Prioritizing of Credit Ranking Criterions of Isfahan State banks' Costumers by Using AHP Fuzzy Method

Hossein Rezayi Dolatabadi, Avaz Yari (), Fatemeh Faghani (), Ali Akbar Abedi Sharabiany (), Mohammad Hossein Forghani () and Mohammad Kazem Emadzadeh
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Hossein Rezayi Dolatabadi: University of Isfahan
Avaz Yari: University of Isfahan
Fatemeh Faghani: University of Isfahan
Ali Akbar Abedi Sharabiany: University of Isfahan
Mohammad Hossein Forghani: University of Isfahan
Mohammad Kazem Emadzadeh: University of Isfahan

International Journal of Academic Research in Accounting, Finance and Management Sciences, 2013, vol. 3, issue 1, 303-313

Abstract: The purpose of this study is to recognize the effective factors and Prioritizing of the validation criteria used to evaluate the natural and legal costumer's credit risk. Hence, we have chosen the central bank's branches in Isfahan (Refah, Keshavarzi, Sanat o Madan, Maskan, Sepah) as the statistical sample. Therefore the required information gathered by questionnaires from selected bank's credit officials and analyzed by Expert Choice software. After studying the theoretical bases and former researches, first of all, we have recognized the main variables of the credit evaluation used by banks and among them we have chosen four variables (personality, conditions, financial situation, and assurance) along with sub-variables. Then using the respondents' opinions and AHP Fuzzy method, the validation criteria of Isfahan banks' costumers is ranked. Implying the authentication of the economic and financial theories in effective factors on credit risk's domain, we could predict that the effective factors on banks costumers' risk do not have the same weight and some of the variables in costumers' credit risk evaluation have more importance than the others.

Keywords: Credit risk; validation; banks' costumers and ranking; the analytical hierarchy approach; the validation criteria (search for similar items in EconPapers)
Date: 2013
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