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A Parametric Approach To Assessing The Creditworthiness For The Moldovan Rural Development Network

Author

Listed:
  • Anatol RACUL

    (State Agrarian University of Moldova, Chisinau, Republic of Moldova)

  • Petru TOMIŢA

    (State Agrarian University of Moldova, Chisinau, Republic of Moldova)

Abstract

This paper tries to adapt to the conditions that describe the Moldovan rural development network and most importantly its banking system. The investigation has two main objectives: firstly, to present the current situation of the banking sector with respect to the Moldovan agriculture and to advocate for the implementation of statistical-based credit scoring models as a mean to make the loan granting process more efficient and secondly, to present two possible statistical-based models and their implementation on a Moldovan sample of data. The choice of these two models is grounded on the fact that, from the authors’ point of view, discriminant analysis and logistic regression analysis were the two models that were refined the most by a wide variety of scholars throughout the years.

Suggested Citation

  • Anatol RACUL & Petru TOMIŢA, 2015. "A Parametric Approach To Assessing The Creditworthiness For The Moldovan Rural Development Network," Agricultural Economics and Rural Development, Institute of Agricultural Economics, vol. 12(1), pages 45-60.
    • Handle: RePEc:iag:reviea:v:12:y:2015:i:1:p:45-60
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    References listed on IDEAS

    as
    1. Emel, Ahmet Burak & Oral, Muhittin & Reisman, Arnold & Yolalan, Reha, 2003. "A credit scoring approach for the commercial banking sector," Socio-Economic Planning Sciences, Elsevier, vol. 37(2), pages 103-123, June.
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    More about this item

    Keywords

    rural development; creditworthiness; Moldovan agriculture.;
    All these keywords.

    JEL classification:

    • G32 - Financial Economics - - Corporate Finance and Governance - - - Financing Policy; Financial Risk and Risk Management; Capital and Ownership Structure; Value of Firms; Goodwill
    • Q14 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Agricultural Finance

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