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Predictive Accuracy of Judgmental vs Statistical Approaches to Bank Loan Appraisal: Empirical Evidence from Nigeria

Ademola Ariyo (Senior Lecturer, Department of Economics, University of Ibadan)
Emmanuel Kayode Abegunde (Manager, Union Bank of Nigeria Limited, Lagos, Nigeria.)

Managerial Finance

ISSN: 0307-4358

Article publication date: 1 June 1992

Abstract

There has been a general concern about the alarming rate of loan default, resulting in a large number of bad and doubtful accounts, in the Nigerian banking industry. To stem this undesirable trend, some observers have advocated the employment of statistical models to enhance the objectivity and, hence, the predictive accuracy of banker's loan decisions.

Citation

Ariyo, A. and Kayode Abegunde, E. (1992), "Predictive Accuracy of Judgmental vs Statistical Approaches to Bank Loan Appraisal: Empirical Evidence from Nigeria", Managerial Finance, Vol. 18 No. 6, pp. 4-14. https://doi.org/10.1108/eb013695

Publisher

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MCB UP Ltd

Copyright © 1992, MCB UP Limited