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Journal articles on the topic 'Creditworthiness assessment'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Prigoda, Ludmila, Tatiana Paladova, and Elena Malceva. "SMALL BUSINESSES CREDITWORTHINESS ASSESSMENT." MEST Journal 1, no. 1 (2013): 27–36. http://dx.doi.org/10.12709/mest.01.01.01.03.pdf.

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2

Livada, Christina K. "Assessment of consumers’ creditworthiness." ERA Forum 20, no. 2 (2019): 225–36. http://dx.doi.org/10.1007/s12027-019-00574-w.

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Čančer, Vesna, Miroslav Rebernik, and Jožica Knez-Riedl. "The environmental creditworthiness assessment methodology." Our Economy, Journal of Contemporary Issues in Economics and Business 59, no. 1-2 (2013): 66–74. http://dx.doi.org/10.7549/ourecon.2013.1-2.07.

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Zaruk, Natalia Fedorovna, and Elena Sergeevna Kolomeeva. "Analysis of the creditworthiness of agribusiness organizations as a tool for obtaining additional Bank financing." Buhuchet v sel'skom hozjajstve (Accounting in Agriculture), no. 9 (September 1, 2020): 39–48. http://dx.doi.org/10.33920/sel-11-2009-05.

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The article presents various approaches and methods for assessing the creditworthiness of agricultural organizations in order to obtain additional funding. Models of analysis of the borrower’s creditworthiness by foreign banks and some Russian credit institutions are considered. A comparative assessment of the main methods for determining the level of creditworthiness of a borrower — legal entity is given based on: statistical models (methods) of assessment; models of limited expert assessment; models of direct expert assessment. It is established that major Russian banks mainly use methods fo

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Gopalakrishnan, Karthika. "Leveraging Machine Learning for Creditworthiness Assessment in Banking." International Journal of Science and Research (IJSR) 12, no. 7 (2023): 2284–88. https://doi.org/10.21275/sr24531144804.

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6

Alexander Petruk, Olena Lagovska, Nataliya Vyhovska, and Volodymyr Vyhovskyi. "DEVELOPMENT OF METHODOLOGICAL PRINCIPLES FOR CREDITWORTHINESS ASSESSMENT AS A BASIS FOR CREDIT RISK IDENTIFICATION OF THE BANK." European Cooperation 9, no. 40 (2018): 29–39. http://dx.doi.org/10.32070/ec.v9i40.25.

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The work deals with the methodological principles for creditworthiness assessment of the borrower, which serves as the basis for determining the bank credit risks and directions for improving the regulation. The authors took into account the off-balance sheet liabilities in order to improve the methodology of assessing the borrower's creditworthiness, which allowed to increase the accuracy of the bank's credit risk assessment and is the basis for effective management decisions on the credit approval. As a result of the analysis of methodological support for assessing the borrower's creditworth

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Kulliev, Istam. "IMPROVEMENT OF ASSESSMENT OF CREDITWORTHINESS OF INDIVIDUALS IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN." Economics and Education 24, no. 3 (2023): 124–31. http://dx.doi.org/10.55439/eced/vol24_iss3/a19.

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This article highlights the importance of creditworthiness assessment and scoring system of individuals. The expansion of lending practices to individuals by commercial banks, minimizing the risks associated with this process and preventing the occurrence of problem loans requires improving the creditworthiness of customers. In particular, today's offering of online credit services requires process automation and creditworthiness assessment taking into account all factors.

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Butor-Keler, Agnieszka. "SELECTED ISSUES OF THE ASSESSMENT OF THE CREDITWORTHINESS OF ENTERPRISES." Zeszyty Naukowe Wyższej Szkoły Humanitas Zarządzanie 21, no. 1 (2020): 269–82. http://dx.doi.org/10.5604/01.3001.0014.1258.

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Modern models of creditworthiness testing are automated. By creating models, the aim is to objectify the process and reduce the time to issue a credit decision. There is a difference between the creditworthiness testing used by banks that often use credit scoring and companies from the FinTech sector which base their ability testing on complex algorithms that take into account the characteristics of the subject and person. Should be emphasized threats exemplified by the implementation of the program of the Chinese Social Credit System. It is based on a point social assessment that may have a d

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Масленников, Анатолий, and Anatoliy Maslennikov. "ANALYSIS AND ASSESSMENT OF THE CREDITWORTHINESS OF BORROWER." Services in Russia and abroad 10, no. 5 (2016): 58–68. http://dx.doi.org/10.12737/21196.

