Modelo credit scoring para la toma de decisiones en la COAC Guaranda ltda., agencia Caluma, período 2018
ABSTRACT: The correct administration of credit risk helps credit unions obtain profitability. In the diagnosis, it was determined that, at present, the cooperative does not execute an adequate decision making of the granting of credits. An option to help the administration of the credit portfolio is...
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| Format: | bachelorThesis |
| Język: | spa |
| Wydane: |
2020
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| Hasła przedmiotowe: | |
| Dostęp online: | http://dspace.unach.edu.ec/handle/51000/6772 |
| Etykiety: |
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Dodaj etykietę | Streszczenie: | ABSTRACT: The correct administration of credit risk helps credit unions obtain profitability. In the diagnosis, it was determined that, at present, the cooperative does not execute an adequate decision making of the granting of credits. An option to help the administration of the credit portfolio is the application of the credit scoring model, which is objective for the correct decision of the granting of credit. This research project aims to apply the credit scoring model for decision-making in the Cooperativa de Ahorro y Crédito Guaranda Ltda., Caluma agency, period 2018, the statistical tool called binary logistic regression is used to consent to extract information from the bases of data. For this study, the inductive method was used, which consists of studying from the individual to the general and with a population of 816 credits granted in 2018, according to the sample this model is applied to 63 beneficiaries of the credits and it was concluded that the age, the employment situation, its economic activity, history of credits granted by the cooperative, the destination of the credit, the type of credit, amount of the credit, the process of requesting a requested loan and if it has been on the list of the risk center. They are key points to evaluate the credit applicant. |
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