THE CREDIT PORTFOLIO OF COLOMBIAN FARMERS

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. With regard to 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.