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In modern conditions commercial banks and enterprises inadequate use the credit opportunities for innovative projects investment to ensure the continuity and acceleration of the reproduction process and timeliness of settlements with suppliers and creditors. Banks need to significantly change the approach to the analysis and assessment of the creditworthiness of borrower and methods for their implementation.  This article clarifies the concept of &#34;creditworthiness&#34;, defines list of tasks to be solved in the process of analysis and assessment of borrower’s status. Th

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SHEPTUKHA, Olena, and Anna LAPTIEVA. "Assessment of the borrower's credit capacity using discriminative analysis." Economics. Finances. Law, no. 6 (June 26, 2020): 25–28. http://dx.doi.org/10.37634/efp.2020.6.6.

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Introduction. At the present stage of economic development in the organization of credit relations uses a significant number of approaches and methods to determine the creditworthiness of the borrower. Today, banking institutions are developing different approaches to the analysis of the borrower's creditworthiness. Moreover, each bank determines its own method of assessing the financial condition of a potential borrower, taking into account the specific terms of the contract. Assessment of creditworthiness of the enterprise by the method of discriminant analysis is carried out by calculating

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Alpatov, А. V., О. А. Fedotenkova, Oksana V. Filimonova, A. A. Hashir, and Elena G. Mordovina. "ASSESSMENT OF CREDITWORTHINESS OF AGRICULTURAL BUSINESSES." Economy, labor, management in agriculture, no. 1 (2021): 34–46. http://dx.doi.org/10.33938/211-34.

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12

Zhou, Shuang. "Comprehensive Creditworthiness Assessment of Rio Tinto." Law and Economy 3, no. 6 (2024): 23–27. http://dx.doi.org/10.56397/le.2024.06.03.

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This report examines Rio Tinto’s creditworthiness in relation to their request for an AU$1 million, three-year loan from the bank. In my capacity as the lending officer assigned to review this loan application, I will use four credit analysis techniques to determine the risks involved in giving the company credit and anticipate how to respond if business operations deteriorate or are unable to repay. A summary of the company’s financial situation, an analysis of its ability to repay debt, an appraisal of its business practices and industry prospects, and any relevant qualitative aspects influe

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ERMOLENKO, Anna I. "Current aspects of improving the methodology for assessing the credit capacity of borrowers of commercial banks." Finance and Credit 30, no. 8 (2024): 1778–97. http://dx.doi.org/10.24891/fc.30.8.1778.

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Subject. The article deals with methods for assessing the creditworthiness of commercial bank borrowers (including individual borrowers). Objectives. The purpose is to identify specific areas for improving methods for assessing the creditworthiness of borrowers of commercial banks, based on modern approaches to creditworthiness assessment. Methods. On the basis of analysis and synthesis, I propose to change the form of the scoring card for express assessment of creditworthiness, and adjust the criteria and parameters for calculating the permissible loan amount. Results. The study established t

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Nahirna, Alla, Oleksandra Chumachenko, and Olena Pyechkurova. "Information System Assessment of the Creditworthiness of an Individual." NaUKMA Research Papers. Computer Science 5 (February 24, 2023): 45–48. http://dx.doi.org/10.18523/2617-3808.2022.5.45-48.

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Nowadays enterprise information systems of banks provide modules for calculating creditworthiness of the business. Such systems are complex and it is difficult to maintain and develop them. Moreover, it requires the involvement of large teams. In addition, systems are complicated to change and update in accordance with changes in current legislation. From another point of view, demand for consumer loans is high, and creating a separate module for calculating the creditworthiness of an individual is appropriate in case of increasing the adaptability to changes and updates of the system. Calcula

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Sergienko, Olena, Olena Shapran, Oleksandr Bilotserkivskyi, and Iryna Alieksieieva. "MULTI-SCALE MODEL ELABORATION FOR CREDITWORTHINESS DIAGNOSTICS OF EXPORT PRODUCTION ENTERPRISES OF THE AGRICULTURAL TRADE MARKET." EUREKA: Social and Humanities 6 (November 30, 2019): 19–30. http://dx.doi.org/10.21303/2504-5571.2019.001082.

