Purpose – Quantitative methods known as scoring models have been traditionally developed for credit granting decisions using statistical procedures. The purpose of this paper is to develop a non‐parametric credit scoring model for micro enterprises that are not maintaining balance sheets,...

Purpose – Quantitative methods known as scoring models have been traditionally developed for credit granting decisions using statistical procedures. The purpose of this paper is to develop a non-parametric credit scoring model for micro enterprises that are not maintaining balance sheets, and...

Lack of availability of funds is one of the critical factors, which restricts the formation and growth of SMEs. In spite of many good and laudable programmes of the Central and state governments and also RBI's diktat to lend money as part of the priority sector to SMEs, still at the ground level...