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- Title
Perfil de riesgo de crédito para una coopertiva en Villavicencio a partir de un modelo logit.
- Authors
Pardo Carrillo, Otto Smith
- Abstract
Credit risk profiling is a relevant issue for financial institutions, since it identifies the factors that generate credit risk (age, gender, ability to pay), as well as contributing to the implementation of SARC Risk Management Systems. In this sense, this study estimates the risk profile of the associates (good and bad) of a savings and credit cooperative in the city of Villavicencio, who access credits in the consumption mode, using a logit model. After applying the model, the risk factors identified were being men, young age, low income, being single, low seniority as an associate, not having dependents, being employed in private companies, having credits with high amounts, as well as their respective terms.
- Subjects
CREDIT risk; COOPERATIVE banking industry; FINANCIAL institutions; RISK management in business; PRIVATE companies
- Publication
Universidad & Empresa, 2020, Vol 22, Issue 38, p237
- ISSN
0124-4639
- Publication type
Article
- DOI
10.12804/revistas.urosario.edu.co/empresa/a.8266