Equifax: Entrepreneurs do not have an active credit product

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In Lima and Callao, according to Equifax people without credit or who have not used an active credit product in the last year constitute 14 % of dependents. And 86% of the self-employed, who mostly work informally or have started a business.

According to the lifestyle Telegram Number Data classification carried out by the consulting firm Arellano Marketing, insolvent people are concentrated at all socioeconomic levels. And among modern and formal people (60%), who are situated at an intermediate point between traditional and modern behavior.

What does the Equifax study establish?
What the Equifax study establishes
Of the 9'021,404 members of the PEA in Lima and Callao, 49.8% had no credit activity in the last 12 months. That is, you did not have or do not have credit card, mortgage, car loan, personal loan or loan for working capital.



“This 50% distribution is confirmed in various analyzes of the population; when we compare people who can access credit and those who cannot. By sex, age group and region, in most cases the proportion is the same. This gives us signs of credit parity,” says Ricardo Meza, head of data and analysis at Equifax. We see it in the female group, where 50.2% of women do not have debt, compared to 49.4% of men.

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Equifax also noted that the study was based on five generations: Generation Z (18-28 years old), Generation Y (24 -40 years) and Generation X (41-57 years). In addition, to baby boomers (45-65 years old) and the silent generation (over 70 years old). The silent generation (71%) and Generation Z (70%) are those with the highest proportion without a driving license. Millennials and Generation X have almost 60% of the most likely people.