000298154 001__ 298154
000298154 005__ 20250213113302.0
000298154 0247_ $$2doi$$a10.71609/iheid-shah-vx93
000298154 037__ $$aBOOK
000298154 245__ $$aDoes leverage predict delinquency in consumer lending?$$bevidence from Peru
000298154 260__ $$aGeneva$$bGraduate Institute of International and Development Studies, International Economics Department$$c2020
000298154 269__ $$a2020
000298154 300__ $$a25 p.
000298154 336__ $$aPapers and Reports
000298154 490__ $$aGraduate Institute of International and Development Studies Working Paper ; no. 05/2020
000298154 520__ $$aThis paper examines to what extent household  leverage—as measured by the debt-to-income (DTI) ratio—predicts delinquency in Peru’s consumer credit market. A model is estimated to assess the relation between delinquency and the DTI ratio. The initial and current DTI ratios are assessed as delinquency predictors. The results confirm that the current DTI ratio is effective for predicting delinquency. This evidence supports its use in financial regulation to improve household credit risk assessment and control.
000298154 700__ $$aCuba, Walter
000298154 8564_ $$9d351a889-8bbe-4ead-8829-7bd9ddabe946$$s2375556$$uhttps://repository.graduateinstitute.ch/record/298154/files/HEIDWP05-2020.pdf
000298154 901__ $$uInternational Economics Department$$0319285
000298154 909CO $$ooai:repository.graduateinstitute.ch:298154$$pGLOBAL_SET$$pIHEID:Explore
000298154 981__ $$aoverwrite