Federico HuneeusJoseph P. KaboskiMauricio LarraínSergio L. SchmuklerMario Vera2026-03-222026-03-22202510.2139/ssrn.5131020https://doi.org/10.2139/ssrn.5131020https://andeanlibrary.org/handle/123456789/84403enBusinessFinancial systemCredit riskEconomicsCrisis Credit, Employment Protection, Indebtedness, and Riskpreprint