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The methodology for the agrarian enterprises’ creditworthiness diagnostic has been developed and implemented, and has allowed to solve the following objectives: conducting of observations and evaluating of financially-economic indicators, classification of enterprises by the level of creditworthiness, distinction and identification enterprises according to the level of creditworthiness and assessing the differences between classes by creditworthiness, with taking into account the sizes of enterprises. Based on the use of the complex of multidimensional analytical methods, the differences are d

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Olena, Sergienko, Shapran Olena, Bilotserkivskyi Oleksandr, and Alieksieieva Iryna. "MULTI-SCALE MODEL ELABORATION FOR CREDITWORTHINESS DIAGNOSTICS OF EXPORT PRODUCTION ENTERPRISES OF THE AGRICULTURAL TRADE MARKET." EUREKA: Social and Humanities 6 (November 30, 2019): 19–30. https://doi.org/10.21303/2504-5571.2019.001082.

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The methodology for the agrarian enterprises’ creditworthiness diagnostic has been developed and implemented, and has allowed to solve the following objectives: conducting of observations and evaluating of financially-economic indicators, classification of enterprises by the level of creditworthiness, distinction and identification enterprises according to the level of creditworthiness and assessing the differences between classes by creditworthiness, with taking into account the sizes of enterprises. Based on the use of the complex of multidimensional analytical methods, the differences

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17

Wasilewska, Natalia, Mirosław Wasilewski, and Serhiy Zabolotnyy. "The Enterprise’s Financial Condition Assessment as a Component of its Creditworthiness." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 18(33), no. 4 (2018): 493–503. http://dx.doi.org/10.22630/prs.2018.18.4.137.

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The article covers aspects of financial condition analysis regarding creditworthiness of Ukrainian agricultural enterprises that had to operate in unstable economic conditions in 2009-2017. It is proposed to improve methodological approaches to financial assessment of an enterprise – a potential borrower, due to changes in the economy, in particular in the financial sector, which have been influenced by crises that have shaken the Ukrainian economy twice in the past ten years. The proposed approaches to assessing the financial condition of an agricultural enterprise as a component of its credi

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18

Karavan, Nataliya, and Veronika Prodan. "BORROWER'S CREDITABILITY AS A CREDIT RISK FACTOR." ECONOMIC BULLETIN OF THE DNIPROVSK STATE TECHNICAL UNIVERSITY, no. 1(10) (June 16, 2025): 149–57. https://doi.org/10.31319/2709-2879.2025iss1(10).332741pp149-157.

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Assessment of the creditworthiness of individuals and legal entities remains one of the most important, but at the same time the most complex components of credit risk management. Despite the accumulated experience, the availability of a regulatory framework and a variety of models, there are still a number of difficulties in the Ukrainian banking system that make it difficult to ensure an objective and stable risk assessment. The object of the study is the process of credit risk management in banking institutions. The subject of the study is the methods and criteria for assessing the creditwo

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Ніколаєва, Анжела, and Світлана Пиріг. "FEATURES OF ASSESSING THE CREDIT CAPACITY OF BUILDING COMPLEX ENTERPRISES." Економічні науки. Серія "Регіональна економіка", no. 19(75) (December 29, 2022): 191–200. http://dx.doi.org/10.36910/2707-6296-2022-19(75)-22.

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The article defines the risks of crediting the construction complex and further developed the methodology for assessing the creditworthiness of construction enterprises, taking into account the specifics of construction projects. The main purpose of the study is to identify the peculiarities of lending in the construction industry and to detail the available creditworthiness assessment methods, taking into account the specifics of the functioning of the construction organization and the characteristics of construction projects. The systematization of literary sources and approaches to so

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20

Kucherenko, Svitlana, and Oleh Kucherenko. "Methods of assessing the creditworthiness of the natural person borrower." University Economic Bulletin, no. 46 (September 1, 2020): 170–77. http://dx.doi.org/10.31470/2306-546x-2020-46-170-177.

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The purpose of the study is to analyze the methods of assessing the creditworthiness of the natural person borrower in terms of feasibility of its applying in various types of lending, as well as to provide the recommendations on the most effective method of implementing such an assessment in banking institutions practice. Both general scientific and special methods of scientific knowledge have become the methodological basis of the article. In the process of writing the article the following methods were used: dialectical, economic comparisons and generalizations, grouping, graphical, system-

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21

Șerbu, Razvan Sorin, Laurentiu Paul Baranga, and Ovidiu Gheorghe Petru. "Creditworthiness Assessment for Credit Institutions and for the Risk Associated with Excessive Leverage toward Sustainable Performance." Sustainability 13, no. 21 (2021): 11574. http://dx.doi.org/10.3390/su132111574.

