl.org/redcol/resource_type/WPShocksCredit reportsAccess to creditEconomíaFacultad de EconomíaPublicationORIGINALdcede2021-57.pdfdcede2021-57.pdfapplication/pdf10601338https://repositorio.uniandes.edu.co/bitstreams/bd5fd23b-fb55-44ef-a0e6-a460a69d662c/download72b75d2b5d10803ee099ea1a746cd329MD51TEXTdcede2021-57.pdf.txtdcede2021-57.pdf.txtExtracted texttext/plain137915https://repositorio.uniandes.edu.co/bitstreams/a5860e47-5fc7-4d87-a231-550f4a570944/download013fa025a922b37598706669279a361cMD54THUMBNAILdcede2021-57.pdf.jpgdcede2021-57.pdf.jpgIM Thumbnailimage/jpeg19214https://repositorio.uniandes.edu.co/bitstreams/11755ef8-8bb4-4006-a0a2-bb35d89e8623/download5dd55ee71e4adffd96046da685e60c00MD551992/54101oai:repositorio.uniandes.edu.co:1992/541012024-06-04 15:39:29.732http://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 Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
title Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
spellingShingle Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
Shocks
Credit reports
Access to credit
Economía
title_short Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
title_full Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
title_fullStr Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
title_full_unstemmed Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
title_sort Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers
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 Shocks
Credit reports
Access to credit
topic Shocks
Credit reports
Access to credit
Economía
dc.subject.themes.none.fl_str_mv Economía
description Códigos JEL: G21, O12, O13, Q12, Q14, Q54
publishDate 2021
dc.date.accessioned.none.fl_str_mv 2021-11-22T21:21:22Z
dc.date.available.none.fl_str_mv 2021-11-22T21:21:22Z
dc.date.issued.none.fl_str_mv 2021
dc.type.spa.fl_str_mv Documento de trabajo
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dc.identifier.doi.none.fl_str_mv 10.57784/1992/54101
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dc.relation.ispartofseries.none.fl_str_mv Documentos CEDE No. 57 Noviembre de 2021
dc.relation.repec.spa.fl_str_mv https://ideas.repec.org/p/col/000089/019769.html
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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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