Factors in Credit Decision-making and Related Research Gaps in Indonesia: A Literature Review

• Main Authors: Pinandita, D.S., Arini, H.M., Hartono, B., Wibowo, B.S.
• Format: Conference or Workshop Item PeerReviewed
• Language: English
• Published: 2022
• Subjects: Engineering; Industrial Engineering
• Online Access: https://repository.ugm.ac.id/279189/1/Pinandita_TK.pdf; https://repository.ugm.ac.id/279189/; https://www.scopus.com/record/display.uri?eid=2-s2.0-85146339270&doi=10.1109%2fIEEM55944.2022.9989677&origin=inward&txGid=6cd4e6965226210d54b6314f3f923ca7
• Institution: Universitas Gadjah Mada

For wholesale and Small Medium Enterprise (SME) segments, the credit decision-making process in banking mainly uses a human approach. Although there is already automation in determining the credit system at the bank, the human side still dominates the final decisions. An analyst from the bank needs...