CASPIAN JOURNAL
MANAGEMENT AND HIGH TECHNOLOGIES
LOAN DECISION-MAKING TECHNIQUE IN MICROFINANCE ORGANIZATIONS AND ITS PROGRAM IMPLEMENTATION
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Read | Kuznetsova Valentina Yu., Azhmukhamedov Iskandar M. LOAN DECISION-MAKING TECHNIQUE IN MICROFINANCE ORGANIZATIONS AND ITS PROGRAM IMPLEMENTATION // Caspian journal : management and high technologies. — 2020. — №3. — pp. 32-39. |
Kuznetsova Valentina Yu. - Astrakhan State University, arhelia@bk.ru
Azhmukhamedov Iskandar M. - Astrakhan State University, aim_agtu@mail.ru
The widespread introduction and intensive growth of information technologies are transforming all areas of financial services, including the Russian microfinance market, which shows steady growth every year. At the same time, with an increase in the number of clients applying for credit services, including remotely, the number of overdue and unpaid loans is growing, which indicates the need to revise the approaches to building scoring systems for microfinance organizations operating in offline and online modes. The methodology for making a decision on the issuance of microloans and its program implementation proposed in this article is based on the classification of borrowers by the level of financial responsibility and the profitability of their service in terms of the return on equity of microfinance organizations. Software implementation, in turn, is a set of software products, each of which solves a local problem - building a profile of an offline borrower, building a profile of an online borrower, defining a borrower's category and making a decision on microcredit.
Key words: fuzzy logic, decision making, precedent approach