Original Articles

A note on failure prediction models as aids to the credit evaluation procedure in a South African Commercial Bank

Published in: De Ratione
Volume 8 , issue 1, pages: 36–43
DOI: 10.1080/10108270.1994.11435045
Author(s): G.A. GarbersSenior lending officer, Standard Bank Cape Town, , E.O. UlianaProfessor of Accounting, ,

Abstract

Errors by bank lending officers in assessing a loan application are costly to the bank. The literature suggests that the credit evaluation process can be enhanced by the use of failure prediction models.

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