the Great Recession, there was a historic run-up in household debt, driven primarily by housing debt, which coincided with …. We examine the trends in household debt before, during, and since the 2000s financial crisis and Great Recession. As we … household debt has recovered to its previous level in nominal terms, its composition and characteristics have changed …

This paper examines to what extent household leverage - as measured by the debt-to-income (DTI) ratio - predicts … delinquency in Peru's consumer credit market. A model is estimated to assess the relation between delinquency and the DTI ratio … is effective for predicting delinquency. This evidence supports its use in financial regulation to improve household …

between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic … growth. However, accurately measuring the household debt burden remains problematic. Aggregate measures of household … indebtedness (e.?g. household liabilities relative to income) fail to fully capture the debt servicing burdens of households …