An Analysis of Factors Affecting Credit Scoring Performance in SMEs
| dc.contributor.author | Ebru Saygili | |
| dc.contributor.author | Arikan Tarik Saygili | |
| dc.contributor.author | Gokhan Isik | |
| dc.contributor.author | Isik, Gokhan | |
| dc.contributor.author | Saygili, Arikan Tarik | |
| dc.contributor.author | Saygili, Ebru | |
| dc.contributor.author | Esendemirli, Ebru | |
| dc.date | APR | |
| dc.date.accessioned | 2025-10-06T16:21:00Z | |
| dc.date.issued | 2019 | |
| dc.description.abstract | In small and medium enterprises (SMEs) both financial and non-financial indicators related to the company and the large shareholder have significant effects on credit scores. This study explores the hybrid nature of SME credit scoring systems by developing an SME credit scoring model with general indicators financial indicators and intelligence indicators related to the company and the major shareholder. This study is the first to explore the effect of intelligence indicators in credit scoring. It used regression analysis to evaluate real data from 125 SMEs operating in Turkey. Of 17 independent variables 9 had statistically significant relationships with SME credit scores. The paper includes a comprehensive discussion of the implications of these findings. | |
| dc.identifier.doi | 10.21121/eab.526093 | |
| dc.identifier.issn | 1303-099X | |
| dc.identifier.issn | 2651-3021 | |
| dc.identifier.uri | http://dx.doi.org/10.21121/eab.526093 | |
| dc.identifier.uri | https://gcris.yasar.edu.tr/handle/123456789/6655 | |
| dc.identifier.uri | https://search.trdizin.gov.tr/en/yayin/detay/388183 | |
| dc.identifier.uri | https://doi.org/10.21121/eab.526093 | |
| dc.language.iso | English | |
| dc.publisher | EGE UNIV FAC ECONOMICS & ADMIN SCIENCES | |
| dc.relation.ispartof | Ege Akademik Bakis (Ege Academic Review) | |
| dc.rights | info:eu-repo/semantics/openAccess | |
| dc.source | EGE ACADEMIC REVIEW | |
| dc.subject | Credit Scoring, Small and Medium Enterprises (SMEs), Multiple Regression, Intelligence Indicators | |
| dc.subject | RISK | |
| dc.subject | Intelligence Indicators | |
| dc.subject | Small and Medium Enterprises (SMEs) | |
| dc.subject | Multiple Regression | |
| dc.subject | İşletme | |
| dc.subject | Credit Scoring | |
| dc.subject | İktisat | |
| dc.title | An Analysis of Factors Affecting Credit Scoring Performance in SMEs | |
| dc.type | Article | |
| dspace.entity.type | Publication | |
| gdc.author.id | 0000-0002-0458-8740 | |
| gdc.author.id | 0000-0002-2013-1695 | |
| gdc.author.id | 0000-0001-9641-6219 | |
| gdc.author.wosid | esendemirli, ebru/HOC-6007-2023 | |
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| gdc.description.department | ||
| gdc.description.departmenttemp | [Saygili, Ebru] Yasar Univ, Dept Int Trade & Finance, Izmir, Turkey; [Saygili, Arikan Tarik] Izmir Univ Econ, Dept Business, Izmir, Turkey; [Isik, Gokhan] Yasar Univ, Grad Sch Social Sci, Izmir, Turkey | |
| gdc.description.endpage | 171 | |
| gdc.description.issue | 2 | |
| gdc.description.publicationcategory | Makale - Uluslararası Hakemli Dergi - Kurum Öğretim Elemanı | |
| gdc.description.startpage | 159 | |
| gdc.description.volume | 19 | |
| gdc.description.woscitationindex | Emerging Sources Citation Index | |
| gdc.identifier.openalex | W2952213783 | |
| gdc.identifier.trdizinid | 388183 | |
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| gdc.oaire.keywords | İşletme | |
| gdc.oaire.keywords | Credit Scoring;Small and Medium Enterprises (SMEs);Multiple Regression | |
| gdc.oaire.keywords | Business Administration | |
| gdc.oaire.popularity | 1.8421575E-9 | |
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| gdc.oaire.sciencefields | 0202 electrical engineering, electronic engineering, information engineering | |
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| gdc.virtual.author | Saygili, Ebru | |
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