This paper examines the relationship between mortgage default decisions and relevant observable variables under the light of a random utility model. The focus of the study is the Colombian mortgage market between 1997 and 2004 using two separate data sets that are matched using simulation...

This paper examines the relationship between mortgage default decisions andrelevant observable variables under the light of a random utility model. The focusof the study is the Colombian mortgage market between 1997 and 2004 using twoseparate data sets that are matched using simulation...

Short-cycle higher education programs form skilled human capital in two or three years and are eminently oriented to the labor market. While they could play a key role in the upskilling and reskilling of the workforce required for employment recovery after the COVID-19 pandemic, they will only...