Sauinge aH DavEIspMont Savings and Development[A CREDIT SCORING MODEL FOR DEVELOPMENT BANKS: AN AFRICAN CASE STUDY 1 Object of me Reseach ‘sous ted to erst ek eration n developing canines [Vga (12) ay Aur oes te regen on oan repaynent eres LOC the qual (og potatos ax a a ease ndeselopment ares anocemert Shae ty al cr rogers are mplomorios. Then asus so Mareuh ‘sian ytna ean come, Grama van tes) Wan (387 200 ‘ee von Pace. Ads and Doi 1953. Van Pct 1501, Same Autos speo scion oan repay anne orn caus or dela ‘hey lu) any parts he bo owars charactors he trance eatutonee “Grane, lan act cov aa ove Fewertion een te ‘Roca, agus end Geran Voge 100) Aguiar, Gonz Nopa ape aha (S320, tear ana (tes Bary: Bor ond Sa 98) Mai a oye 18902 Aton am ucts (138M, Nord bast (181) oko are Ga (120) Sanrare (086 ard 1880, Sky ane Tapeoba (ae). Yabe 987 ‘he resus of hese nudes sages! tan pra quay could mgrve tcugh ich cetorwiess ana spetealy deo acpi Me part LOC = Sorta tronorporsoceton an atectne conto ot erat ak sauce aspect ‘ean nanagenen!espcaty na eebpment seine Trin ate ppies che Tass de Gus Agel of Brtna Fass where he as proposed 1 ican ih st cole lear mlrmaton on Soromer ussiat ea em prritces ieee a “The pao ies the teva kyon anc dine in ria ough whch canbe nigh nthe onn evaluation proces rering spicy wal scorer, {petra cone tans mre enact he met teat ‘To hypethesos ao ore. Theft assumes thre ae sere factors tet he toners shiva at oe italy 0 nceasa to potas delat cata St Bons the way the town conc resented ts carers feist prc tan ctigeton ara na niingrereorepay The pohess ses tha Casa Pieecuhanet problem [Jonson ang Wang (37s) empre!Teaute cane ths ‘pen Scan, epebem one qty rman, expored fs arm ‘toting the common used norton one custom Sty a witngnese ‘oveay. i: “Tocvercone te wiseseraad absence of caret nomaton, nth a exaution ‘ods are usd to dently symptoms the boomers parma and behaar, Forts pupae syiomat varaio are empoysto ese nscale foe asiomers ey ard ning foe ‘As cone th seord ithe re ean poets — bases weanesce ‘sited te austy of memati, theres oem need fr tard Secoral Tramonais and oortinatan betwooh te hd OMe anak rane oe fe sha stray doesn ‘ma cman rao «pa rede econ Tn "eset spe st cing chau devegret banks as se According oe ptopased approach hes mods Nip he nat obtain ore {Gangs pure of ne boroner® charters tough the iat ad eaberen of Srmbtonare veaties 42 Merever,quntttve model alo fr he apo af canenn evaluation srr a Sank branches tal make bench ening lees mare conor withthe gener ot [sees ofthe bank The quaneatin of he judgement na oor o ale mparant [tems ges rmponsiiy to an Meas or tha Sion hy ‘ate acorn thotcoreor or anlrmave cate, asia anzet vey trprenlnSoveeomont Danis, were acceurabity eon ofa fen a probe “Te propoaed ml is lear he thre intel of cr te ‘nari The dees of credit tak ls the recut of the busacton ef bce ch Cmetancee —poranalcrtrmepecie-" he sty ohne banka coast oats ‘tose crersance ad eb capaci 0 esa nan creas esc so. "ny. Armia inne evaluation the tvewars emotes the rrosicon bt meporepats loan eovatons may wreeaso io lal Toko te Warsacon “Ts propor enterica Framework a pene sp pled nan LDC's conta. This seu rutonanp been hear and eet. ancl reste an be an pear ian rproungposoto management deve. ‘mort ban wd the Bak personnel dacs making and earn paceses ‘reat vetianon comple process when mpi caetl naj norms fan eonenming the boomer nso watnata Pm peobty ta he oa wl Be rogutny ropa. ‘he preoaby of equa rayon depends on sje facts relat to he tr ‘net operating enernment the boone’ eraerl tae ona theca rae tes aby to ovalute hee ws aspoc aug he rmaton te ahs {o'cowol eat ra space conrachal conde, ‘cancers heat scet he barons peal envtnmen. he comply the snails ncaa thet the borowors acy mor cveriod. Oatrming (acorns equates sweet irae Race Balt em pocience varie — etuctereeea— yan wih space ol Conley. awever, ent nacestan agatha alt lh jaan since more Scpisicated anion rake te tal udgamentpoenaly more pre, gen te ‘iow learn ih hy ae ans One ra aay sre se ‘ons whee dea are medley and tec avsate may be dengrous I aoe {oes simpeiy othe formation colecednanindcaort he soromors atl {pre gnert more meaning ater sais maby a craneene data Obert tuatons nahi the litaions othe