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:: Volume 8, Issue 2 (spring 2013) ::
J. Mon. Ec. 2013, 8(2): 125-162 Back to browse issues page
The New Method for Credit Customer Selecting by Integration of A2 and Data Envelopment Analysis (A2_DEA)
Tahereh Aliheidari Bioki 1, Hasan Khademi Zare2, Ali Hasanzadeh3
1- Department of Economics, Yazd Science and Research Branch, Islamic Azad University
2- Department of Industrial Engineering, Yazd University
Abstract:   (3300 Views)

This paper develops a decision support tool using an A2 method and data envelopment analysis (DEA) approach (A2-DEA). This new method is applied for the bank credit customer selection problem and credit scoring as a pilot survey at Export Development Bank of Iran. The proposed method has led to fewer calculations, faster and more accurate decision making, less complexity, and ability to analyze many scenarios with only one or a few judgments of decision makers while the effect of the subjective opinion of one single decision maker will be avoided. This proposed method is compared with adaptive analytical hierarchy process approach, which is suggested by Lin et al., in 2008, and it is named A3. An illustrative example demonstrates the implementation of the proposed approach. This example demonstrates how this approach can avoid the main drawback of the current method, and more importantly, can deal with the credit customer selection more convincingly and persuasively. The implementation results show that this method is significantly valid for ranking credit customers. Comparison of methods shows that although A3 have benefits, it also suffers from limitations, which can be avoided by the A2-DEA model, also improves the time and cost needed for implementing in comparison.

JEL Classification: C21, C22, C51, G21, G23

Received: 4/29/2014                         Approved: 6/30/2014

Keywords: A2 method, Data envelopment analysis, Credit customer selection
Full-Text [PDF 681 kb]   (1189 Downloads)    
Type of Study: Research | Subject: Economics
Received: 2014/10/1 | Accepted: 2014/10/1 | Published: 2014/10/1
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Aliheidari Bioki T, Khademi Zare H, Hasanzadeh A. The New Method for Credit Customer Selecting by Integration of A2 and Data Envelopment Analysis (A2_DEA). J. Mon. Ec.. 2013; 8 (2) :125-162
URL: http://jme.mbri.ac.ir/article-1-94-en.html

Volume 8, Issue 2 (spring 2013) Back to browse issues page
Journal of Money and Economy Journal of Money And Economy
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