Model of Credit Scoring for the microcredits granting in Guantanamo

Authors

  • Silvio Basulto Tellez University of Guantanamo

Keywords:

microcredit, risk, credit, self-employed worker

Abstract

The goal of this research is to present an evaluation model Credit Scoring to improve the granting of micro-credits to self-employed workers, the possibility of obtaining the probability of default with the payment to the banking institutions.

The novelty consists of an economic instrument that determines the factors of credit risks, given the socioeconomic characteristics of the debtor. This tool combines the analysis of the regression and the risk assessment system as the tool that allows delinquency and defaults in the credit portfolio and that from the timely classification of good and bad customers, with 79% effectiveness, will grant the bank major in financial management, in the security of the guarantor and in the reduction of time in the process of granting the microcredit.

Author Biography

Silvio Basulto Tellez, University of Guantanamo

Máster en Contabilidad. Profesor de la Universidad de Guantánamo Licenciado en Contabilidad y Finanzas (2009) en la Universidad de Guantánamo, actualmente se desempeña como profesor en la Facultad de Ciencias Económicas y Empresariales de dicha universidad.

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Published

31-12-2018

How to Cite

Basulto Tellez, S. (2018). Model of Credit Scoring for the microcredits granting in Guantanamo. Cuban Magazine of Finance and Prices, 2(4), 73–84. Retrieved from https://www.mfp.gob.cu/revista/index.php/RCFP/article/view/08_V2N42018_SBT

Issue

Vol. 2 No. 4 (2018): octubre - diciembre

Section

Research articles

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