Does Retail credit scoring help the management in taking better Credit decisions?
Research question: does Retail credit scoring help the management in taking better Credit decisions?
Introduction
I. Literature review:
- Definition and History of Retail Credit Scoring.
- Local and International Regulatory environment for Retail Credit Scoring:
a. IFRS9
b. BDL and BCCL regulations
c. Internal policies - Creation of a Credit Scoring system and the problems encountered during development.
- Problems encountered during the usage of a credit scoring systems.
- Factors that influence the effectiveness of a credit scoring system.
II. Diagnosis - Research Methodology:
a. Statistical/quantitative
b. Sample selection criteria - Description of BML’s case
- Analysis of the findings
III. Recommendations.
Conclusion
References.