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Construct of borrower identity and credit scoring : affordable housing segment
Dissertation (MBA)--University of Pretoria, 2012.
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| Format: | Thesis |
| Language: | English |
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University of Pretoria
2013
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| _version_ | 1867613472181714944 |
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| access_status_str | Open Access |
| author2 | Chipp, Kerry |
| author_browse | Chipp, Kerry |
| author_facet | Chipp, Kerry |
| collection | Thesis |
| dc_rights_str_mv | © 2012 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. |
| description | Dissertation (MBA)--University of Pretoria, 2012. |
| format | Thesis |
| id | oai:repository.up.ac.za:2263/31429 |
| institution | University of Pretoria (South Africa) |
| language | English |
| last_indexed | 2026-06-10T12:36:41.285Z |
| license_str | Other — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UPSpace — University of Pretoria Institutional Repository |
| publishDate | 2013 |
| publishDateRange | 2013 |
| publishDateSort | 2013 |
| publisher | University of Pretoria |
| publisherStr | University of Pretoria |
| record_format | dspace |
| source_str | UPSpace — University of Pretoria Institutional Repository |
| spelling | oai:repository.up.ac.za:2263/31429 Construct of borrower identity and credit scoring : affordable housing segment Chipp, Kerry ichelp@gibs.co.za De Winnaar, Charles Jacobus UCTD Debt to income Loan to value National credit regulator Repayment to income Thin payment profile Dissertation (MBA)--University of Pretoria, 2012. Credit scoring and risk analytic models have to an extent become purely analytical, faceless and completely inhumane.Borrowers are classified as a mere number or perhaps better said, a borrower’s worth has degenerated to that of derived risk scores.For banks credit application scoring provides a mechanism for managing risk and hence profits.From the quantitative study, it was established that imposed risk variables, had a negative selection outcome and provided grounds for arguing that there is a requirement for the further development of risk assessment scorecards that should be more informative and less exclusionary in terms of understanding of the affordable borrower market. These findings were further enforced by the qualitative interviews that were held with risk practitioners.As a consequence of imposed risk assumptions, it is argued that there are groups of borrowers that are intentionally and unintentionally excluded through credit scoring.Collectively these findings support the view that borrower identity is systematically fabricated on an on-going basis through the direct application of processes, systems and technologies as imposed by enterprise and credit scoring practitioners through risk assessment models.It was also argued that the future of application scorecard building would see more advanced or alternative variables being used which will give rise to a self-regulating borrower segment, less overtly disciplinary banks, and more pervasive credit bureau information and data constructs. Gordon Institute of Business Science Restricted 2013-09-09T12:15:20Z 2013-04-26 2013-09-09T12:15:20Z 2013-04-25 2012 2013-02-16 Dissertation De Winnaar, CJ 2012, Construct of borrower identity and credit scoring : affordable housing segment, MBA dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://upetd.up.ac.za/thesis/available/etd-02162013-143232/ > F13/4/147/zw http://hdl.handle.net/2263/31429 http://upetd.up.ac.za/thesis/available/etd-02162013-143232/ en © 2012 University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. application/pdf University of Pretoria |
| spellingShingle | UCTD Debt to income Loan to value National credit regulator Repayment to income Thin payment profile Construct of borrower identity and credit scoring : affordable housing segment |
| title | Construct of borrower identity and credit scoring : affordable housing segment |
| title_full | Construct of borrower identity and credit scoring : affordable housing segment |
| title_fullStr | Construct of borrower identity and credit scoring : affordable housing segment |
| title_full_unstemmed | Construct of borrower identity and credit scoring : affordable housing segment |
| title_short | Construct of borrower identity and credit scoring : affordable housing segment |
| title_sort | construct of borrower identity and credit scoring affordable housing segment |
| topic | UCTD Debt to income Loan to value National credit regulator Repayment to income Thin payment profile |
| url | http://hdl.handle.net/2263/31429 http://upetd.up.ac.za/thesis/available/etd-02162013-143232/ |