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An increase of 210,925 defaulters from March 2019 to the same date in 2020, registered the XXVIII Delinquent Debt Report prepared by the Universidad San Sebastián with data from Equifax and Mapcity.
The survey revealed the effects of the social crisis, incorporating the comparison with the number of defaulters in the last two quarters of last year. From December 2019 to March this year, the number increased by 1.7%.
“The figures reveal a growth higher than the trend observed in recent years, with a rate close to 5%. In the coming months, negative effects on employment could exacerbate difficulties paying that people are experiencing, and their ability to meet debt commitments, ”explained Gonzalo Edwards, dean of the Faculty of Economics and Business at U. San Sebastián.
On the other hand, the average default in March of this year reached $ 1,887,930, 4% more than in December 2019.
To this is added that the 59% of delinquent debt is in banking, while 20% in retail. It is worth mentioning that 42% of delinquent debtors are concentrated in retail, followed by 28% in banking.
By zones
In Greater Santiago the communes with the highest average default are Vitacura, with $ 6,039,687; Providence, with $ 5,060,408 and The Counts with, $ 5,049,550.
In both Puente Alto, Maipú and Santiago is the largest number of delinquent people in the Metropolitan region.
The incidence of community delinquencies is concentrated in the southwestern sector of the capital, for example, communes such as San Ramón and Lo Espejo.
“This situation could be exacerbated considering the importance of informal work in these sectors,” added the dean.
Regarding the situation in the rest of the country, the regions with the highest average default are Antofagasta, with $ 2,594,487; the Metropolitan, with $ 2,172,623 and the Tarapacá, with $ 2,043,756.
By gender and age bracket
Regarding gender, the number of women who have any delinquent debt is $ 2,460,916, while men reach 2,354,779. The Average delinquency for women is $ 1,304,106, while that for men is $ 2,498,068.
Regarding age, although most of the defaulters are in the segment between 30 and 59 years of age, the most important increase from March 2019 to March 2020 occurred in the 60-69 years sections, and that of 70 and over, with 11.1% and 8.9% respectively.
Flash april
On this occasion, as a way of measuring the impact of the pandemic on delinquency figures, the report includes a look at the situation in April.
The data concludes that last month delinquent people reached 4,935,226, which means an increase of 2.5% compared to the previous month. However, a decrease in the average amount of default is observed, which decreases by 4.5%, since it goes from $ 1,887,930 in the month of March to $ 1,802,346 in the month of April.
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