A RESEARCH ON USE OF CREDIT SCORING MODELS IN SMALL BUSINESS LENDING DECISIONS

The aim of this research is to disclose the criterias that are used in banks’ credit scoring systems for small business lending decisions and to remove information asymetry for small businesses in fund raising process from financial intermediaries. In this context, interviews are conducted with bank branch managers and credit portfolio managers in Burdur City that are selected by purposeful sampling. Data that is gathered by interviews is analyzed through descriptive analysis. The results are presented under the titles of 5C (Character, Capacity, Capital, Conditions and Colleteral) of credit. According to results, suggestions for academy, small business and regulators are presented