Desarrollo de Score de otorgamiento y estimación de provisiones para la cartera de microcrédito

Abstract

Looking at the context of the Colombian economy, most of the business is made of family, micro and small enterprises, which don’t account with warranties to access the traditional banks, due to the loan approvals for these companies have high expensive operating processes. Said that, there is absolutely necessary a score that speeds up the loan approval process, and makes the loan granting less expensive while estimating the risk of each client from the beginning. In the preparation of this work, there was information from a microfinance entity, which at the cut of Dec / 17 presented 469,996 clients of the microcredit modality, with which it is expected to obtain a representative sample with 50% of clients with debt past due over 30 days and 50% of customers with lower past due. In this sense, quantitative methodologies with secondary data were used, and through econometric models (Logistic Model and Discriminant Analysis), as well as the knowledge of the researchers to determine the variables of greatest significance, estimates and projections were made in which probable financial benefit of having a score for granting the loan was evidenced. Consequently, this document is expected to contribute to the further development of microfinance in Colombia through the new digital models of credit granting and risk rating.