[PDF] A Credit Score System for Socially Responsible Lending | Semantic Scholar (2024)

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@article{GutirrezNieto2016ACS, title={A Credit Score System for Socially Responsible Lending}, author={Bego{\~n}a Guti{\'e}rrez-Nieto and Carlos Serrano-Cinca and Juan Cam{\'o}n-Cala}, journal={Journal of Business Ethics}, year={2016}, volume={133}, pages={691-701}, url={https://api.semanticscholar.org/CorpusID:155730848}}
  • B. Gutiérrez-Nieto, C. Serrano-Cinca, Juan Camón-Cala
  • Published 1 February 2016
  • Economics, Business
  • Journal of Business Ethics

Ethical banking, microfinance institutions or certain credit cooperatives, among others, grant socially responsible loans. This paper presents a credit score system for them. The model evaluates social and financial aspects of the borrower. The financial aspects are evaluated under the conventional banking framework, by analysing accounting statements and financial projections. The social aspects try to quantify the loan impact on the achievement of Millennium Development Goals such as…

65 Citations

Highly Influential Citations

3

Background Citations

19

65 Citations

A multicriteria credit scoring model for SMEs using hybrid BWM and TOPSIS
    P. RoyK. Shaw

    Business, Economics

    Financial Innovation

  • 2021

Small- and medium-sized enterprises (SMEs) have a crucial influence on the economic development of every nation, but access to formal finance remains a barrier. Similarly, financial institutions…

  • 19
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What About the Social Efficiency in Credit Cooperatives? Evidence from Spain (2008–2014)
    Almudena Martínez-CampilloYolanda Fernández-Santos

    Economics, Business

    Social Indicators Research

  • 2016

Credit cooperatives are financial intermediaries that pay attention to social criteria. Thus, if such entities want to survive and thrive in the new international context, they cannot ignore their…

  • 1
What About the Social Efficiency in Credit Cooperatives? Evidence from Spain (2008–2014)
    Almudena Martínez-CampilloYolanda Fernández-Santos

    Economics, Business

  • 2017

Credit cooperatives are financial intermediaries that pay attention to social criteria. Thus, if such entities want to survive and thrive in the new international context, they cannot ignore their…

  • 21
Measuring Social Performance in Social Enterprises: A Global Study of Microfinance Institutions
    Leif Atle BeislandKwame Ohene DjanR. MerslandTrond Randøy

    Economics, Business

    Journal of Business Ethics

  • 2020

Social enterprises in the microfinance industry need to adhere to both financial and social demands. Critics argue that there is a mission drift away from the social mission, and this has motivated…

  • 2
Measuring Social Performance in Social Enterprises: A Global Study of Microfinance Institutions
    Leif Atle BeislandKwame Ohene DjanR. MerslandTrond Randøy

    Economics, Business

  • 2020

Social enterprises in the microfinance industry need to adhere to both financial and social demands. Critics argue that there is a mission drift away from the social mission, and this has motivated…

  • 42
Identifying Relevant Predictor Variables for a Credit Scoring Model using Compromised-Analytic Hierarchy Process (Compromised-AHP)
    Yosi Lizar EddyE. M. NazriNorazlina Mahat

    Business, Economics

    Journal of Advanced Research in Business and…

  • 2020

Developing an efficient credit scoring model to reduce the risk of personal-loan defaulters involves the selection of manageable reliable predictor variables in order to avoid the potential clients…

  • 3
Modelling a sustainable credit score system (SCSS) using BWM and fuzzy TOPSIS
    P. RoyK. Shaw

    Environmental Science, Business

    International Journal of Sustainable Development…

  • 2021

The next generation of decision-makers will have to think more strategically and strategically about how they spend their time and allocate their resources towards sustainable development.

  • 18
  • Highly Influenced
Analysis of default risk in microfinance institutions under the Basel III framework
    Maria Patricia Durango‐GutiérrezJuan Lara-RubioAndrés Navarro-Galera

    Economics, Business

  • 2021

International organizations such as OECD, WBG, IMF, UN and EU, as well as research studies, have highlighted the increasing contribution being made by microcredit finance institutions (MFIs) to…

  • 10
Which Sustainability Dimensions Affect Credit Risk? Evidence from Corporate and Country-Level Measures
    Lutfi Abdul RazakM. IbrahimAdam Ng

    Economics, Environmental Science

    Journal of Risk and Financial Management

  • 2020

Amid growing concern over sustainability issues, there is increasing demand to incorporate environmental and social issues into assessments of credit risk, the possibility of loss resulting from a…

INFLUENCE OF DEBT MANAGEMENT SYSTEMS ON FINANCIAL PERFORMANCE IN SELECTED MICRO FINANCE INSTITUTIONS IN TRANS-NZOIA COUNTY
    Zenah TarusChemesundeGichure Dr. JosephJomo Kenyatta

    Economics, Business

  • 2020

: The relationship between debt management routines and financial performance of MFIs in Kenya is facing challenges in relation to debt management systems that are affected by internal control…

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55 References

Social efficiency in microfinance institutions
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This paper tries to measure the efficiency of MFIs in relation to financial and social outputs using data envelopment analysis and adds two indicators of social performance: impact on women and a poverty reach index.

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Vive la Différence: Social Banks and Reciprocity in the Credit Market
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    Journal of Business Ethics

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Social banks are financial intermediaries paying attention to non-economic (i.e., social, ethical, and environmental) criteria. To investigate the behavior of social banks on the credit market, this…

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AHP approach in the credit evaluation of the manufacturing firms in Turkey
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    Economics, Business

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    Economics

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In the past decade, microfinance programs have demonstrated that it is possible to lend to low-income households while maintaining high repayment rates--even without requiring collateral. The…

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The Development of a Systematic, Aggregate Measure of Corporate Social Performance
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    Business, Economics

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This study proposes a methodology for the development of a systematic measure of CSP using the Analytic Hierarchy Process, a multi-criteria decision making technique that allows for the conversion of a multidimensional scale to a unidimensional Scale, enabling analysis/comparison of companies both within the same industry and across industries.

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Community Development Finance Institutions (CDFIs): Geographies of financial inclusion in the US and UK
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'I'm not in it for the money': Constructing and mediating ethical reconnections in UK social banking
    Martin Buttle

    Business, Sociology

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HOW DO CFOS MAKE CAPITAL BUDGETING AND CAPITAL STRUCTURE DECISIONS ? by
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e recently conducted a comprehensive survey that analyzed the current practice of corporate finance, with particular focus on the areas of capital budgeting and capital structure. The survey results…

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Ethical Investment of German Non-Profit Organzations - Conceptual Outline and Empirical Results
    Henry Schaefer

    Economics, Business

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Introduction: Non-profit organizations are generally seen as hybrid institutions between the market and the State. The term ‘non-profit’ can be misunderstood, however, as it is frequently interpreted…

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Rotating and accumulating savings and credit associations: A development perspective
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