Building A Credit Scoring Model For The Savings And Credit Mutual Of The Potou Zone (MECZOP)/Senegal
Building A Credit Scoring Model For The Savings And Credit Mutual Of The Potou Zone (MECZOP)/Senegal
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为波头区 (MECZOP)/塞内加尔储蓄和信用互助机构建立信用评分模型
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发表时间：
2012
期刊：
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通讯作者：
Audrey Achonu
中科院分区：
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作者：
Ousséni Kinda;C. Anta;Audrey Achonu
本文探讨了塞内加尔农村社区储蓄信贷互助银行的风险信贷管理。使用logit模型，我们为该互助银行建立了信用评分模型。有三种主要的评分模式。回归模型的主要优点是它清楚地显示了信用风险与其特征之间的联系，因此具有很强的预测能力。我们的研究结果表明，在logit模型中，年龄、年龄平方、性别报销历史、保证和报销频率等变量与还款概率的关系均具有统计学意义。为MECZOP开发的这种信息丰富的信用评分模型允许对影响延迟偿还的变量进行评估；然而，它需要在老客户和新借款人身上进行测试。Ousseni Kinda拥有经济学硕士学位，目前正在谢赫·安踏迪奥普大学攻读公共管理发展实践硕士学位。他参加了塞内加尔波图千年村项目的实地工作，处理小额保险和小额信贷问题。他有兴趣进一步研究经济多样化和更广泛地研究可持续发展问题。奥黛丽·阿乔努目前正在哥伦比亚大学攻读公共管理发展实践硕士学位。她最近在塞内加尔波图的千禧年村项目实习，在那里进行了这项研究。奥黛丽拥有经济学学士学位，辅修政治学，她希望继续研究如何在宏观和微观层面促进经济增长，确保经济增长在发展的各个层面发生。
This article explores the management of risk credit in a savings and credit mutual in a rural community in Senegal. Using a logit model, we built a credit scoring model for this mutual. There are three main models of scoring. The principal advantage of the regression model is that it clearly shows the link between credit risk and its characteristics, and hence, has a strong predictive power. Our findings show that the variables age, age-squared, gender reimbursement history, guarantee and frequency of reimbursement are all statistically significant in regards to their relationship with the probability of repayment in the logit model. This informative credit scoring model developed for MECZOP allows for an assessment of variables that influence significantly late reimbursement; however, it needs to be tested on old clients and new borrowers. Author’s Note Ousseni Kinda holds a master’s degree in Economics and is currently pursuing a Master of Public Administration in Development Practice at Cheikh Anta Diop University. He has participated in field work at the Millennium Villages Project in Potou, Senegal addressing issues of microinsurance and microcredit. He is interested in further conducting research on economic diversification and more generally on issues of sustainable development. Audrey Achonu is currently pursuing a Master of Public Administration in Development Practice at Columbia University. She recently interned at the Millennium Village Project in Potou, Senegal where the study was conducted. She holds a bachelor’s degree in Economics with a minor in Political Science, Audrey hopes to continue working on how to foster economic growth at the macro and micro-level, ensuring that growth occurs at all levels of development.