2026-04-14T02:45:05Zhttps://recercat.cat/oai/request

oai:recercat.cat:10230/447402025-12-18T01:48:46Zcom_2072_6col_2072_452953

00925njm 22002777a 4500 dc Manini, Raffaele author Amat Salas, Oriol author 2020-05-25T09:26:59Z 2020-05-25T09:26:59Z 2018-01-01 2020-05-25T09:25:39Z Abstract: This paper develops and tests a credit scoring model focused on the supermarket and retailing industry which can help financial institutions in assessing credit requests coming from customers belonging to these industries category. The empirical study has the objective of answering two questions: (1) Which ratios better discriminate the companies based on their being solvent or insolvent? (2) What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been applied. The overall approach is the same as the one in Altman (1968), but the application of the design as well as the purpose of it are different. Through the application of several statistical techniques, the credit scoring model has been proved to be effective in assessing credit scoring applications within the super-market and retailing industry under certain conditions. credit scoring supermarket industry retail industry bank analysis. Finance and Accounting Credit scoring for the supermarket and retailing industry: analysis and application proposal