— The credit rating model in this study was developed for credit foundations. Many banks and credit foundations use special software for credit demand ratings of customers. This software uses ratio analysis for generating credit solutions. Whereas, that will give effective results when "Financial Tables Analysis Technics" are used together. With financial tables analysis, comparative analyses, perpendicular analyses, ratio analyses, and cash trend tables can be analysisd separately, which results is a company being able to view current and future liquidity, profitability, strength of payment debit with comments on the generated results. Points were calculated for each analysis technique and a single credit score was achieved from all calculated points. After these procedures, a credit score was automatically calculated using the scoring model (SM) and process end with last decision to be comment according to SM scale.
— Financial analysis, evaluation of credit demands, creditability, scoring model.
M. A. Canbolat is with the Karamanoğlu Mehmetbey University, Department of Management and Organization, Karaman, Turkey (e-mail: email@example.com).
Ş. Sevim was with Dumlupınar University, Department of Accounting and Finance, Kütahya, Turkey (e-mail: firstname.lastname@example.org).
Cite: Mehmet Ali Canbolat and Şerafettin Sevim, " A Novel Software Model for Credit Requests Rating: Scoring Model," International Journal of Innovation, Management and Technology vol. 7, no. 1, pp. 22-26, 2016.