ANALYSIS OF FINANCING RISK USING CREDIT SCORING ON MICROFINANCE: A CASE STUDY IN X ISLAMIC BANK

Abstract

Credit scoring is a tool used to measure and predict the financing risk for the financing to be provided. An inaccurate scoring model will increase the financing risk. This study aims to examine the credit scoring used by X Islamic Bank, by using the logistic regression test. The results showed that from the 12 variables used, only 4 variables significantly affect the non performing financing and the R Square of the model is 2.3%.

Keywords

• Credit scoring
• financing risk
• Islamic bank
• microfinancing