mlornston gathering pocees cave he aati oe ama epee men aos Bony, The ow auly oie ntrmation which may dev tom he stuns js eeerbos inereoses roa rsh bacaue ners anche tema of uneramy nthe exh ton inne carrie copends net on on the vol barawer's performances sas on the abt to evokate tas performance tough sales arma ‘This may occur due tthe cy of inerpring the data a8 a consequence of ‘haces the borewor wna may hs sms ele rron The Sereno ‘ote sorousy mata owasban srerponane rstoneng whe nk osc IF evorua!dtaut does nat erste serous consequenos" “The bankcan change his bona trough demaraing contac coins tat hee he boron epee bition The rit vou oreo ptt wi ely indus reeponabl payne Fue groups of actos acting eect ik can ba summarskd 1 he eit’ ably 1 repay 5 ie posence favowase extemal condos (econ a ensicnmerta) 446 & the natty tone canoer tgs os tcogion ene compat oa, “we resus thi ara can be trot wii hs tamowork sce al ef: tars abn an eapecaty tne moa power ons fr Gaciaton can aes Be Ted ports 15 Pot’ was ot expan edad set wats \izerminaton. en th common goagromica and eserame eign the same {Xstrata condor however hav mpc ha aby rey C=). 24 Te CCA of Butna Faso The Calas Natenae do Crest Agrools — CNCA — au Buing Faso veep Inet bank crete in 1378 wiht mf promntng al anal development Te trot impeant sharealdr to Goverment Buran Fase [CNGA 1156880) {At ho boping esc tho ONCA was conceived a a canal boy, based an fublea frig ueingeaonaing oak det nara seas one ave ‘ating alc st ucttes were ernst withheld met. These scree band ‘ene betwen tha Dank and ha rl raise nine bar cuome” aborts tnsame very aoe. ural custrers det not perceive any change rm he “rect souton ef oven: ‘mont reat tothe CNOA stucuca. The ntevonton oth CNCA wae tt a Streamer ter tp cad disbursement Theateuso ona publ east Inwnen loans wore oer enced ea gat epesented sean nga the CHCA {rd ha eavous consequent on he aunty ot loa portale ore mpotanty. the bank ha ne elective cen ver th amir srs ‘ih ee a ven ech ear roa strat con o p Conti tat roe between these clues an the CNC evenly odie the Shrw'ssbusee an rganzatontvcugh decease aor rcs Sn Sect Ianapamet ofthe tnding recess. A the saa time the CNCA sot 3 sans “5tization poy in der to decrease ts cepercence on uberis nang Bank management was etetveencugh face Ne chang: hi ante seen in toe twecontal systems (A080), germane ellos for cos recon, ee ears feecarch amas mprovng to erestworhnacs evalua prozac, “Tho oan ports strom past reblomsafstng tho mage he CNCA bat the stir = impromg. The ENCA lence to ina weage groupe {0 ‘Grospoments Vilage) and ng arteries he tr bing head fies corer Sot een a parcaiage oe an ula weer ne an ae ‘Bank roti, cet ets yar. cute salary, rotating me neavy ‘rvs loan oases. The CNCA'smaka sve iow abso me ut oud Esevaustedconsaeengine aetibutonolanersterondanes Bang he ony rma {mance coeatng mary ta gons,meGNCA's mane href ances mush hiker nan the sister nde, “Tho GNCA souls bo estucured wih cuecoss tough acontnucusl improving en ing poy Ths reese stmuea oy ha aaroweasemes hat ra er aan tecingucs cola be bevecal The batu's manage gl improve Ssteteny,n contact er govelepmant bank whore cel adhe me trent procure ai preva Tatas vory rnporat or made el sce Shureaerate and unmatvated snk personel weld ica te result, Making 22 Samping Forth tit apleaton,eanalye slime are yates onda aerating Sal ra mere lms ana smoot 18 mane naan wa tan C8 ange ‘rupee ery peur estes for wer # maybe eeu to nd mea temecasary to ora a sutabe rod or Gs. However, the elaborate 2 qu ‘ate med or G's wuld ot Be 8 rien, ene the mated rst damenstaes ts ‘tly Torin aan “Thosarple wae ouracea tom thpoputtion of athena cuerarsctthban sein he popuaion congestion cones rola ardinsclverces utes, and deve ue ofthe loan. The samo is gute preserve of he population’ | protien encour ine nomsteonoce of fo come dbarvatore. Tha ergs ‘ana 178 ooeereaons wae hen rca’ fo 109 mere complete observations Ik ‘rerio he reducton of sbsewatans [jews 108) he etowng wo chicas {estima one modal wits 100 chests, cropping the varies wih many miss 2 etomatngsssond model or 3 observation sng amos al he slocted arabes 29.Coleton of normaton Ironman was eolacled trough cuestonnaes and direct intoniows wh ean Imanaper Guana anc qusatee rormation was bind ‘uantaive dat wore dod inh ign fxm o aft elaboration (oats) ‘har ote eno treraal ramowere peso bor nts LOC carton, alata ‘Rematon sores much mre evar han arate dt. ren he tens ‘Sualabity of boot kecpng pasion The satafatory aslo a he mado cant fhorwevance ot quasatve crt ryote vara oe hay ato symp oo ivawa’s tran pvormance Pigand (1982) and (9866), These usiaive ‘rabies were nlud no fort of dummy vars ‘The quostonnaie covered lhe common elo ivesignton fr lan analysis. 