In recent years, 21% of new credit users began with a microcredit, so it can be said that this modality is one of the main bankruptcy in Colombia, one of the public policies in which the Government insists that it must improve.
And of consumers who only have microcredit, 30% manages to “graduate” in a period of 4 years, that is, it acquires more complex products over time, such as a credit carda free investment loan, a housing loan or a commercial credit, in accordance with a study by the Transunion company.
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The analysis of that firm takes as a reference the last four years and also shows how those consumers who graduate, manage to improve their credit risk score of a median of 640 points to levels above 700 points.
Customers with good behavior
The improvement in the score is related to the behavior that these clients of the microcredit segment have in their new obligations in other more advanced credit modalities.
In particular, the Transunion study found that A year after graduates, 84% of consumers who opened a consumer credit product were up to date on their portfolio, a percentage that rises to 91% in the case of microcredit consumers who opened vehicle or housing loans already 92% in the case of consumers who opened a commercial loan.
Transunion is a global information and knowledge company with more than 13,000 associates operating in more than 30 countries, including Colombia.
Virginia Olivella, Transunity Directive.
Courtesy: Transunity
“It is important to highlight that It does not necessarily have more complex products or products improves score (credit score), but is good behavior in these new products that contributes to a greater extent to this improvement ”said Virginia Olivella, senior director of Research and Consulting of Transunion Colombia.
Great Credit Inclusion Opportunity
The Transunion study highlights that microcredit entities have a great opportunity to continue supporting the inclusion and credit deepening, consumer empowerment and the healthy growth of portfolios.
There is an opportunity to accompany these consumers with credit tools, which allows to empower them and strengthen the good behaviors observed.
On the other hand, Using variables and tendency attributes that allow them to better understand consumers’ behaviors can help entities identify consumers who are able to assume greater debt and handle products with greater complexityoffering credit products that fit the needs of the consumer.
“In addition, the combination of scores with tendency variables when placing credit is key to being able to identify and predict those consumers who will have good behavior after graduating, thus supporting the journey of consumers and their graduation in credit,” emphasizes Virginia Olivella.
Interest rates, from another vision
On the other hand, according to a Bancolombia analysis, during 2025, market interest rates have shown a trend of relative stability, with slight upward pressures. This behavior occurs in a context marked by caution in monetary policy decisions -which remains at 9.25% -, the persistent rigidity in the convergence of inflation and the increase in the sovereign risk premium.
Credit cards
RUPIXEN – UNSPLASH
The bank says that Although the weighted average rate of resources placement by credit establishments has decreased by 35 basic points (PB), exceeding the 25 -bp adjustment in the repo rate, some modalities have registered increases. For example, the housing rate has risen 44 PB, while the one for the purchase of vehicles has increased 65 bp.
For the rest of the year, Bancolombia anticipates, that commercial rates will maintain their stable trajectory, with possible upward rebounds. These would be driven by fiscal challenges and the caution evolution of monetary policy.
See, in addition: Ni 55 Ni 70: Until this age you can request a loan in Colombia
Holman Rodríguez Martínez
Portfolio journalist
