¿Deben utilizar las instituciones microfinancieras un credit scoring? Análisis del caso español
- Antonio Blanco 1
- Ana Irimia-Diéguez 1
- María Dolores Oliver-Alfonso 1
- 1 Universidad de Sevilla (España)
ISSN: 1888-9638
Année de publication: 2014
Número: 16
Pages: 103-131
Type: Article
D'autres publications dans: Revista de responsabilidad social de la empresa
Résumé
No consensus exists about the suitability of the implementation of credit sco- ring models for the assessment of the creditworthiness of a microcredit appli- cant. In this paper, a methodology is proposed in order to first determine, depending on the strategic focus of the MFIs, whether this implementation would be useful. For this discrimination, a matrix is designed which classifies the MFIs, according to their strategy, as potential or non-potential users of a credit-scoring system. To this end, a case-study methodology is employed which analyses three MFIs of widely differing profiles by means of a both quan- titative and qualitative survey whose aim is to seek empirical evidence which verifies the theoretical analysis performed