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An Analysis Of The Applicability Of Credit Scoring For Microfinance

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Executive Summary

Credit scoring has been successfully applied in domains as mortgage loans and credit cards. This paper analyzes whether credit scoring should be adopted in microfinance institutions. Previous research on credit scoring in the microfinance field was mostly situated in Latin America and Southern Africa. To the best of the knowledge, no studies have been published before on the Eastern Europe-Central Asia and Middle East-North Africa regions. Furthermore, opinions on the applicability of the concept are widely diverging and statistical concepts as weight of evidence coding and measures as AUC are not commonly used in credit scoring studies for microfinance.

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