A PARAMETRIC APPROACH TO ASSESSING THE CREDITWORTHINESS FOR THE MOLDOVAN RURAL DEVELOPMENT NETWORK

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Anatol Racul (racul@rambler.ru) and Petru Tomiţa
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Agricultural Economics and Rural Development, 2015, vol. 12, issue 1, pages 45-60

Abstract: This paper tries to adapt to the conditions that describe the Moldovan rural development network and most importantly its banking system. The investigation has two main objectives: firstly, to present the current situation of the banking sector with respect to the Moldovan agriculture and to advocate for the implementation of statistical-based credit scoring models as a mean to make the loan granting process more efficient and secondly, to present two possible statistical-based models and their implementation on a Moldovan sample of data. The choice of these two models is grounded on the fact that, from the authors’ point of view, discriminant analysis and logistic regression analysis were the two models that were refined the most by a wide variety of scholars throughout the years.

Keywords: rural development; creditworthiness; Moldovan agriculture. (search for similar items in EconPapers)
JEL-codes: G32 Q14 (search for similar items in EconPapers)
Date: 2015
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