تقدير خطر عدم إرجاع القروض باستعمال نموذج ALTMAN (1968)‎ : دراسة تطبيقية على مستوى بنك الفلاحة و التنمية الريفية BADR

الملخص EN

The purpose of this paper is to attempt to recognize the quality of ALBADR’s decision in granting the loan to the company.

A loan was granted to this later.

According to bank’s actual data, this company is solvent.

Based on Altman’s model 1968, the study showed that there is disparity between model’s result and actual data.

However, the high rate of non-performing loans(48%) evokes the question of integrity of this data.

the reason behind discrepancy: 1- between the rate and data might be the result of the bank's information system weaknesses, 2-between predictions’ model and bank’s data could be due to deficiencies in both internal and external systems in assessing the risk credit.