The use of discrete variable selections for credit evaluations

Rj Calantone, Ca Di Benedetto and Vr Errunza

Omega, 1988, vol. 16, issue 5, 469-480

Abstract: A discriminant model for evaluation of loan applicants by bank managers should be capable of handling a wide variety of data in a parsimonious manner. Frequently the data will be discrete, and not easily converted to continuous form. Furthermore, missing data may be a problem. This paper examines the use of a discrete discriminant analytic technique in credit screening in a rural setting. The efficiency of the model is evaluated with regard to both rate and costs of misclassification.

Date: 1988
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