economy
diciembre 27, 2025
Préstamos para llegar a fin de mes: la realidad detrás de la “estabilidad” oficial en Nicaragua
En Nicaragua, el crédito dejó de ser una palanca de progreso y se convirtió en un mecanismo de supervivencia. Mientras el régimen Ortega-Murillo presume estabilidad macroeconómica, miles de hogares sostienen su consumo diario a punta de préstamos, tarjetas e hipotecas, trasladando el riesgo económico del Estado a las familias en un contexto de precariedad estructural y ausencia de protección social
TL;DR
- Household debt in Nicaragua has significantly increased, with loans for personal needs, credit cards, and mortgages showing the largest growth.
- The total financing portfolio reached 380,388 million córdobas, equivalent to 50.6% of the annual mobile GDP.
- Mortgage lending grew by 37.5%, credit cards by 24.5%, and personal loans by 24.2% year-on-year.
- An independent economist notes that this rapid increase in debt is a symptom of insufficient income, with people borrowing to compensate for monthly shortfalls rather than for investment.
- The shift towards using córdobas for credit operations has increased significantly (79.2%), reducing exchange rate risks for borrowers.
- Despite growing household debt, the financial system maintains liquidity and solvency, supported by public deposits.
- The microfinance sector also saw significant growth (20.4%), indicating demand for credit among those with limited access to traditional banking.
- The article links the increasing debt to structural economic fragility and the lack of effective social protection or wage policies under the current regime.