Credit Scoring for Maskan Bank Customers

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Kamali, Behrang | 2012

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Type of Document: M.Sc. Thesis
Language: Farsi
Document No: 43122 (44)
University: Sharif University of Technology
Department: Management and Economics
Advisor(s): Zamani, Shiva
Abstract:
Credit scoring is a mechanism used to quantify the risk factors relevant for an obligor’s ability and willingness to pay. Credit scoring has become the norm in modern banking, due to the large number of applications received on a daily basis and the increased regulatory requirements for banks. The meaning of credit scoring is to assign scores to the characteristics of debt and borrowers, historical default, and other loss experienced as an indication of the risk level of the borrower. The aim of the credit score model is to build a single aggregate risk indicator for a set of risk factors.
In this study, current method in which Maskan bank will give a loan is explained. We developed a model for scoring customers base on their characteristics and loan characteristics
Keywords:
Logit Model ; Credit Scoring ; Home Loan

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