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Die voorspelling van kredietrisiko met behulp van biografiese veranderlikes: Is dit die antwoord?
South African Journal of Business Management | Vol 14, No 4 | a1162 |
DOI: https://doi.org/10.4102/sajbm.v14i4.1162
| © 2018 P. L.S. Ackermann, W. P. Jansen van Rensburg
| This work is licensed under CC Attribution 4.0
Submitted: 24 October 2018 | Published: 31 December 1983
Submitted: 24 October 2018 | Published: 31 December 1983
About the author(s)
P. L.S. Ackermann, Skool van Bedryfsleiding, Universiteit van Suid-Afrika, South AfricaW. P. Jansen van Rensburg, Trust Bank Hoofkantoor, Johannesburg, South Africa
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The prediction of credit risk by means of biographic variables: Is this the answer?
The objective of this study is to identify specific biographical variables, to quantity them and to investigate their relative importance in the prediction of credit risk. A representative sample of 250 bad credit risk clients and 250 good credit risk clients is used in the study. A multiple stepwise regression analysis and multiple stepwise discriminant analysis were carried out. Nine biographical variables were identified which explain approximately 16% of the variance of credit risk.
The objective of this study is to identify specific biographical variables, to quantity them and to investigate their relative importance in the prediction of credit risk. A representative sample of 250 bad credit risk clients and 250 good credit risk clients is used in the study. A multiple stepwise regression analysis and multiple stepwise discriminant analysis were carried out. Nine biographical variables were identified which explain approximately 16% of the variance of credit risk.
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