1 tins ded inthe flonng ea 1. Customers Persone! Characins ‘ne cua prsoal twat (oe, ex fli, mata satus, educa.) and Ise pofesaona acti sac ace) Kato acy, tt caste’ pleasons skis, ail to conte productive pro- {ass manpower employes. ost portarmanen ofthe ir dye cf eehroedy. po. ‘chs tnt roscoe changoe. Taz imermaton Bess crac were the Seat arn saan ower meen ne panes a omes “7‘omen financial data are nt avabie or alse and aye rl clams ‘norman 2 roaity Favende nas avdeaino “main revenue” rng om the cuter professional ac- tity ans “secoraryrowene ham ahs soueos Some resto venue sass Uy worneudedTecton he bane wad etme ie venues loncome? elraton or person verison wore se connerad ass rat see oostnte the famty consumption expenses ace rey tes ua fescue pat ther agate psu ornate he ‘Te mount of tol ascot was compile chung money and Japs. wa Sometime fet oes ol sexta absence bench rales. The {scotsaour i ol coniered toe rian fr Coo ik vauson buts cea moun of progres an nscale! the catoners se ranong ana mana sities (oso vars) ana may become s ber agent ay Snatas 5. Fnac Staton Inia! and cron amount of ans ree cide by sous of ung: aout ‘taut, ane ranted by ho brrner The amu hae presence easy ‘sing debts nega atts pay oxpsty i ceutarlance’ oy he ompiiee fang att! naga tnor on non of th uss cedwarne he antng stom Notittanding money foi. the presene ot ne define nvsmon pan may ‘te an ndeator oh Catone sosouess and tessa sil, The press 1 oer sourons of nancig Trt same natant eject was rece, 7. Customer's Relaonsip wit the CNCA Fistrea at on ho flionahia wre caleted, ae wel fermion onto way Ime contac taraon he bank anh cstomar lke pn (t te bank, aus sre Projects.) A clear understanding ofthe correcta! ob Is eer tro ‘numarparion moet ana sue oon tae td conte Variables voc Is [spect ro corskeed a syrpoms of he wlngness pay 8. The Beak Cantal of Cnt Rik ew fun are dsbured in kina, wh kan sinter and methods of rpaymet 6 ntact conto on ios ae, tures. epeymen pera colt nd ‘enn oar trea Sarat at a he 2.4 verano Soston | fect soocon of cin varias was detemined by the numb of cbserstons ‘oramch iy were avatble Hros oberon posed mang vals gven ‘arbi is vrais was depooa Ts eimnaton's aso corer wh these ‘eres The purpose of he oven oa that acu or hs ek ‘oon sgt sows he rk ea ca ken aed a a ‘A sacandsolecton of te vais hom he xg data 6 as basi D0 onthe ‘ecw hoary ane one varbe creation th nachency, vn tain alba ‘iscaminat analyse reat eoreton win Manan) nt aur cers {wali vals [onthe sujet soe Esanon (08) pp. et) vaaos ‘Seror nt cored win inslvncy ware roped when ney wor not oo ora fort tesrecatntorettion “The ening to 59 varios was usa ccd tthe method decribed inthe {atoning argiagh.1Babarvatens ott M1 wore @oppadtermeapiee ala The tinal ape cenaoa sn Goervatons mth ecamples horton angen Ubinaree ef mvostgiton shat pttabey. Ths herabonsa forthe se of mp. ‘ranevaatieg The mos sas a tntad for araduse samp ot soeoaons fornhich more comple dla an prota, the nana stuston, and act ‘Gonshe nin une varic. tata anal was pple ona tat et ofa ‘Erbin tna on sample andthe reded amg 11 Yatra and 13 acre to BSppancee and 2) wore eepotvyetared Tho et fst goa af factors ‘Atepmise lorward apsiaton ran the fcr wuld wget nude ees Eictactre andtha ahh Howowr glen te tects mesg oe ators ‘pgondr i} fers ner mega proving the Scns pe at oo1 actors weve salocted hough stepwise forward motos forthe second es Foca aalsie was wud foro pence eatons. Fs he desepon of concen ‘toate trough watly spin Da formation bea he use of «numberof Input sabe aretamonsoneé competed wn re numa of obsoratons. Fars ‘iby avedueton fe numberof np varias wth r los of evan iat ‘hoortel reauston pr. 12) H waaa be more ai 1 ahs conesprsence ‘Stross teory