EAFIT tiene un centro de innovación financiera

Abstract

It might have been a bad business deal. Maybe he lost his job. Or was it an accident? In any case, he may not have enough money to pay off his debt. According to figures from the Colombian Financial Superintendency, his case could be added to the non-performing loan portfolio (loans that are at risk of default), which so far in 2026 totals COP 62.2 trillion, or 8.2% of the system’s total loan portfolio. If you are unable to make the payment, your loan will be classified as past due, which currently totals COP 30.2 trillion, or 4.0% of the total portfolio. What can you do?