Towards the adoption of credit scoring to predict the financial failure of private institutions : a practical study at the Algerian popular credit (Guelma agency)
المؤلفون المشاركون
Bin Nasir, Amal
Bu Rasas, Widad
المصدر
Journal of Contemporary Business and Economic Studies
العدد
المجلد 5، العدد 1 (30 إبريل/نيسان 2022)، ص ص. 765-779، 15ص.
الناشر
جامعة ابن خلدون تيارت الملحقة الجامعية قصر الشلالة
تاريخ النشر
2022-04-30
دولة النشر
الجزائر
عدد الصفحات
15
التخصصات الرئيسية
الموضوعات
الملخص EN
This study aims to find out to what extent the Credit Scoring method predicts the financial failure of private institutions; in this respect, a practical study was held at the Algerian Popular Credit (Guelma Agency).
The study was implemented as follows: first, recognizing the different stages of applying the method of Credit Scoring at the agency so as to grant a mortgage to an individual, and then applying (Altman Z'-score model) to three private institutions belonging to different sectors to judge their ability to pay, and to decide whether or not to grant the loan.
The results of Z'-score were as follow: 1.
The First institution: (2.
99 > Z' >1.
23) therefore the status of the institution is uncertain, in this case the loan will be accepted provided that there are real guarantees (mortgages) equal to the value of the loan.
2.
The Second institution: (2.
99 < Z'), so the institution has a good condition; thus, the loan is accepted.
3.
The Third institution: The value (Z' <1.
23), and therefore the institution is on its way to bankruptcy, so the loan is refused.
The results of the study confirmed the importance of the application of the Altman model in predicting financial failure for private institutions.
The multiplicity of credit scoring models, depending on the sector or activity of the institution in which it is used, has increased the effectiveness of these models.
نمط استشهاد جمعية علماء النفس الأمريكية (APA)
Bin Nasir, Amal& Bu Rasas, Widad. 2022. Towards the adoption of credit scoring to predict the financial failure of private institutions : a practical study at the Algerian popular credit (Guelma agency). Journal of Contemporary Business and Economic Studies،Vol. 5, no. 1, pp.765-779.
https://search.emarefa.net/detail/BIM-1389633
نمط استشهاد الجمعية الأمريكية للغات الحديثة (MLA)
Bin Nasir, Amal& Bu Rasas, Widad. Towards the adoption of credit scoring to predict the financial failure of private institutions : a practical study at the Algerian popular credit (Guelma agency). Journal of Contemporary Business and Economic Studies Vol. 5, no. 1 (2022), pp.765-779.
https://search.emarefa.net/detail/BIM-1389633
نمط استشهاد الجمعية الطبية الأمريكية (AMA)
Bin Nasir, Amal& Bu Rasas, Widad. Towards the adoption of credit scoring to predict the financial failure of private institutions : a practical study at the Algerian popular credit (Guelma agency). Journal of Contemporary Business and Economic Studies. 2022. Vol. 5, no. 1, pp.765-779.
https://search.emarefa.net/detail/BIM-1389633
نوع البيانات
مقالات
لغة النص
الإنجليزية
الملاحظات
Includes bibliographical references : p. 778-779
رقم السجل
BIM-1389633
قاعدة معامل التأثير والاستشهادات المرجعية العربي "ارسيف Arcif"
أضخم قاعدة بيانات عربية للاستشهادات المرجعية للمجلات العلمية المحكمة الصادرة في العالم العربي
تقوم هذه الخدمة بالتحقق من التشابه أو الانتحال في الأبحاث والمقالات العلمية والأطروحات الجامعية والكتب والأبحاث باللغة العربية، وتحديد درجة التشابه أو أصالة الأعمال البحثية وحماية ملكيتها الفكرية. تعرف اكثر