andthe variables ho then nhiduly eect enly poral aspects fa camel phonerenon “Th ante discriminant power fhe actors contms the alto! the approach {otro ihe heoatel and amps pom of ven. 26 Te ClsstationResute ‘he floning eles eummaie th resus of czrmiation fore cal sample and Ihovaduces ene Rests oct veapecivel ms ecassifeaton of re criial samges ‘heap he ek fe method moh asses trata th ose ‘ans hvough a srmane uncon esmares ig a the cveratons excep! te fe soba seg [taconite (873 “Tw ben caretiaton wae ataines when Me sare sample usd o compute te ‘nein unetansenignsl sample nas cased Jack kn res, wore. fe ike sosictry eapesaly eorecerng to xpermertal ehaace fhe appeal Si nen te ob tate dl ite Ea‘The esuteot ns tatclasteston snow aber moc acurseyn eating eta ‘Tso wast paral. fom the coroutng ef hcl port ha penal Type Tonos trough he weighing mscasstcaton ct Cy, fate Aspardx 2 ‘The ginal samp clasiicaon i partouary sats fr deters 2 correc asatis Sz ha aoseraion. Tha eka aloe dass net wore ho TPE \Vrecestiemon aor ut shows aor gun or ah ane tat teed ‘ast in 80% of cases, ‘Te gampaton lb dacirnaton ares cone. Ch te Dechat nd EGp stows a superny ofthe proposed made faery compared wine "Mtr Cranes" model gaan the basa fe comutaton, ‘Te casaicaton one reducoa sample ih ory rues thorns which ‘mos arabes wore aval, ges the alowing results = | “he inroduton of vals vualy eluded inthe credtorniness esting ce, sch at rvoranmaneuror oa Set vata, cavese a sgh impor ‘stimiaren onan otsanatane’ Ths Cocefcni ef dress oct shae Sonteanty The pce shows go sey deta cosstcan oS) ‘nea netenng for rag are, ‘Also in mis secone model the companson of leer costs EC vith ECan ard [Cyan SHOWS a spernty oFte oposed Med 23 onetusione “Thetwo dscinian md respecsey spp on tea earl anon fhe redvond ne rave saute goos preci, pany 2 Cota the ssa ot Type Tear nse oftetimies availa omaton, hoe rsute sow hal eds ‘git med ry spe aes ay onthe yea ek “Tho major proslom encountre, the absence of he utul grofiaby and franca mension the cuter, fs an terecing ston nus astral 82 453Inara areas o L's ts gute ae ane coat octet real nrmston on Thetcasomer'sattabity. Ths imted meager tors Ma a ye ropa vente sabato ‘veualy sce hey eau lay arirot re mcd rx etmnaton Tey a thon symone ofa mere compl sion an ecto be combed exch et ‘Stet Ipods repayment roby Face” snl erecrts aay ney b Conon thee spnptons ogame in away hal Mey bec ctrl {feieorast erpetanon Some maar expects feed ik neo fcused ashe customers pata, an 22 alaten ine woah, he cosone™ ate ower efron ban. the ‘ince atm to come ot tak troop corecleontor, he eaity Oho. tat ton th sn wet agone The acy hard rs eat ak ele aoc mesure spac hat uaa more SPC Shee io ait of taser a att reat ote mentaroa ot Nok areas eee ‘Rapontw Iota expanatn oar mseingslThey can be OU 2 lows eso caters parlomance te cars destin prota tes fe in 22,415, trance san one face»), a ase tw acs, # 8.7) Miya fhe ester’ ae: one ata (= 1) ete othe boone’ tude isan netarsation commen) nef (x®)Seetangte rowers ra (Pa crractor ove actor {2 17) ee rowers theres bane stone. pr on he bark corr of cad ek ono feo nlasg variables onto oan eomont (8 tea on aval dats: one Ico ened tthe gut of rformation (1) Irene orpaynaninsandng ho poste esucng hat oak pace m be CNA, ‘hen a beara te tegiy of te pst mage anon ntact MEN = Innoraivestuctaoe oargos aan asbursorer ‘The cusione'speremaree ary etnete towsh sympa ails rather ‘any guarttane dated avlabn. Several ater fel os sot, One Str oe be quaty minus The ornate ee ec ke ‘ary covered by ta ana. “ho tatrs stains onthe reduced samp of 31 oheenatons [608 Appons 1S mer fori teats on oy were aa canoe on se a othe customers poriomance: ottabiy (our airs # 3 5, 10.19). nan fl stan (ore taco»)! anets Qn aoe #2. 