ASSESSING THE POWER OF FORECASTING POTENTIAL REVENUE OF CUSTOMERS IN FRONT OF THEIR CREDIT HISTORY FOR LOAN REPAYMENTS (CASE STUDY: BANK MELLAT OF ZANJAN PROVINCE)

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KHALILI ARAGHI MARYAM; ALIGHOLI MANSOUREH; MOHAMADI JAVAD

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Journal: QUANTITATIVE RESEARCHES IN MANAGEMENT Year:2013 | Volume:4 | Issue:2 Page(s): 127-154

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Title

ASSESSING THE POWER OF FORECASTING POTENTIAL REVENUE OF CUSTOMERS IN FRONT OF THEIR CREDIT HISTORY FOR LOAN REPAYMENTS (CASE STUDY: BANK MELLAT OF ZANJAN PROVINCE)

Author(s)

KHALILI ARAGHI MARYAM | ALIGHOLI MANSOUREH | MOHAMADI JAVAD | Issue Writer Certificate

Keywords

CREDIT RISKQ2

POTENTIAL REVENUE OF CUSTOMERSQ2

CREDIT HISTORYQ2

LOAN REPAYMENTSQ1

Abstract

The purpose of the present study was to investigate the predicting powers of potential income as an additional independent variable to CREDIT HISTORY to predict loan repayment. the results of other researches indicate that the credit evaluation system does not fully explore all available predictors of loan repayment and is therefore less efficient at predicting loan repayment. questionnaires as main research instrument was designed on the 67 participants are employees of the bank run. Loan Repayment was the dependent variable, and CREDIT HISTORY and Potential Income were the independent variables. statistical results in the 97 percent confidence level is indicates a significant relationship dependent and independent variables. The findings suggest that lenders should consider both CREDIT HISTORY and income potential predictors in credit rationing decisions. This study will help Banks to impose better controls over CREDIT RISK.

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References

THE DESIGN AND EXPLANATION OF CREDIT RISK MODELING FOR IRANIAN BANKING SYSTEM

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APA: Copy

KHALILI ARAGHI, MARYAM, ALIGHOLI, MANSOUREH, & MOHAMADI, JAVAD. (2013). ASSESSING THE POWER OF FORECASTING POTENTIAL REVENUE OF CUSTOMERS IN FRONT OF THEIR CREDIT HISTORY FOR LOAN REPAYMENTS (CASE STUDY: BANK MELLAT OF ZANJAN PROVINCE). QUANTITATIVE RESEARCHES IN MANAGEMENT, 4(2), 127-154. SID. https://sid.ir/paper/191981/en

Vancouver: Copy

KHALILI ARAGHI MARYAM, ALIGHOLI MANSOUREH, MOHAMADI JAVAD. ASSESSING THE POWER OF FORECASTING POTENTIAL REVENUE OF CUSTOMERS IN FRONT OF THEIR CREDIT HISTORY FOR LOAN REPAYMENTS (CASE STUDY: BANK MELLAT OF ZANJAN PROVINCE). QUANTITATIVE RESEARCHES IN MANAGEMENT[Internet]. 2013;4(2):127-154. Available from: https://sid.ir/paper/191981/en

IEEE: Copy

MARYAM KHALILI ARAGHI, MANSOUREH ALIGHOLI, and JAVAD MOHAMADI, “ASSESSING THE POWER OF FORECASTING POTENTIAL REVENUE OF CUSTOMERS IN FRONT OF THEIR CREDIT HISTORY FOR LOAN REPAYMENTS (CASE STUDY: BANK MELLAT OF ZANJAN PROVINCE),” QUANTITATIVE RESEARCHES IN MANAGEMENT, vol. 4, no. 2, pp. 127–154, 2013, [Online]. Available: https://sid.ir/paper/191981/en

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