Credit Scoring Application at Banks: Mapping to Basel II
Journal Title: Journal of Social and Political Sciences - Year 2019, Vol 2, Issue 1
Abstract
Credit scoring is a process to find out the numerical assessment that mainly relied on an analysis borrower' profile. A credit score is primarily based on a credit report information commonly sourced from customer files and independent sources. Lenders, such as banks use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Hence, credit scoring is a powerful tool. By examining knowledge in Credit scoring as well as Basel II fundamentals, the author proposed a mapping process to match Credit score application at banks in accordance with Basel II.
Authors and Affiliations
Hoai Linh Do, Thi Thu Hang Luong, Xuan Thang Nguyen, Ngoc Linh Mai
Keywords
Related Articles
- EP ID EP559364
- DOI 10.31014/aior.1991.02.01.51
- Views 86
- Downloads 0
The Factors Promoting the Sports Experiences of Women Football Players and Examining the Problems Faced with Gender Approach
The aim of this study is to examine the factors encouraging women’s participation in football and the problems they are faced with by using the social gender approach. The sampling of this qualitative case study was 13 f...
Interventions for Occupational Stress Management in Air Traffic Providers
Last decade, the aviation industry was fast-growing, and air traffic providers are under pressure to manage and accommodate demands for more flights. Therefore, aerospace capacity management is anticipated by the air tra...
The Realization of People Living with HIV/AIDS Commitment to Participating, and The Benefit and The Challenge of HIV/AIDS Control Program in Surakarta Indonesia
The management of AIDS is a collective responsibility, including People Living with HIV/AIDS (PLWHA). This research aimed to study the realization of PLWHA commitment to participating, and the benefit and the challenge o...
The Impact of the Belt and Road Initiative in South and Southeast Asia
China has undertaken a historic task to expand its economic influence across half of the world through its Belt and Road Initiative (BRI). China is willing to pursue economic advances under the Belt and Road Initiative (...
The Concept and Principles of Personality Measurement in Islam
This paper aims to identify the concept of personality measurement in Islam by analyzing the principles used to measure the personality of Islamic consumers. Existing personality measurement tools presently come from Wes...