12) fr of te custma’s tue: to faces (2 1 ard paral 2 6 led wo the bbotowe's attudetonards the tarcacton (crwninen) one co 9 destbieg Seon ray rahe aro roasts none hare Are on he bank conto crag isk: tes tacos (4,1 19) ‘rea on aa dat: on factor (6) Stop foward method solute acters 3, 5,6, 10. Feet 3 and 5 are ndaters Sto sartara'seoname pata tnd revenue arab. Faso 10 ti ‘ested pont but oo eeu ak contel rough telben amount Sterns tn Te Sn ator relate the Quay ef norman, Innes ctor ota psc one rato ha borrowers aude meh poe ‘ote ar re harrahs mio ae at tance! a tmarela obigaton Fer ts group of usm comment wou vaio ‘onesie pros oven supra oy symptoms arabes, Proabaey a reer [iby ables, Se wol au Craou fk ova meanest oan seat 1 ro tity, Secame mere partartthan he is dactrraton. However be Safar Include he customers atade nmi cia he banceusomerrastenehip many ‘hore tects onthe quay ofirtrmatio fsa ba explanation acorn Agee oot tsi cheraon emu Hone const of tanh a “aie arate nt im area sympere fewest opsonns 455{Iesevarabor become syptams the customer's econ performance. ely ‘arms bose mart fe te esvnd cr, aoe nth ce ct cr {3 epay depends on probably and nt en ol eves, Into te arayoe symptomatic vara eynporant OF couse the rsucon| {preseeoverac manares re aceon sample reas tre mas peters ‘onovortnereutsalthadacmnaton one tsar are ute satay == ‘tolan nvltontotne on clean cost symptomatic aratze. The Ue of ese ‘aims conanet mith 9 sategy 3 memieaion of he ean exes vale [ae ‘Good n Ezanone (1981), Mein (1879) suggesting at eng decsons Gans ‘Shim can exe ue ite ote nares at orate ah veut oes Sd the pouty tata Evin asf hh rc prrancs. dain os should abe src econ pont sang nate (ve responaby to lean ancy ecpctaly ‘er docewatzed branches, Te ss has sone pny ay strona na an See acting alos sn herecalaewsa toric ray ee ‘Anon sppcston fia snlys, aking advantage of tha fest experience, oul give {fey stsing snd une esuts In pre, he inteducton ote method nthe ‘Saucon de Great Aprole urna ac, wares eet was, woud Be que easy “This bank ie wel organized and is ving a congue etre They ae as ining ih at waerng tat oan poo ont hoe canomers oo jt by con rec! bans snd at config lan por sk The poveses evauaton meted [ico ona qantas maga acon ympsomatierarmatin aps ho bar eae ae inv aparey conic cjectres ac traona ate evaluation poco 486 andatlows cutomor a canna demonstrate to be recive ue aoa san ‘drs to bocome afie borers 4 Append 1: Theoretic! interpretation 141 Meaning oe Orginal Varaioe Using factors as nuts forthe can mod does nt lo he etiation of he Inada eet eas arabe on cod “ak The corsinon oes variables wh Itslvancy may help the aralys inthe neta of acre. he sort ao ‘ompitod fr he orga varibies separaay op te ll sare (09 otearans) ‘spd ered sae (9 cservtons. Coasts Nave aout ways the sam an nth samples except in some cases where he sorance sparc ine ant rom he heres! pi fom, Tabs tn the append shows the cveeon fore sacle vrais athe scora sume rome varabes tlt fre et simp ware roped bt ew mare ep when tn total earing ws Song inter oatow or a conparson wh hese oe rt Customers Charactonstics aren ave bates custrers than men, because hy are mere enrprensul si srt ean ere nvidia uy at cian ae ‘om of stabi and conibaas oa aduston eager. The proxy he bank tho reduces ist avon the sbronger barkeusomer aton=i, Ging eed racks ‘Seat ane some sone 20208. Enwipase Charsctosstice and Customer's Atty ig ats, ay revo ean wr Mah, etna rt who vestckbreding an tage we nega mat aavncy The gre Tecmolegy aa the leit oat o matt change cuca he poet tn ‘civncy wile pordanceon weather candansnereace a eae varaes 2 ‘lta bret andovarv ity nd we actos ese earn tnecon eenyo few nto tat se rt ter cote etaresa rm a7Seabee as potty ais ios Sra ited pracy sowed conv aut_Alne ati nk Wes'ene pease ona craton ee io oe epuymorans tron anepane cvaaten, Tuncay ose ease marry neuron enes at over meatures were ine inte reduce samp. vo the ambit hese oreroncrar cn autos hat sppare tebe mare rlaba wee cosh. Fatale Sanpe ov omotomatc arabes rte prema wre 28 aT theme feng nes Inmate on eres ar ype mney ining encore a eacivncoeet pomanorrrrence(.salaes persed ans MON ee cpu topaynetramorigha br casas alate chose tet ae per pices, m opposon te presence ct publ or Beet aang? Those este mi ib eae parton n pub oxen rece sch have «Remy pct on eed fa, a8 8 ie tet Ony dn om aur ltd aa te telepore PONS Sulit be nuded tater an some ater symplomaticaranes rtd 1 580 ah Ae concene Reston tie vl wth otal asset oF ta ne rion cry Preece eal tt aoe Satan asec anneal ventral et” woe ede. at ae Pst yr ele cal Honesto aa sen an nsaverty t sess 0 alec baby of Yopayman fx bang = _smptm otto curorer’ “petal egy’ the wealthier estore of he