Caribbean and Pacific Region, with higher arrest indexes: this is the reason

Although this year inflation begins to mode “The slightest morality of payment and although the microcredit remains in positive field, faces the highest risk of labor informality and the high vulnerability of its users.”

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This was considered by Gloria Urueña, executive director of the Colombian Association of the Collection Industry (COLCOB), which this September 10 and 11, 2025 holds the 21st edition of the International Credit Congress, Collection and BPO.

He said that although The commercial portfolio grew, many micro and small businesses have had difficulties in accessing financing due to the hardening of requirements.

This affects credit trust, generating a circle of lower placement and greater pressure on portfolio recovery.

Regional behavior

For the executive director of COLCOB, the behavior of the portfolio in Colombia has marked regional differences.

First, he assured that Bogotá concentrates about 40 % of the country’s total portfolio “And shows the best payment indicators, promoted by greater banking, formal employment and economic stability.”

The women most interested in cryptoactive come mainly from Bogotá with 41%, then they are followed by Medellín (27%) and the Atlantic coast (12%).

On the other hand, he said that on the coffee axis, the expired portfolio is lower than the national average thanks to productive diversification and a more formalized business fabric.

On the other hand, he assured that in the Caribbean region and the Pacific, Mora indices are higher. In these regions, “multidimensional poverty exceeds 30% and more than 60% of employment is informal, which limits the ability to pay homes and microenterprises.”

Likewise, the microcredit, which represents a fundamental channel of financial inclusion (with more than two million active customers at 2025), shows greater delinquency in these areas due to the vulnerability of its users, according to Asomicrofinazas.

Transformation in the market

For Gloria Urueña, Credit and collection are being transformed by female credit inclusion because 60 % of the placements are led by women, They have better payment habits.

Another aspect that impacts credit is “technological innovation with elements such as the use of artificial intelligence, data analytics and digital contact to segment better, predict default and offer less intrusive solutions,” said the executive.