The Application of the Binary Logistic Model: A Case of Joint Stock Commercial Bank for Investment and Development of Vietnam (Bidv) in Vinh Long Province

Abstract

This study aims to estimate the factors affecting the probability of repayment of individual customers, corporate customers at BIDV in Vinh Long province. The sample data includes 403 individual customers and 160 corporate customers who selected from the BIDV’s customer data set. The regression analysis results tested seven factors affecting the probability of debt repayment of individual customers with significance level 0.10 from 9 factors proposed. Besides, five factors affecting the probability of debt repayment of corporate customers with significance level 0.05 from 8 factors proposed.

Keywords: BIDV, Binary logistic model, Customers, Debt, HVUH.


Article Review Status: Published

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