Open Daily: 10am - 10pm | Alley door pickup 10am - 7pm 3038 Hennepin Ave Minneapolis, MN
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  • Open Daily: 10am - 10pm
    Alley-side Pickup: 10am - 7pm

    3038 Hennepin Ave Minneapolis, MN
    612-822-4611

Open Daily: 10am - 10pm | Alley-side Pickup: 10am - 7pm
3038 Hennepin Ave Minneapolis, MN
612-822-4611
Credit Risk in STP

Credit Risk in STP

Pires Soares, Diovísio Lagos

Paperback

Management

ISBN10: 6207667220
ISBN13: 9786207667222
Publisher: Our Knowledge Publishing
Published: Jun 16 2024
Pages: 52
Weight: 0.20
Height: 0.12 Width: 6.00 Depth: 9.00
Language: English
The importance of credit for financing companies and families is undoubtedly an important lever for the development of the economy in developing countries like São Tomé and Príncipe. Hence the importance of studying the subject and understanding the associated risks, as well as the factors that determine them (Bonfim, 2006; Das & Gosh, 2007; Morais, 2013). The Basel Committee on Banking Supervision has acted to prevent future financial crises by adopting measures aimed at ensuring greater solidity in the international financial system. One of the consequences of these measures is the need to create internal mechanisms to monitor credit risks. It was within this framework that a methodology for analysing credit risk was developed, with the aim of understanding the factors that influence the level of default in households. This methodology is based on the credit scoring model (Gestel & Baesens, 2009; Júlio, 2013), an econometric model that uses the logistic regression technique, taking into account the dichotomy of the dependent variable under study: credit default. This was applied to a database from a financial institution in São Tomé.

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