Creditworthiness Decision

After processing all available input information, the Credirworthiness Tool recommends a decision whether to accept or reject a particular credit application.

The final decision is presented as Degree of Creditworthiness general ratio. If this ratio exceeds 50%, the decision is Yes. If it is below 50%, the decision is No. To assure accurateness of calculations, the software also calculates values of Standard Deviation (a statistical error) and Risk of Wrong Decision (in percent).

Decision making process is illustrated with the Decision Tree that shows influence of each criterion upon the final conclusion.

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