Original Research

Die voorspelling van kredietrisiko met behulp van biografiese veranderlikes: Is dit die antwoord?

P. L.S. Ackermann, W. P. Jansen van Rensburg
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

About the author(s)

P. L.S. Ackermann, Skool van Bedryfsleiding, Universiteit van Suid-Afrika, South Africa
W. P. Jansen van Rensburg, Trust Bank Hoofkantoor, Johannesburg, South Africa

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Abstract

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.

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