Design and Development of Credit Scoring Model for Conventional Banks for Individual Borrowing Case Study on PT BPR Sungai Puar District Agam

Abstract

Objective -This research is conducted to design and develop credit scoring model on the conventional bank in order to determine individual loan. The research takes place in PT BPR Sungai Puar, Kabupaten Agam. This model tries to evaluate the credit risk of BPR Sungai Puar.Design/methodology -The data are considered as secondary sources as they are taken from the BPR Sungai Puar database by classifying them into two analysis tools i ncluding discriminant analysis and logistic regression. Results-The results are presented in form of model and credit scoring perfection on PT BPR Sungai Puar Kabupaten Agam.