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Credit Assessment in Determining The Feasibility of Debtors Using Profile Matching

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  • Siahaan, Andysah Putera Utama

    (Universitas Pembangunan Panca Budi)

Abstract

Credit assessment is a method used by banks or other financial institutions that are useful to determine whether a prospective debtor is feasible or not get a loan. The way is to collect customer data taken from the application data customer lending other than by using a statistical program that contains a history of loan among other things on how the payment cycle is billing the customer, if the customer pays bills on time or not, how many credits are still in progress. This assessment helps the banks to analyze credit applications besides other qualitative factors. If the customer has a problem in the smooth payment, the information will be known by funders. Profile Matching is the decision support system method to rank the client feasibility. It can assess based on particular parameters given. There are several parameters to be considered. It helps banks or other financial agents to pass the client borrowing money.

Suggested Citation

  • Siahaan, Andysah Putera Utama, 2017. "Credit Assessment in Determining The Feasibility of Debtors Using Profile Matching," INA-Rxiv ajd9z, Center for Open Science.
    • Handle: RePEc:osf:inarxi:ajd9z
    DOI: 10.31219/osf.io/ajd9z
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    Cited by:

    1. Krzysztof Kil & Radosław Ciukaj & Justyna Chrzanowska, 2021. "Scoring Models and Credit Risk: The Case of Cooperative Banks in Poland," Risks, MDPI, vol. 9(7), pages 1-15, July.

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