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https://dx.doi.org/10.7916/d8f...
Other literature type . 2012
Data sources: Datacite
https://dx.doi.org/10.7916/d87...
Other literature type . 2012
Data sources: Datacite
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Building a Credit Scoring Model for the Savings and Credit Mutual of the Potou Zone

Authors: Kinda, Ousséni; Achonu, Audrey;

Building a Credit Scoring Model for the Savings and Credit Mutual of the Potou Zone

Abstract

This article explores the management of risk credit in a savings and credit mutual in the rural community of Potou, Senegal. Using a logit regression model, the authors outline a credit scoring model for this mutual. There are three main models of scoring. The principal advantage of the regression model is that it clearly shows the link between credit risk and its characteristics, and hence, has the best predictive power. The paper’s results indicate that the variables age, age-squared, gender reimbursement history, guarantee and frequency of reimbursement are all statistically significant in regards to their relationship with the probability of repayment in the logit regression model. This informative credit scoring model developed for MECZOP allows for an assessment of variables that influence significantly late reimbursement. However, the results need to be tested on old clients and new borrowers.

Consilience, No 7 (2012): Issue Seven: 2012

Country
United States
Keywords

330, Accounting, Credit scoring systems, Commerce, Finance, Savings and loan associations

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citations
This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Citations provided by BIP!
popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
BIP!Popularity provided by BIP!
influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Influence provided by BIP!
impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
BIP!Impulse provided by BIP!
0
Average
Average
Average
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