期刊名称：International Review of Social Sciences and Humanities
印刷版ISSN：2250-0715
电子版ISSN：2248-9010
出版年度：2012
卷号：3
期号：1
页码：104-107
出版社：International Review of Social Sciences and Humanities
摘要：In developed countries lending via decisions arrived at using formulae to predict risks based on the performance of past loans with characteristics similar to current loans have been employed very frequently with reasonable success. This approach is formally referred to as the “credit scoring” approach. A pertinent question is can this approach be viable for microfinance lenders in developing and poor countries as well? The present paper explores this possibility and it suggests that scoring does have a role to play in microfinance lending in developing countries as well. However, this approach may not be as powerful in impact as in rich and developed countries but it has the potential to complement the existing microfinance technologies in developing countries. In the next decade, many of the biggest microfinance lenders will likely make credit-scoring models one of their most important decision tools.
关键词：Microfinance; credit scoring; performance measurement; innovation; lending etc.
