Abstract

MEDINA HURTADO, SANTIAGO  and  PANIAGUA GOMEZ, GISELA. FUZZY INFERENCE SYSTEMS TO CREDITWORTHINESS ANALYSIS. Dyna rev.fac.nac.minas [online]. 2008, vol.75, n.154, pp.215-229. ISSN 0012-7353.

The work presents the study made in a cooperative of financial services, for which a Fuzzy Inference System is used, with the purpose of evaluating the solvency of those associated of the cooperative credit applicants. In order to develop the model, we used the data base of the associate of the cooperative and the opinion of experts. From the data base information was extracted on the amount of the granted credit, term, guarantees, social contribution, and historical credit of the clients, to use them in the development of Model, which part to define the relations between the entrance and exit variables with the help of the expert’s criterion. The previous thing allows defining the knowledge base that represents on one hand, the understanding that the experts have of the phenomenon and by another one, its systems of reasoning. This way a model is obtained that considers all the information in the process of credit evaluation under one more objective perspective with the purpose of diminishing in this way the operative risk in granting the credit.

Keywords : Creditworthiness analysis; Fuzzy Inference Systems.

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