This study aims to identify the factors influencing credit risk and provide a model for real
clients credit rating, the applicants of Mehr Imam Reza fund facilities in Babolsar, from 1388
to1391. In order to explain more, default probability of 15 explanatory, demogra
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This study aims to identify the factors influencing credit risk and provide a model for real
clients credit rating, the applicants of Mehr Imam Reza fund facilities in Babolsar, from 1388
to1391. In order to explain more, default probability of 15 explanatory, demographic (age,
sex, education, …) and financial variables(the loan value of the collateral) were considered.
The results indicate that the implementation status and gender variables have been the most
important factors affecting the probability of non-repayment of loans. Of course the type of
collateral, skill experience, financial status and the background of activities are effective as
well in reducing the risk of non-repayment of loans
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