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Tag: Credit scoring
What is statistical credit scoring?
The ability of Financial Institutions (FI) to effectively underwrite microenterprise loans depends on accurate assessment of the loan applicant’s ability and intent to repay. Traditionally, financial institutions use their past knowledge and experience of financing microenterprises to carry out such assessments.
Oct 29, 2018
Democratising Financial Services
In addition to Aadhaar, the India Stack is likely to transform payments, financial services and consumer protection in India.
Apr 12, 2016
Puneet Chopra, Paresh Rajde, Vivek Anand, Samveet Sahoo and Partha Ghosh
Design Considerations for Credit Scorecard for MSME Financing
One of the major challenges faced by MSMEs is the lack of access to finance. Through this paper, we suggest a fresh approach by introducing simple but effective credit scorecard.
Dec 1, 2013
Design Considerations for Credit Scorecard for MSME Financing
One of the major challenges faced by MSMEs is the lack of access to finance. Through this paper, we suggest a fresh approach by introducing simple but effective credit scorecard.
Oct 1, 2013
Principles and Models of an Effective Credit Scoring Tool Design
In this video, MSC’s expert Anup Singh, Domain Leader for MSME financing, discusses the utility of credit scoring tool for standardised appraisal of prospective MSMEs for financing. He mentions about the key design considerations that the banks and financial institutions must keep in mind while developing credit scoring tool for MSMEs’ appraisal. He compares the […]
Jul 19, 2013
Risk Management Credit Scoring Part 2
In this video series-2, Mark Schreiner, Director, Microfinance Risk Management, talks in detail how credit scoring system works. In rich countries, lenders often rely on credit scoring— formula to predict risk based on the performance of past loans with characteristics similar to current loans—to inform decisions. Can credit scoring do the same for microfinance lenders […]
Oct 13, 2008