The Probability of Default on Payable Facilities of the First Micro Finance Bank in Herat Afghanistan

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Mohammadi Mohammad Sadeq; KARIMZADEH MOSTAFA; BEHNAME MEHDI

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Journal Paper

Paper Information

Journal: Journal of Economic Modelling Year:2021 | Volume:14 | Issue:4 (52) Page(s): 79-100

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Information Journal Paper

Title

The Probability of Default on Payable Facilities of the First Micro Finance Bank in Herat Afghanistan

Author(s)

Mohammadi Mohammad Sadeq | KARIMZADEH MOSTAFA | BEHNAME MEHDI | Issue Writer Certificate

Keywords

Probability of DefaultQ2

Credit RiskQ2

Logit ModelQ1

the First Microfinance BankQ1

Abstract

The aim of this study is to investigate the factors affecting the probability of banking facilities default by customers and to determine the main variables coefficient related to the probability of default. Finally, using logit regression, a model has been provided to increase the ability of the bank's managers to solve the problem of non-repayment of credit facilities on time. First, 7 variables that had a significant effect on customers' Credit Risk were identified and fitted to the significance level of 5% of the final model using LR statistics. The results showed that the variables of the borrower's monthly income, the borrower's relationship with the guarantor, the guarantor's guaranteed capital, the borrower's experience and job stability, the loan repayment period and the years of borrower's relationship with the bank, have adverse effect on Credit Risk and the variable loan amount has a direct effect on credit risk.

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APA: Copy

Mohammadi, Mohammad Sadeq, KARIMZADEH, MOSTAFA, & BEHNAME, MEHDI. (2021). The Probability of Default on Payable Facilities of the First Micro Finance Bank in Herat Afghanistan. ECONOMIC MODELLING, 14(4 (52) ), 79-100. SID. https://sid.ir/paper/402625/en

Vancouver: Copy

Mohammadi Mohammad Sadeq, KARIMZADEH MOSTAFA, BEHNAME MEHDI. The Probability of Default on Payable Facilities of the First Micro Finance Bank in Herat Afghanistan. ECONOMIC MODELLING[Internet]. 2021;14(4 (52) ):79-100. Available from: https://sid.ir/paper/402625/en

IEEE: Copy

Mohammad Sadeq Mohammadi, MOSTAFA KARIMZADEH, and MEHDI BEHNAME, “The Probability of Default on Payable Facilities of the First Micro Finance Bank in Herat Afghanistan,” ECONOMIC MODELLING, vol. 14, no. 4 (52) , pp. 79–100, 2021, [Online]. Available: https://sid.ir/paper/402625/en

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