Repositorio Institucional Universidad EAFIT ::Examinando por Materia "Score de riesgo"

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Nuevo esquema de crowdlending como alternativa para reducir las barreras de entrada al crédito en Colombia
(Universidad EAFIT, 2024) Campos Hernández , Jhonathan javier; Castañeda Puin , Luis Felipe; Brucker Borrero, Clara Eugenia
The rise of digitalized financing mechanisms through Peer-to-Peer (P2P) crowdlending platforms has generated a partial solution to the entry barriers to credit. According to the current scheme, risk models regularly used to assess the probability of default and support credit granting decisions are based on socioeconomic and sociodemographic characteristics. This degree work aims to evaluate a new crowdlending scheme in Colombia that allows the referencing of potential borrowers, in order to reduce the barriers to entry to credit through the reduction of the risk of non-payment measured through a risk score developed from a logistic regression, comparing two risk models with the same explanatory variables and adding the referencing variable to the second model. The results obtained show that with the application of the second model, 51% of additional credits are granted, which would imply a significant reduction in the barriers to entry to credit under the proposed crowdlending scheme. However, the efficiency and prediction capacity of both models does not change significantly when including the referral characteristic.