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dc.contributor.advisorVanti, Adolfo Alberto
dc.contributor.authorJantsch, Leonardo
dc.date.accessioned2017-05-29T11:43:19Z
dc.date.accessioned2022-09-22T19:25:15Z
dc.date.available2017-05-29T11:43:19Z
dc.date.available2022-09-22T19:25:15Z
dc.date.issued2017-02-22
dc.identifier.urihttps://hdl.handle.net/20.500.12032/60676
dc.description.abstractThe objective of this study was to measure the probability of late payment and subsequent delinquency as a measure of credit risk analysis and support decision making in credit card loans to individuals in a commercial financial institution. As a research method, Design Science Research was the basis for the prescription of solutions and the construction of artifacts, and the analyzes were carried out using Markov chains. The results show that individuals behave differently in terms of the use and maintenance of the portfolios, which allows to assign characteristics of the users of higher risk to the attributes selected in this study. The main contribution of this work is to show that the process of prior understanding, contemplating the survey of business requirements, data requirements, data processing, modeling, evaluation and implementation, can become a success factor when defining and applying of the profile analyzes through the Markov chains.en
dc.description.sponsorshipNenhumapt_BR
dc.languagept_BRpt_BR
dc.publisherUniversidade do Vale do Rio dos Sinospt_BR
dc.rightsopenAccesspt_BR
dc.subjectCartão de créditopt_BR
dc.subjectCredit carden
dc.titleAnálise do risco de crédito no uso do cartão de créditopt_BR
dc.typeDissertaçãopt_BR


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