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The use of discrete variable selections for credit evaluations

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  • Calantone, RJ
  • Di Benedetto, CA
  • Errunza, VR

Abstract

A discriminant model for evaluation of loan applicants by bank managers should be capable of handling a wide variety of data in a parsimonious manner. Frequently the data will be discrete, and not easily converted to continuous form. Furthermore, missing data may be a problem. This paper examines the use of a discrete discriminant analytic technique in credit screening in a rural setting. The efficiency of the model is evaluated with regard to both rate and costs of misclassification.

Suggested Citation

  • Calantone, RJ & Di Benedetto, CA & Errunza, VR, 1988. "The use of discrete variable selections for credit evaluations," Omega, Elsevier, vol. 16(5), pages 469-480.
    • Handle: RePEc:eee:jomega:v:16:y:1988:i:5:p:469-480
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    Cited by:

    1. Bai, Chunguang & Shi, Baofeng & Liu, Feng & Sarkis, Joseph, 2019. "Banking credit worthiness: Evaluating the complex relationships," Omega, Elsevier, vol. 83(C), pages 26-38.

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