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With the development of financial transactions, it has become necessary for parties to assess the creditworthiness of their counterparty before entering into an agreement. In this respect, z-scoring methods for assessing creditworthiness have been developed, credit risks have been regulated, and rating providers have emerged to ensure a certain level of independence. This article introduces a z-scoring methodology, developed using principal component analysis, for assessing the creditworthiness of credit institutions; a methodology for determining the rating corresponding to the scoring obtain

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22

Burov, Pavel Dmitrievich. "Modern methods of assessing creditworthiness of borrowers – small and medium business entities." Финансы и управление, no. 1 (January 2020): 91–102. http://dx.doi.org/10.25136/2409-7802.2020.1.31737.

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The subject of this research is the methods of assessing creditworthiness of borrowers of small and medium business, which allow assessing the level of risk for the bank. The author examines the dynamics of lending to small and medium businesses over the last decade in the Russian Federation, and analyzes the level of bad debt in the small and medium business loans credit portfolio. Critical analysis is conducted on the modern Russian and foreign methods of assessing creditworthiness of borrowers belonging to small and medium business, as well as highlights their merits and flaws. The author c

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23

Kazarinov, Viktor, and Natalia Zvyagintseva. "Criteria for the Effectiveness of Shadow Rating Models in Assessing the Creditworthiness of Low-Default Borrowers." Baikal Research Journal 14, no. 3 (2023): 822–34. http://dx.doi.org/10.17150/2411-6262.2023.14(3).822-834.

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Assessment of borrowers' creditworthiness is the most important process affecting the activities of a modern commercial bank. Creditworthiness assessment processes occur both at the stage of decision-making to issue a credit product and during the process of regular creditworthiness assessment for the purposes of reserving and calculating economic capital. This is the reason why the commercial bank needs to develop and maintain the effective models of credit rating estimation, which are able to determine the borrower's solvency accurately and steadily by predicting its probability of default.

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Makhazhanova, Ulzhan, Seyit Kerimkhulle, Ayagoz Mukhanova, et al. "The Evaluation of Creditworthiness of Trade and Enterprises of Service Using the Method Based on Fuzzy Logic." Applied Sciences 12, no. 22 (2022): 11515. http://dx.doi.org/10.3390/app122211515.

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This article considered the problem of determining the creditworthiness of an enterprise operating in the field of trade and services. The assessment of the creditworthiness of borrowers, particularly small businesses, needs to be more careful: the level of development of small enterprises and their specific activities must be considered, as well as the uncertainty in obtaining any financial result. A method for assessing the creditworthiness of enterprises (trade and services) is proposed, based on the use of the mathematical apparatus of the theory of fuzzy sets. This article analyzes the in

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Rusetskaya, Elvira A., Yana A. Kirileva, and Ivan D. Shvarts. "Essence of credit risk and assessment of customers’ creditworthiness when paying off a car loan." Economic Consultant, no. 4 (December 1, 2023): 43–54. https://doi.org/10.46224/ecoc.2023.4.4.

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Introduction. The topic is relevant because, with the increasing demand for cars and the growth of car loans in recent years, banks and financial institutions need a more thorough assessment of customers’ creditworthiness. In the highly competitive auto loan market, banks strive to improve their creditworthiness assessment methods to offer more favorable terms to customers. This creates the need for continuous improvement of approaches to credit risk assessment. Modern technologies such as big data, machine learning, and artificial intelligence are opening up new opportunities for more accurat

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KOTSERUBA, N.V. "Estimation of solvency of enterprise–borrower on basis of indexes of financial reporting." Market Relations Development in Ukraine №7-8(230-231)2020 145 (November 4, 2020): 111–19. https://doi.org/10.5281/zenodo.4244323.

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The subject of the research is to increase the validity of banking decisions regarding the provision of loans to business entities depending on the credit ratings of potential borrowers. The purpose of the study is to improve the methodology for assessing the creditworthiness of borrowers and increase on this basis the validity of banking decisions regarding the provision of loans to businesses depending on the level of creditworthiness of potential borrowers. Methodology of work – the work used general and specific methods, in particular, economic and logical methods and techniques of e

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Dželihodžić, Adnan, Dženana Đonko, and Jasmin Kevrić. "Improved Credit Scoring Model Based on Bagging Neural Network." International Journal of Information Technology & Decision Making 17, no. 06 (2018): 1725–41. http://dx.doi.org/10.1142/s0219622018500293.

