ANALISIS PENGGUNAAN CREDIT SCORING MODEL DALAM MENILAI KELAYAKAN CALON DEBITUR KREDIT PEMILIKAN RUMAH BANK TABUNGAN NEGARA (KPR-BTN) (Study kasus pada PT. Bank Tabungan Negara (Persero) Kantor Cabang Surabaya)
Daftar Isi:
- Credit scoring system has helped to produce a robust credit environment and increase access to home ownership tor thousand of consumers. This research observe all or variable used in the system scoring. The research want to know the default event and observe difference of ability to repay, willingnes to repay and collateral between borrowers non performing loan and borrowers performing loan, examination use Mann Whitney Methods. Credit scoring system can be automated, enabling lenders to make decisions more quickly, more efficiently, and fairer than judgmental lending, while safely managing their risk. This system help a bank to needs client satisfied. As we know above there are three point as reason why bank adopt the system. So them will become power for banking to compete with they competitor