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Title:CREDIT RATING MODEL FOR RURAL BORROWERS
DOI No:10.1142/9781860948534_0027
Source:INNOVATIVE APPLICATIONS OF INFORMATION TECHNOLOGY FOR THE DEVELOPING WORLD (pp 185-196)
Author(s):S. S. SATCHIDANANDA
RAMESH B. PANIKAR
PRADEEP

Abstract:With the renewed focus of the Reserve Bank of India and Finance Ministry to the provision of Micro-credit in the Rural Sector and growing competition in terms of reach and financial spread, Banks and Financial Institutions have necessarily had to foray into providing Rural Credit. An effective Credit Rating System for the Rural Sector is the order of the day to ensure successful implementation in a risk free manner. This document offers a technology-based approach for such a Rating Model as well as implementation methodology.
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