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Evaluating applicants’ credit capability for banking facilities by qualitative and operational indicators

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This paper presents an empirical investigation to study the relationship between 13 different factors such as credit history, applications’ educational and management skills, etc. and credit risk. | Evaluating applicants credit capability for banking facilities by qualitative and operational indicators Accounting 3 2017 41 46 Contents lists available at GrowingScience Accounting homepage www.GrowingScience.com ac ac.html Evaluating applicants credit capability for banking facilities by qualitative and operational indicators Somayeh Yarifarda and Sahar Ojaghib a Masters Student Department of Management Central Branch Islamic Azad University Tehran Iran b Masters Student Department of Management Central Branch Islamic Azad University Tehran Iran CHRONICLE ABSTRACT Article history Consumer credit risk assessment involves the implementation of risk assessment techniques to Received December 5 2015 manage a borrower s account from the event of pre-screening a potential application through Received in revised format to the management of the account during its life-cycle and possible write-off. This paper March 16 2016 presents an empirical investigation to study the relationship between 13 different factors such Accepted May 28 2016 Available online as credit history applications educational and management skills etc. and credit risk. The May 30 2016 study selects the profiles of 380 applicants who received loans from one of Iranian banks named Keywords Bank Mellat in city of Tehran Iran over the period 2010-2011. Using Pearson correlation the Bank Mellat study has determined a meaningful relationship between applicants profiles including credit Credit risk history business characteristics personal characteristics etc. and credit risk. Loan 2017 Growing Science Ltd. All rights reserved. 1. Introduction Consumer credit risk assessment involves the implementation of risk assessment techniques to manage a borrower s account from the event of pre-screening a potential application through to the management of the account during its life-cycle and possible write-off Saunders et al. 2006 Crook et al. 2007 . Risk assessment of financial intermediaries is an area of .