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Granting and managing loans for micro-entrepreneurs: New developments and practical experiences

Granting and managing loans for micro-entrepreneurs: New developments and practical experiences
Granting and managing loans for micro-entrepreneurs: New developments and practical experiences
We present a methodology to grant and follow-up credits for micro-entrepreneurs. This segment of grantees is very relevant for many economies, especially in developing countries, but shows a behavior different to that of classical consumers where established credit scoring systems exist. Parts of our methodology follow a proven procedure we have applied successfully in several credit scoring projects. Other parts, such as cut-off point construction and model follow-up, however, had to be developed and constitute original contributions of the present paper. The results from two credit scoring projects we developed in Chile, one for a private bank and one for a governmental credit granting institution, provide interesting insights into micro-entrepreneurs’ repayment behavior which could also be interesting for the respective segment in countries with similar characteristics
0377-2217
358-366
Bravo, Cristian
b22c4145-644e-40ee-85d8-431c59c3c71b
Maldonado, Sebastián
9e5fb121-d905-4337-beb3-bba6f7da9ae2
Weber, Richard
da9918d6-bc84-4c98-8ffe-2aaf7b58cf1b
Bravo, Cristian
b22c4145-644e-40ee-85d8-431c59c3c71b
Maldonado, Sebastián
9e5fb121-d905-4337-beb3-bba6f7da9ae2
Weber, Richard
da9918d6-bc84-4c98-8ffe-2aaf7b58cf1b

Bravo, Cristian, Maldonado, Sebastián and Weber, Richard (2013) Granting and managing loans for micro-entrepreneurs: New developments and practical experiences. European Journal of Operational Research, 227 (2), 358-366. (doi:10.1016/j.ejor.2012.10.040).

Record type: Article

Abstract

We present a methodology to grant and follow-up credits for micro-entrepreneurs. This segment of grantees is very relevant for many economies, especially in developing countries, but shows a behavior different to that of classical consumers where established credit scoring systems exist. Parts of our methodology follow a proven procedure we have applied successfully in several credit scoring projects. Other parts, such as cut-off point construction and model follow-up, however, had to be developed and constitute original contributions of the present paper. The results from two credit scoring projects we developed in Chile, one for a private bank and one for a governmental credit granting institution, provide interesting insights into micro-entrepreneurs’ repayment behavior which could also be interesting for the respective segment in countries with similar characteristics

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More information

Published date: June 2013
Organisations: Southampton Business School

Identifiers

Local EPrints ID: 396653
URI: http://eprints.soton.ac.uk/id/eprint/396653
ISSN: 0377-2217
PURE UUID: 110a65f5-1ab0-4c17-ad84-dc1fb2a15b38
ORCID for Cristian Bravo: ORCID iD orcid.org/0000-0003-1579-1565

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Date deposited: 09 Jun 2016 13:30
Last modified: 15 Mar 2024 03:33

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Contributors

Author: Cristian Bravo ORCID iD
Author: Sebastián Maldonado
Author: Richard Weber

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