aa Bart aeaaycedwory in oer bak nant ote consis het a et fas onthe cusiome’sfmancilstution ard on ts aby 1 op ‘Theta amour tepals loans asa negate coréston wih insoeney, being ao {on of he cistomerssorourness Loan Use Investment Project Intron onthe sor nanced was included to account ra widespread habit Investin tage ater ante man act ote borrower esi conrm a regal ‘eiton betwen epeyentand te aprcutual sac aa postive lon cetwoen {he fomer and weston browsing ad aang ty 1th seo ins constitutes apace sector octet’ mare versed a Seeds Secesas ance Welaan amount ten reetalreson Be Satara Sta repayment capaci ‘The ink ofthe oan wa eter eae ama Wy tho CNCA teases ott ek. The ‘Huision of te allan nto venus pars Can make more aout correc ‘lute tho custom's abit f epay and eortses the custome ‘Te poronage of sa nance regal rete tinslverey ighighing te act ‘hat he boroner's movement nthe projet sacs repaymen ‘Thats ainos 0 reaonsip between the spec pets proRaity an equa [Gan repayment Th conta te wisespacdepnon at We fab of anoy are ‘he niyo te etarprae (oat amore (159), von Pronk ane Raa 900] mate [nseadngand dangwouttoputce mich atanion on esses oa be na (9 song of oeshtng he Hr’ iba paromance Bank Customer Rtatonship ‘Xapontanoou an specatn om sige group member arcs peste epay- ‘nancy su mi dre rom he eet os pres posse earns ‘tthe group oon On th star hang, prtepation na pubteroragn pret era oan [poteaion evgnatey Bye presonce of projet incase eat ih becaute they 458 459bine he custom's percopton ofthe oblgaten. They may iti a stan confusion etn their al fe bans andthe pejet vegan (1325 int sane veya coc conta! wah haba foster great wilgnes repay Tie rp ion ates Wee foun fo those customers that prenatynoooiaed ta wi ‘he bank and iste he bak inthe cabursemer ard rapayent pasos fat oan ‘Te psi conlaton betwen being member of projet and deat wa fr Ine fedued expt. Customers wah Yecod hago system are probabiy more ‘ducal and mote able to dutnguh tun aelpaons end peeps arcs ‘o narra clon, Howove, the lean &enenurogod by the proc, cad ek ‘yg ao ne rede sepia Oa ca rat he customer might tees {et in evauning hear vestments when habe tacky aproect Wits ‘he ret the cata Ie moreso slots CConractual Condon and Cred isk Control stoners equrng goa amount rebate apsyng customer i th sap, aba bce hy ae aoa enatatrd bark carrer. Cmmparin te ma Srmualreveruo othe loan amount hs avenue came ef oar Somat Mats {othe amount de at each ratty there's 2 song nega careaon wn dea “hs conse thor that alates revenues, loan eeu ad cad ok eats [157s Masin (199, Ugane (19824, Von Pech (063), ‘Alon smaller than th amount ei may encourage he custom fo diet funds ‘corner purposes, teasing crash intasanayes, however ie ovdor hes ger tora amaun rantamount equted. fe gner ered The can bo ‘spain tug he pete efor of «core! aan anaes tat maa he Dan ‘mere rete mt jesgement. Far he reduced samp th te! owe or wo ‘Susans: tnopresonee oer ovatus nisms oon whe erate te dae ‘etresice bans rt toning andthe urtoner Mees mG more ao ‘Fhe booming capt Loans in Kind ar her sk, contming Mat oases to cont! loan use re ota infective. As concerns opeyort. voluntary repayment of epamens tough te ‘auto of elares ana pete aa lowor akan opayrarte rough et es ton from eveed deposts of sae revenues nthe ol samela atria eta to cre ak while tera tong agate foraton been he roger maurice wn cout. Sra poe opaymens tc ave the susomerssaignson and swat he ctmer's money tom Te learnt equets of ther fmly marae [a lo nos by Eke nnd Dap {700 nterecuees same a uanaip sao eng bal ore a Nahe pee ‘onion betwen matty Sho du “The longer he mang peed rom apeaton to isbrserent ha hers the rt ‘ok The doen ha mpatence a! mingin long he cuter mpemen® Famer iveeennt project on sceaul “The ctr he oan amount uses he CNCA ae 8a proprtan of he inves Inunt in eccrdance wth Socurnted o rejected evens wah sala, Whe the ‘st tara does not sem fo be felstaf epulrrepayme te lero ana sion a Bete conel of eet ak Thoin ae, the moainpernt met of expt baronng cots, has nw in: ‘ence on cere a concer the Pomel le wile he eee 'a(omaura ‘ars te) hes songer eet. The eects of rarest ators more rv for ‘he rade arpa. Tone reas might prov the oestence oom eed mtonng {Ssos and Wes een However GCA mrt alesse shar aver han mahal ‘aie and other element cf pot cots, sh a dey a bursa, ae a ‘nore spencer some aaveres saeton otc tara na et aan ee ay neem in eh 20d (991.190), Bayss and Cuevas (1900p 372) nhs cone al sve 58a proxy for weston eppertuntes Nlzon (1970) and gente rebtecament Fin ctgatondarung tam ne rk of propor los, On he cata, he pede {goed sat ostocve: en the CNCA ge oars inked and venue ede cntho, tutors elene rota ropa at nebo ne cane gon Personal guaantes soem ate tect reacting the apparent inporance fsa pressure i Arcam 206. 