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Theoretical and Applied Economics
No. 9 / 2010 (550)

Building a Scoring Model for Small and Medium Enterprises

Răzvan Constantin CARACOTA
Bucharest Academy of Economic Studies
Maria DIMITRIU
Bucharest Academy of Economic Studies
Maria-Ramona DINU
„Politehnica” University of Bucharest

Abstract. The purpose of the paper is to produce a scoring model for small and medium enterprises seeking financing through a bank loan. To analyze the loan application, scoring system developed for companies is as follows: scoring quantitative factors and scoring qualitative factors. We have estimated the probability of default using logistic regression. Regression coefficients determination was made with a solver in Excel using five ratios as input data. Analyses and simulations were conducted on a sample of 113 companies, all accepted for funding. Based on financial information obtained over two years, 2007 and 2008, we could establishe and appreciate the default value.

Keywords: scoring; small and medium enterprises; credit risk management; banking system; logistic regression.

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