PROPOSAL FOR A CREDIT ASSESSMENT MODEL FOR A FINANCIAL INSTITUTION
DOI:
https://doi.org/10.24325/issn.2446-5763.v11i31p247-270Keywords:
AHP, Crédito, Critérios, Bancos, Análise de créditoAbstract
The purpose of this research was to develop a credit assessment model for a financial institution using the Analytic Hierarchy Process (AHP) methodology. In its development, the identification of 10 important criteria in credit assessment was considered through the interviews, validations and refinements carried out with the six credit specialists. After data collection, detailed calculations were carried out on the weighting of criteria and a scoring criterion was defined to facilitate credit assessment according to the client's profile, adopting a minimum of 65 points for the client to be eligible for a line of credit at the Bank. Once the points for each criterion had been identified, data was collected from three clients who had already been assessed by the Bank, one of whom was suitable and two of whom were not, in order to apply the proposed credit assessment model to validate the methodology applied. We can conclude that with the proposed credit assessment model, the financial institution will speed up the analysis of the client's profile, avoiding the time spent analyzing the profile of a client who is not suitable to receive a line of credit from the bank, reducing the analysis time to 3 hours
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Copyright (c) 2025 Ronaldo Fineto , Fernando José Gómez Paredes, Mario Henrique Bueno Moreira Callefi
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