Theoretical design of a model Credit Scoring based on the Holt-Winters method for MFIs
Keywords:
holt-winters, micro nance institutions, credit scoringAbstract
The micro nancial institutions must assessing the buying power of its potential customers when awarding them with credit. This work aims to design a model that allows MFIs to establish the ability to pay its customers. This article gives a brief review of studies using di erent techniques to build credit scoring models and proposes a system based on the Holt-Winters method model to analyze the risk in granting microloans from expected cash ows, with emphasis on seasonality cash ow present. It should be noted that while this is a single variable, its relevance is considered itself a model of credit scoring.
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