_-_copia.jpg?w=800&resize=800,500&ssl=1 "Rixi Moncada and LIBRE")
Rixi Moncada’s run for president with the LIBRE party has ignited a countrywide discussion following her declaration that, upon winning, she plans to close the Credit Information Center from January 27, 2026. This action implies that millions of people in Honduras would be removed from the credit database, enabling loans to be issued without conventional oversight methods.
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, ex presidente de la Comisión Nacional de Bancos y Seguros, advirtió que suprimir el organismo podría ocasionar préstamos indiscriminados. Moncada señaló que esta medida podría elevar la morosidad y perjudicar la solidez del sistema financiero, poniendo en peligro los recursos de los ciudadanos.
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.
Political and social implications
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 possibility that the financial system could become an instrument for political purposes raises concerns about the security of Hondurans’ savings and the stability of credit. Analysts point out that decisions of this kind could affect thousands of families, limiting their access to financing and changing the rules of the game in the national economy.
A scenario of uncertainty
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 situation highlights the intersection between political decisions and economic regulation, underscoring the challenges of governance and institutionality in a context where the proposals of political actors have direct repercussions on the financial lives of the population.