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The problem of nonperforming loans is one of the biggest problems in the banking sector. In order to mitigate this problem, it is necessary to improve the methods of credit risk assessment. One way to minimize credit risk is to improve the assessment of the creditworthiness of the applicant. In order to make a more accurate assessment, many models have been developed using classification techniques. This paper demonstrates the use of classification techniques in the form of a single classifier or in a classifier ensemble setting. We proposed bagging as a model ensemble using artificial neural

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Крутов, Р. А. "Преимущества и недостатки кредитного скоринга как метода оценки кредитоспособности потенциального заемщика". ТЕНДЕНЦИИ РАЗВИТИЯ НАУКИ И ОБРАЗОВАНИЯ 70, № 3 (2021): 45–49. http://dx.doi.org/10.18411/lj-02-2021-85.

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The most important stage in the lending process is the assessment of creditworthiness. It allows banks to prematurely regulate and minimize credit risks. Over time, banks have used various methods to determine the creditworthiness of individuals and small and medium-sized businesses, all of them have their own advantages and disadvantages, but today, with the development of information and computer technologies, the scoring method has become the most popular and effective.

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KUMAR MS, HEMANTH, and Dr HH RAMESHA. "Understanding Credit Rating Agencies in India: A Comparative Perspective." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 07 (2024): 1–16. http://dx.doi.org/10.55041/ijsrem36868.

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This paper provides a descriptive analysis of the credit rating processes employed by major credit rating agencies in India, including CRISIL, ICRA, and CARE. The Indian economy's volatility poses challenges for investors, making the role of credit rating agencies crucial in assessing the creditworthiness of financial instruments. These agencies employ unique methodologies, rating instruments from AAA to D, based on various parameters, reflecting their risk assessments. While these ratings aid investors in making informed investment decisions, they also raise awareness about the associated ris

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Kolomiiets, Yuliia Yu, and Valeriia Yu Kochorba. "Assessing the Credit Risks in the Risk Management System of Banking Structures." Business Inform 1, no. 552 (2024): 320–32. http://dx.doi.org/10.32983/2222-4459-2024-1-320-332.

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The effective lending activity of the bank depends on the qualitative assessment of the creditworthiness of borrowers. This process determines not only the success of an individual banking operation, but also the entire credit policy of the bank. Modern banks use different approaches to creditworthiness analysis, because each loan agreement has its own specifics. The article summarizes and forms the main elements of the bank’s risk management system, substantiates the significant impact of such factors as the use of the latest technologies, stress management, and the culture of risk management

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Diane Salsabila, Nanda, Nining Ariati, and Dhamayanti Dhamayanti. "Decision Support System for Motorcycle Credit Sales Using the Multi-Factor Evaluation Process Method at CV. Lestari Motorindo, Palembang Branch." JuSiTik : Jurnal Sistem dan Teknologi Informasi Komunikasi 7, no. 2 (2024): 68–76. http://dx.doi.org/10.32524/jusitik.v7i2.1172.

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CV. Lestari Motorindo is a company operating under PT. Astra CV. Lestari Motorindo, a subsidiary of PT. Astra Indonesia, specializes in motorcycle sales. Their credit purchase process involves gathering customer data for submission to leasing companies for verification, customer surveys, and creditworthiness assessment. Determining creditworthiness for motorcycle purchases is a complex task. Therefore, a Decision Support System (DSS) is needed to assist the marketing and admin teams in providing accurate creditworthiness recommendations.This research employs the Multi-Factor Evaluation Process

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Shaislamova, Nargiza. "ASSESSMENT OF THE CREDITWORTHINESS OF AN ENTERPRISE AS A MEANS OF REDUCING THE LEVEL OF RISK." Ижтимоий-гуманитар фанларнинг долзарб муаммолари / Актуальные проблемы социально-гуманитарных наук / Actual Problems of Humanities and Social Sciences 3, no. 1 (2023): 7–20. http://dx.doi.org/10.47390/1342v3i1y2023n1.