40 461The Customers Banking Behavior Pet at, houphdelormnedy sao cause auch oa drough. nore cach The erisonce of eer cet ars wi the CNCA et crat kin the sare snes Wile Being tebted with eer sank fen «syato af polenta egy an ‘icosve gure witha CNCA mgihise teat te tank aud canis ‘ater than a lend fina rein eps aya api ipaart an ation ita bancustmarreaonsnp Quay of tomar ‘Wine the bank hes complete dats onthe customer hee gh apy Inthe fot sare wor, n canta te tarmesiaten of 9 development past {heinlomason rarmeren eran st ek The ealeinsnsthy a he eauend ‘sume to he qual o! norton righ pend cae roe compete tara Younger tims in te age sample ae more sb 0 eta ik Tht i ‘buble tthe ack of hte ifm on fee pestormarc, Three sa le, homevor, dose show he sama fee buraps again, sve tte er COM ‘nermaton stained ns ease 442 The Factors Irtaten fo the Total Sample Input factors fr escininant aay on thet arp ar sana in Table 2 st Append 2 ho thet factor, xplvng 26:3 of al varanc, shows Nh aang for same \avabls ret ioe prnerce a avlpnen oj and othe uy ot ober usta rotor (ox. eet gotten Given the preceding oxlanon a ench ‘eran aer este a an nde ft Doron aii twa “Thesecond factor ulin oft variance hashighlaudngs evils oc Leger andrmns sy. Ta agonal Oe epenaes ‘nghorondngs. he action onde prsocectoretaoe sets 462 of prota, rave qa ih valves A igh valu sls comespnd othe variable indicating alte loan smourt ae hos Seong to roars messuts, ‘Te testator (39 ot vate sno ghloaegs ote arb: {ge ofunesored GNC loans th lan th er eae arto oy he CNA. ‘Bacartag fo propet nano he ctutono!CNCX Conan he lnc ‘rcs reatonsip win the CNCA for many curomers One Sul ime he fe {ors anesthe cuctomar’s nancial exposure and fe stoma by {© manage svoral rong contact In ac the varabe wating te gree ot Saif fmancing has be oppote ating sign and Yeducs ine castors rae ot “he four actor ony reacts he varie alata tothe vetck reading sector, 2 const wit protabiy and ts vena. The tt factor olots he ssi of he customer’ porcnaland aaron tu tar. Impatant varias are e sure of rete fom pros forage) Mera, femoyed with &rogua Slay. Factor number clay tls to the cstome’s gana economic condos, ot tect as concerns ests amount and composition. Gen the wence of exact Ireasresof ase value the varasas euch ae: gages, tlt aa [ruven of eco bare Our estate indo sais ofGy=070 and Gr 0085 MTU aay Saige Coy Natocess ated Sms out of ome snc Reterones ESIRDy ens el Utecy, toener i ‘an age, cn rae nan Apo sera nh Eo issue ay Sea $n a aa P r enno o a 475cA, oH Maer sone. Cann Ho Cat gon, Cu Sarl Fri and Gua Saar hah erage Seriecrimes Savas beng a ance ithe te emck ac 9 ‘ag mmc once uners Sar naan Pree Seek ‘Covorse ut S0 Patenatse tars ts hcgoweaa Paden So ows, tn ig yt fm My ec: py ad ‘tom penne amar any Foe vnmanaon macy Peach ee "Waning Geup rater Spo Mire 9 EN ee ‘at et Ene 7 anne ape sr aera a ae, ‘emanate Savor ng san 5 3 sit “an Exaginfo Scr Saget Beemer 79. ee Soap Seen oye a, J a May Fa nga pan bay Pc a ga “cc te Et in an ey wai tar in eresiicbones pr ones esc nso on noe A omer Ae a a Mg an St a6 armmienap see as nics nue Francs oOo ap ae snare pte Exon eta ei Beara Dre tac an esa int nn enor ara ay 10 tin ae Ral Fa Pn ean Con el AD Fics ety Sn Faevencnge oe 96) oe SE cence ‘Sree Oweme nab mmm Danese & tra ifcoca Ure do Se ere HE ‘vows imar oon pape Ces salar Uta aos Sua Bement Sie pc one ‘xray at natn al oe Seen ‘Pein 10, al Ws 1 py a Ye Op man A at eerie tonne mat gi ‘shea, Os im re ee a ec Ot Ct ‘Senge eine Sepa a ada sa ay aLean portisio quay could improve trough a sulle crearwonhiness ashe “oectealy desma aap oto pareuar (DC con. na boasergeepee- the aelctveconea of a rs uc expect bark management espe