Although expert systems technology that takes advantage of artificial intelligence techniques is very powerful, its application in the business domain is not without problems. Nevertheless, integration of Decision Support System (DSS) and Expert System (ES) will improve decision maker...

Changes in loan quality affect loan pricing, credit policy, and the capital structure of the Farm Credit System (FCS). Improving the assessment and anticipation of changes in loan quality is a continual challenge. This research shows that loan quality assessment through aggregate credit scoring...

This study examined optimal farm capital structure and investment under asymmetric information between the farm borrower and lender. The capital structure of the borrower may affect the terms of the loan contract or may restrict credit availability. Thus, under asymmetric information conditions,...

The repayment ability of the borrower and, therefore, the loan performance should be contingent on actual performance of the financed business because other sources of income may not be reliable as evidenced by recent economic recession in USA. Accordingly, credit scoring models should basically...