DETERMINATION OF VARIABLES IN CALCULATION OF CREDIT SCORE IN TURKEY TO DECREASE DEFAULT RISK

In recent years, because the credit demand has increased rapidly, the necessity of correctly management of credit risk has become more important. So, banks need to take a lot of precautions about monitoring and collection of loans. Since the credit needs are directly related to consumption, by using Household Budget Survey performed by Turkish Statistical Institute, variables are analysed which affects household consumption and customer’s default risk. Also lojistik regression model is given by using these variables.