_-_copia.jpg?w=800&resize=800,500&ssl=1 "Rixi Moncada and LIBRE")
Rixi Moncada’s presidential candidacy for the LIBRE party has sparked a national debate after she announced that, if elected, she will eliminate the Credit Information Center as of January 27, 2026. The measure would mean that millions of Hondurans would no longer appear in the credit registry, allowing loans to be granted without traditional control mechanisms.
The Credit Bureau as a technical tool
Financial experts emphasize that the Credit Bureau plays a key technical role in the country’s financial system. Far from being a “blacklist,” it functions as a tool to identify the repayment capacity of credit applicants, safeguard citizens’ deposits, and ensure that banks grant loans under responsible criteria.
José Luis Moncada, former president of the National Banking and Insurance Commission, warned that eliminating the bureau would lead to indiscriminate lending. According to Moncada, this action could increase delinquency and affect the soundness of the financial system, putting citizens’ resources at risk.
Similarly, the Honduran Association of Banking Institutions (AHIBA) pointed out that the elimination of the Credit Bureau could impact job creation, slow economic growth, and weaken investor confidence, creating a scenario of uncertainty for the financial sector.
Consequences on politics and society
Apart from the technical assessment, specialists have noted that the suggestion by Rixi Moncada carries political elements that might influence the economy. The proposal to dismantle the Credit Information Center might be seen as a move to engage politically with a system traditionally overseen in a regulated and technical way, experts say.
The potential for the financial system to be used for political aims sparks worries about the safety of savings for people in Honduras and the stability of lending. Experts highlight that such choices might impact numerous households, restricting their access to loans and altering the economic playing field within the country.
A setting of doubt
The suggestion from Rixi Moncada, who is running for the LIBRE party, introduces the possibility of institutional and financial strain in Honduras. The debate centers on finding a way to balance credit access while maintaining the financial system’s stability and safeguarding the public’s assets.
Given this outlook, citizens and economic sectors are faced with the question of the country’s ability to manage profound changes in its financial mechanisms without compromising investor confidence or the economic security of households.
The scenario underscores the intersection of political choices and economic oversight, pointing out the challenges of administration and institutional frameworks in an environment where the initiatives of political figures have direct impacts on the financial well-being of the populace.
