THE CREDIT PORTFOLIO OF COLOMBIAN FARMERS: A CASE STUDY FOR A FINANCIAL INSTITUTION IN THE REAL SECTOR

A CARTEIRA DE CRÉDITO DOS AGRICULTORES COLOMBIANOS: UM ESTUDO DE CASO PARA UMA ENTIDADE FINANCEIRA DO SETOR REAL

Abstract

This paper aims to make a diagnosis of the problem of access to financing and, through a case study, demonstrate that Colombian farmers have a good habit of paying their financial obligations. To this end, and based on a sample with a total of 43,295 disbursements between 208-2019, the most risky geographical areas of the country will be identified according to the non-compliance / non-payment of customers in their financial obligations, and the main activity of these departments to try to validate the correlation with the willingness of farmers to pay.  The results showed that in relation to the time of occupation, the least attractive profiles to encourage access to credit are service providers or contractors and farmers, given default rates, 20% and 18% respectively. About the non-payment ranking by departments, it is worth highlighting that those where livestock occupies a representative place in their economic activity such as: Cesar, Sucre, Córdoba and Bolívar have the highest default rates compared to departments where agriculture predominates.