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В статье описаны возможности снижения уровня риска коммерческих банков Узбекистана путём совершенствования оценки кредитоспособности предприятия. Проанализирован отечественный и зарубежный опыт оценки кредитоспособности предприятия и разработано авторское предложение по снижению уровня риска. The article describes the possibilities of reducing the level of risk of commercial banks in Uzbekistan by improving the assessment of the creditworthiness of an enterprise. Analyzed domestic and foreign experience in assessing the creditworthiness of the enterprise and developed the author's proposal to

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Song, Xiao, Hao Ying, Xiande Zhao, and Lujie Chen. "Improving assessment capability for accounts receivable pool financiers." Industrial Management & Data Systems 120, no. 3 (2019): 547–66. http://dx.doi.org/10.1108/imds-04-2019-0239.

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Purpose The accounts receivable pool (ARP) is an e-invoice management system that provides suppliers with easy access to financial service. The purpose of this paper is to focus on the strength and weakness of ARP mechanism and suggest efficient methods to identify creditworthy borrowers. Design/methodology/approach By decomposing the sales records of 348 ARP borrowers and predicting the occurrence of overdue incidences, this study first portrays the creditworthy borrowers by sales features. Then, content analysis was applied to measure the loadings of soft and hard information, and examined t

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Merkulova, Inna V., Natalya V. Wiederker, Sofya V. Akhanova, and Anastasia S. Udodova. "ASSESSMENT OF THE BORROWER’S CREDIT RISK USING SCORING." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 1/13, no. 154 (2025): 135–43. https://doi.org/10.36871/ek.up.p.r.2025.01.13.015.

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With the growth of lending volumes, the credit risks faced by banks and financial institutions are also increasing. Therefore, managing these risks is of paramount importance. Scoring, as one of the main methods of assessing creditworthiness, plays an important role in the credit risk management process. Currently, credit institutions automate scoring using artificial intelligence technologies, thereby increasing customer loyalty.

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Milić, Dragan, Nedeljko Tica, Vladislav Zekić, et al. "The assessment of bankruptcy risk of companies from the sector of drying and storage of crops and plants." Journal on Processing and Energy in Agriculture 25, no. 3 (2021): 86–90. http://dx.doi.org/10.5937/jpea25-32138.

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Contemporary market conditions make all business entities confront various risks - credit risk, liquidity risk, cash flow risk and market risk. Companies should predict these particular business risks and manage them adequately in order to minimize their influence. The assessment of creditworthiness and bankruptcy risk has a major role in the process of prediction and management of company risks. The creditworthiness of companies presents their ability to meet financial obligations to their creditors contemporary business conditions recognize several methods for assessment of credit ability of

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Shukla, Somesh kumar, Ramakant Singh, and Amit Mishra. "A Comparative Analysis of Conventional Creditworthiness Assessment Methods and AI-Based Assessment Methods." MUDRA: Journal of Finance and Accounting 12, no. 1 (2025): 205–26. https://doi.org/10.17492/jpi.mudra.v12i1.1212510.

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Kokot, Sebastian. "Real flat prices on the secondary market in selected cities in Poland." Wiadomości Statystyczne. The Polish Statistician 67, no. 3 (2022): 46–65. http://dx.doi.org/10.5604/01.3001.0015.8066.

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The paper presents the shaping of average flat prices on the secondary market in selected cities in Poland in the years 2006–2020. In this period, the subsequent phases of price shaping were: price increase, correction, stabilisation and another increase. The aim of the research discussed in this paper is to assess the differences between housing prices made real on the basis of the following indices: inflation, salary growth, and increasing creditworthiness. The study also focuses on the assessment of the consequences of the above-mentioned differences for the shaping of the housing market. T

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Hardiansyah, Hardiansyah, Euis Amalia, and Abdul Hamid. "Islamic Personality Model as Psychometric Tool To Assess Creditworthiness of Micro Financing." ETIKONOMI 22, no. 1 (2023): 233–46. http://dx.doi.org/10.15408/etk.v22i1.30370.

