Aufsatz(elektronisch)#11. Januar 2016
Financial Companies Regulated of Multiple Purpose in Mexico; an Alternative Model to Manage the Probability of Default of Revolving Loans
In: Investigación administrativa, Band 45-1, S. 1-23
ISSN: 2448-7678
This research suggests a particular probability of default model to
Microfinances Regulated in Mexico (SOFOM ER), based on the use of own mixed
variables (continuous and dichotomous) according to the credit behavior and the
optimization by maximum likelihood. Financial indicators such as savings, assets and
profits were used nationwide to reaffirm an implementation of new and more profitable
model in the sector of Mexico, indicating a yield of about 4% with the optimized credit
model. Within the limitations of the research lies the lack of robust information and
free consultation, due to bank secrecy in Mexico.