, thus providing investment suggestions to the investors: credit scoring (i.e., predicting the credit risk) and profit … scoring (i.e., predicting the profitability). However, relying on a single scoring approach may bias the loan evaluation … conclusion. In this paper, we propose a bivariate model based on the integration of two scoring approaches. We first formulate …

to SMEs. The proposed model consists of two discrete components: a traditional credit scoring module that employs …

Islamic Microfinance Institutions (IMFIs) encounter distinct difficulties with credit scoring because they need to … follow Shariah principles that combine riba bans with fair financial dealings regulations. Conventional credit scoring models … Shariah-compliant credit scoring method that solves problems found in standard evaluation systems. Using a dataset of 1275 …

-driven updates beyond the logarithmic scoring rule to all strictly proper and locally proper scoring rules and strictly consistent … scoring functions. PRADA updates reduce an expected local divergence measure under misspecification and thereby generalize the … scoring functions or identification functions, PRADA updates operate directly on elicitable functionals of the postulated …

This paper analyses the housing markets of OECD countries using a scoring model. This model is based on a European … risks. Second, it illustrates that scoring models contain subjective aspects, e.g. in the choice of weighting factors. We …

and 2012 (early recession period). In the context of a stepwise methodology, we compare the Bank's credit scoring model …) to check both the predictive ability of credit scoring models during recession and the effectiveness of bank management … decrease the predictive performance of all credit scoring models. The study offers a reliable methodological tool for lending …

have shown promise in credit scoring, their comparative performance in the context of student loans has not been thoroughly …