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This study aims to develop an Islamic personality model as a psychometric tool to assess creditworthiness as an alternative predictive character analysis for micro businesses. The method designed to formulate the proposed model coded in R Studio uses two approaches. First, we modify Moslem Religiosity Personality Inventory and then frame a structural model based on Partial Least Square. Subsequently, we use the random forest technique to see the model's accuracy. The result shows a valid and reliable model and performs with 89.47 % accuracy with an Area Under Curve -Receiver Operating Characte

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Putri, Seppi Suciani, Fahmi Oemar, and Neneng Salmiah. "PENGARUH PROFITABILITAS, SOLVABILITAS, UKURAN PERUSAHAAN DAN OPINI AUDIT GOING CONCERN TAHUN SEBELUMNYA TERHADAP OPINI AUDIT GOING CONCERN PADA PERUSAHAAN MINYAK, GAS DAN BATU BARA YANG TERDAFTAR DI BEI 2019-2022." Jurnal Akuntansi Kompetif 7, no. 3 (2024): 405–12. https://doi.org/10.35446/akuntansikompetif.v7i3.1793.

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The purpose of this study is to determine how factors such as profitability, creditworthiness, company size, and the prior year's business continuity assessment report affect the current business continuity assessment report. The methodology of this study was quantitative. The study examined ten oil, gas and coal companies listed on the Indonesian Stock Exchange between 2019 and 2022. The study used a deliberate sampling technique to determine the sample size. Using SPSS version 25, this study used logistic regression analyzes to test the hypothesis. The audit results showed that the size, pro

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Makarenko, E. A., and D. A. Oleinik. "MAIN RISKS OF APPLICATION OF CREDIT RATINGS OF INSURANCE COMPANIES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 9/1, no. 139 (2023): 81–88. http://dx.doi.org/10.36871/ek.up.p.r.2023.09.01.010.

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The article considers the main list of disadvantages from using only the rating score formed by Russian rating agencies to analyze the creditworthiness of insurance companies. The main reasons leading to the distortion of an objective assessment of the level of creditworthiness of domestic insurers are analyzed. Compiled and analyzed summary information on all Russian insurers in the context of assessments of all rating agencies accredited by the Central Bank of the Russian Federation. Conclusions are drawn about the possible causes of deviations in the data obtained according to the default m

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A. Shkileva, Anna. "Assessing the creditworthiness of construction enterprises by different methods." International Journal of Engineering & Technology 7, no. 3 (2018): 1308. http://dx.doi.org/10.14419/ijet.v7i3.14229.

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The article presents an assessment of the creditworthiness of a construction company with the help of three methods: the classical method of rating the enterprise, the methodology of R.S. Sayfullin and G.G. Kadykov, the methodology of the PJSC "Savings Bank of Russia". A comparison of these methods was carried out using the example of "Mostostroy-11".

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Ilieva, Marinela, та Vanya Tsonkova. "Some Aspects in Trade Recеivables Assessment". Proceedings of the International Conference on Business Excellence 18, № 1 (2024): 2086–99. http://dx.doi.org/10.2478/picbe-2024-0176.

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Abstract One of the most important aspects of operational financial management is related to the management of the working capital of enterprises. A significant portion of this capital is invested in trade receivables, which are obtained from deferred sales. On the one hand, nowadays trade credit has a stimulating effect on customer purchases, but on the other hand, incorrect assessment of the creditworthiness of customers and the risk of non-payment (default risk) can negatively affect the financial condition of the enterprise and lead to chain bankruptcies. In the specialized literature on c

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Zabolotskaya, Victoria V. "Methods for diagnostics and forecasting SMEs creditworthiness using artificial intelligence." Izvestiya of Saratov University. Economics. Management. Law 24, no. 3 (2024): 294–311. http://dx.doi.org/10.18500/1994-2540-2024-24-3-294-311.

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Introduction. The impact of multidirectional external macroeconomic and regional factors of the economic environment in conditions of uncertainty and increased risks causes significant difficulties in diagnosing, assessing and forecasting the creditworthiness of financial and credit support recipients and borrowers (micro, small and medium-sized enterprises) in the Russian Federation. Theoretical analysis. The author systematized the basic mathematical methods and models for assessing and forecasting the level of creditworthiness of micro, small and medium-sized businesses in foreign and Russi

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Ditsulenko, O. I., E. A. Posnaya, N. V. Yurchenko, and E. Yu Cherkashina. "Significance of universal methodology for assessing borrower's creditivity." Вестник Северо-Кавказского федерального университета, no. 1 (100) (2024): 81–87. http://dx.doi.org/10.37493/2307-907x.2024.1.8.

