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IMA Journal of Management Mathematics 1992 4(1):89-95; doi:10.1093/imaman/4.1.89
© 1992 by Institute of Mathematics and its Applications
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Credit-scoring models for the evaluation of small-business loan applications

KEVIN J. LEONARD

School of Business and Economics, Wilfrid Laurier University 75 University Avenue West, Waterloo, Ontario N2L 3C5, Canada

Received on 1 May 1991. Revision received 1 January 1991. In this paper, the decision process of commercial loan officers is modelled. Specifically, commercial loan applications from a major Canadian bank were analysed. Creditscoring models using discriminant analysis and logit regression were created in an effort to replicate the decision process. Results indicate that credit-scoring models for small-business loans are effective and that further analysis in this area is warranted.


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