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Credit scoring for the supermarket and retailing industry: analysis and application proposal

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dc.contributor.author Manini, Raffaele
dc.contributor.author Amat Salas, Oriol
dc.date.accessioned 2022-10-17T06:14:15Z
dc.date.available 2022-10-17T06:14:15Z
dc.date.issued 2017
dc.identifier.citation Manini R, Amat O. Credit scoring for the supermarket and retailing industry: analysis and application proposal. EAMR. 2017 Nov;4(1):75-88. DOI: 10.26595/eamr.2014.4.1.4
dc.identifier.issn 2385-3921
dc.identifier.uri http://hdl.handle.net/10230/54409
dc.description.abstract This paper develops and tests a credit scoring model focused on the supermarket and retailing industry which can help financial institutions in assessing credit requests coming from customers belonging to these industries category. The empirical study has the objective of answering two questions: (1) Which ratios better discriminate the companies based on their being solvent or insolvent? (2) What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been applied. The overall approach is the same as the one in Altman (1968), but the application of the design as well as the purpose of it are different. Through the application of several statistical techniques, the credit scoring model has been proved to be effective in assessing credit scoring applications within the supermarket and retailing industry under certain conditions.
dc.format.mimetype application/pdf
dc.language.iso eng
dc.publisher Catalan Association of Accounting and Management
dc.relation.ispartof European Accounting and Management Review. 2017 Nov;4(1):75-88
dc.rights European Accounting and Management Review works with a Creative Commons Attribution-NonCommercial 4.0 International Public License, to ensure free access to content but not for commercial use.
dc.rights.uri http://creativecommons.org/licenses/by-nc/4.0/
dc.title Credit scoring for the supermarket and retailing industry: analysis and application proposal
dc.type info:eu-repo/semantics/article
dc.identifier.doi http://dx.doi.org/10.26595/eamr.2014.4.1.4
dc.subject.keyword Credit scoring
dc.subject.keyword Supermarket and retailing industry
dc.rights.accessRights info:eu-repo/semantics/openAccess
dc.type.version info:eu-repo/semantics/publishedVersion

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