Repositorio Institucional Universidad EAFIT ::Examinando por Materia "SISTEMA FINANCIERO

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Diseño de un modelo de scoring para el otorgamiento de crédito de consumo en una compañía de financiamiento colombiana
(Universidad EAFIT, 2017) Arango Duque, Laura; Restrepo Baena, Daniel; Henao Jassan, Rodrigo
Credit scorings are tools used since the 1970s to grant a probability of default to the applicant of a credit, to weigh their qualitative and quantitative variables; and in turn, including the conditions of the requested credit -- The use of scoring has been boosted since the 1990s, in order to mitigate the credit risk of the requests and to find the clients that fit the profile desired by the entity, complying with what was established by the regulator regarding the implementation of a risk system that reduces economic losses taking care of each stage of the credit cycle, in this case specifically, the granting -- Therefore, the objective of this work is to design a scoring model based on the methodology of logistic regression for a financial institution of the valle de Aburrá, supervised by the Superintendencia Financiera de Colombia, based on information provided by the entity, which comprises qualitative and quantitative variables of a group of clients in a set period of time