Using the Hybrid Model for Credit Scoring (Case Study: Credit Clients of microloans, Bank Refah-Kargeran of Zanjan, Iran)
Publish Year: 1398
نوع سند: مقاله ژورنالی
زبان: English
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JR_JOIE-12-2_006
تاریخ نمایه سازی: 21 خرداد 1398
Abstract:
In any country, commercial banks lay the groundwork for economic growth by collecting national resources and capitals and allocating them to different economic sectors. Optimal allocation of resources is especially important in achieving this goal. Banks with an effective and dynamic system of customer assessment can efficiently allocate their resources to customers regardless of their geographic area. Following[M1] a linear programming optimization approach, this research employs the UTilités Additives DIScriminantes (UTADIS) model for credit scoring of bank customers. The advantages of the proposed technique are high flexibility, mutual interaction with decision makers, and the ability to update under various macroeconomic conditions. The chosen environment is a branch of Bank Refah Kargaran, one of the popular banks in Iran. According to the experimental results, the proposed technique demonstrates high effectiveness. Also, the results indicate that the initial credit score and age of the applicants are the most influential factors for credit scoring of customers.
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Authors
Abdollah Nazari
Department of Management, Alborz College, University of Tehran, Tehran, Iran
Mohammadreza Mehregan
Faculty of Management, University of Tehran, Tehran, Iran
Reza Tehrani
Faculty of Management, University of Tehran, Tehran, Iran.
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