Ina dovaoomen satin Ths she case the Css Natonale de Crast AgrCDe 2 Barta Fa tar tno mado proposad ine paper weed Two major problems concerning loan anes ae ein: tia arin patel ating eo oman on aro ites 2 the abconce of benchmark procedures by loan ana consistent with bank en Sano ter ‘stops he est po, an eraluaon procadies an be proved ough a more ‘Stson ato and uta af to frmaon necessary tena he poset of ‘payment The paper keno he racvantnomaton and dete stars ough Ith f canbe weighed in the loan salvation posse, Two iypenase are ores. The tt ssumee tar are some factors atacing the rrowa's behav tha! ae If inoue the prosabity f Goaut Sond the ‘poblom of th quay of ifomation expos, hisassured tht some mites can {mage in re a ova eee ducting tne cman {4 Iformation onthe customers” abity and willgnes rep. To overcame the ‘isespead absence a curact noma vation modal 7 0d 0% 7. tos ofthe bovows'spaformance and bahar For hs purpose sympa ‘arable are ampoyed's ote maestro th rower usta ay ad i Innes 1 ony ‘As cancers second poh cedt evaluation procedures theres cen a n00d ‘oy shared seasonal ramouorta and eorsnatin bolween fe head ees ed Bart ‘races in ordre alata dacsans Fox pupere m9 ppicon sa ‘atve made for radtwonbinest Cased on mutate secrintan ana Is 9 ‘posed, nt vanaoos ae fc ood Wom a we ef vais, Tho eon Iteston ow fulormant na score aio iporan because fg espns {oftan oces fr the decors they fake accosig fe see ofr anaenave hace. Ts fast spec el evap anes, where account oan ‘tees on «problem ‘The prapassa moe! a0 rev he ort trp fre ok to ‘minants obec ceunsances - perso fm specif, the abit ofthe bank {Scarrecty evaluat thes sreumsianoe nd te ban capac) eetablon an eo ‘recente the pape applicable nan LOC's cone. This ea latonah be Ineo nor and to rerpetaton of asus an boon portant el n meow pt {oto management ier deveopret tank 73 Oak personel ce nat od learning processes \UnwoDeLe DE “CREDIT SCORING” POUR LES BANQUES DE DEVELOPPEMENT: RESUME ‘La quai ou pattie peut te amelie ravers ane analyse de a capac de ‘al gpproprce ay contents des PYD. Eh ganda) un eae et erage de ‘ator un spec fsa cea geston Cana, some Gan un Mle oh ‘fe aéragppomont Cole a a auznpour fa Cus Natomas de Crude Agreed ‘Bunina Fass cu ona consbut io ol presets (On peut constr deux problmesprincioaux dan Fane de cbs "inal 6 cou Bove des eolct ds roneignorent ut Templuntou veo entesioe 2"Tansonce de procédures stanardades on lone see pote de pr de ban {ue qt soem ssement sponds pou es apes de 2 Enceauiconcome le prier pont. ls procstesvlaton power re aneloées ‘ravers aan of laabon ls eens dee oncsgoment coe pour ‘stra prattits de rember! Cet te ete es erent Dortontso tin Ie rare por is paver cored vausten (On prsere dour hypthses. a premiere tat ya ces facturs afecan fico Davoment de mprnter gu peuvent ucmentr a prababite mpay. a dx ‘ane oncom prtsme de ula se essen su Tenprutaar On pares ‘quo tian daar acco aux domes unvterent see pow estes apace Sn vlon do romboursoment pe enraiar Se ares evan Ando 480 481‘montr cate itute on propose an mace dalton aes euros amptmee de (arpertomance edu comportement ge Temgrareu? A ot Spartan ie es ‘etodramere rotates den dn neater de capac! a ‘Quant au ceuidme pointes procure baluain- a souvntin besoin un ‘adr decinonel crmmun eo cooranaton ate eg eve agances pour exer Lio ps de decison stare. Ace fn an propose apectin un ede Quah tat pur Para de crc bas ur Tanai scant ruven. Les vad neue sont rorsenisos pa os acteurs bons dun mame pur vs Go arabe Inte: La qunaicaton ds jugeren! avers un acres aus Inportante parce (ote pormatdetrbuerlos responsable aur agent doce pour leurs asoiors im accord ou en option appar mi Seore C= apc Yes pera Cars (es Banaues do sevoopoament Lo mode propase es aus inpotat pow Snepetaon des acteurs deteminan lensque de cect os caactnatoues porsomotes 0 de enrepnse ce enero la capac ela cunque 3 var corrector es caracaratquese Panis oo labanave tbr des condo sure tq cone 3 aaurele age dcr omeete demonre que aproce théonqu reso dare ude ot vale pou fe coment das PVD Cat aston arene aetna neta Gas ‘esis peat deverr un rsbumor portant pour ardor gestion dupa ‘es banves de dovclopement ans! qo scapes cecsennete ee processus a9. ronissage 3 persone! banca