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Introduction. One of the main problems in the activities of commercial banks is the risk of non-repayment of loans, as a result of which the amount of banking profit decreases and the risk of bankruptcy arises. Goal. The purpose of the study is to prove the need and importance of developing and implementing an assessment of the borrower’s creditworthiness to reduce the risk of non-repayment of issued loans. Materials and methods. Every year, the Bank of Russia expands its review of lending statistics to improve the information support of users with statistical data. In this regard, the develop

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Hašková, Simona. "The fuzzy approach for estimating the creditworthiness and credit risk of issuers of corporate bonds." SHS Web of Conferences 61 (2019): 01003. http://dx.doi.org/10.1051/shsconf/20196101003.

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The uncertainty in the financial market is often perceived as a risk of deviation from expected results. However, uncertainty is associated with vagueness in the sense of ambiguity or obscurity, which, unlike the risk, is not describable in the form of deterministic or stochastic models. Given the vagueness of the data entering the credit risk assessment models, the fuzzy decision-making process is introduced in the theoretical part and implemented in the application part as an effective alternative to standard models. The fuzzy approach is used to address the problem of the creditworthiness o

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Kovaleva, N. N., and K. O. Pobudilina. "ASSESSMENT OF THE CREDITWORTHINESS OF SMALL BUSINESSES IN THE BRYANSK REGION." Вестник Алтайской академии экономики и права 1, no. 11 2019 (2019): 92–99. http://dx.doi.org/10.17513/vaael.794.

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KRAMARENKO, Iryna, and Liliia KOZACHENKO. "METHODOLOGY FOR ASSESSING THE BORROWER’S CREDITWORTHINESS: PRACTICAL ASPECT." Economy of Ukraine 2018, no. 5 (2018): 49–60. http://dx.doi.org/10.15407/economyukr.2018.05.049.

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Today, the banking system does not fulfill its main task, since it does not finance or lend to the real sector of the economy, and a quarter of the loans provided are written off and unpaid. The current situation in Ukraine necessitates studying the ways and means to improve the assessment of the borrower’s creditworthiness as the main direction for stabilizing and improving the efficient lending activity of com-mercial bank. The purpose of the study is: (i) to access the current state of bank lending to business; (ii) to access the borrower’s creditworthiness and its influence on the amount o

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Bielawska, Aurelia. "Zmiany w procedurze badania wiarygodności kredytobiorców." Zarządzanie Finansami i Rachunkowość 5, no. 1 (2017): 5–13. http://dx.doi.org/10.22630/zfir.2017.5.1.01.

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The article discusses the new Basel III banking rules, which increase the requirements for banks, by the necessity of holding equities of higher value and quality. Capital requirements, which relate to the bank’s risk exposure depend to the highest degree on the creditworthiness of the debtor (asset quality). So far, the analysis of the creditworthiness of borrowers, focused primarily on the study of financial indicators. After the implementation of Basel III there was a request to make an additional – qualitative – assessment of business, due to the future solvency perspectives. Therefore, th

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Ghazi, Hala, and Kate Andrews. "Influencing Corporate Creditworthiness: Case Study in the Egyptian Banking Sector." Westcliff International Journal of Applied Research 8, no. 1 (2024): 50–58. http://dx.doi.org/10.47670/wuwijar202481hgka.

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Granting loans to corporate clients is the main source of income for banks. However, those loans are associated with a certain level of credit risk that is the inability of clients to meet their obligations toward banks. The occurrence of credit risk can negatively affect banks' profitability and business continuity. Considering the fast-evolving environment, the competition between banks, and the asymmetry of information, mitigating credit risk becomes a main duty of banks. The aim of this qualitative study was to determine the financial and non-financial factors that have a significant impac

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Setiawan, Tabah Heri, and Laras Prihatini. "TSUKAMOTO FUZZY IN OPTIMIZING THE CREDITWORTHINESS ASSESSMENT PROCESS AT SAVINGS AND LOAN COOPERATIVES." BAREKENG: Jurnal Ilmu Matematika dan Terapan 17, no. 2 (2023): 0775–86. http://dx.doi.org/10.30598/barekengvol17iss2pp0775-0786.

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Savings and Loan Cooperatives are ones of the non-bank institutions whose business activity is the provision of loan. In its business activities, problems often arise, namely non-performing loans which causes no turnover of funds which leads to losses. One of the causes of non-performing loans is the lack of objective creditworthiness assessment. The purpose of this study is to optimize the process of assessing the feasibility of loan applications at Savings and loan credit with assessment criteria: loan value, total income, loan term and collateral value. The tsukamoto fuzzy method was used i

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