Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios.
Tablas
- Autores:
-
Galeano Muñoz, Wilinton
- Tipo de recurso:
- Fecha de publicación:
- 2021
- Institución:
- Universidad Nacional de Colombia
- Repositorio:
- Universidad Nacional de Colombia
- Idioma:
- spa
- OAI Identifier:
- oai:repositorio.unal.edu.co:unal/80561
- Palabra clave:
- 500 - Ciencias naturales y matemáticas
Delphi method
Cluster analysis
Método Delphi
Análisis cluster
Riesgo (Finanzas)
Metodología Delphi
Scoring de crédito
Componentes principales
Análisis clúster
Delphi Methodology
Credit scoring
Main components
Cluster analysis
- Rights
- openAccess
- License
- Atribución-CompartirIgual 4.0 Internacional
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| dc.title.spa.fl_str_mv |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| dc.title.translated.eng.fl_str_mv |
Delphi methodology applied to the granting of credit for university students. |
| title |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| spellingShingle |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. 500 - Ciencias naturales y matemáticas Delphi method Cluster analysis Método Delphi Análisis cluster Riesgo (Finanzas) Metodología Delphi Scoring de crédito Componentes principales Análisis clúster Delphi Methodology Credit scoring Main components Cluster analysis |
| title_short |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| title_full |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| title_fullStr |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| title_full_unstemmed |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| title_sort |
Metodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios. |
| dc.creator.fl_str_mv |
Galeano Muñoz, Wilinton |
| dc.contributor.advisor.none.fl_str_mv |
Juan Carlos, Correa Morales |
| dc.contributor.author.none.fl_str_mv |
Galeano Muñoz, Wilinton |
| dc.subject.ddc.spa.fl_str_mv |
500 - Ciencias naturales y matemáticas |
| topic |
500 - Ciencias naturales y matemáticas Delphi method Cluster analysis Método Delphi Análisis cluster Riesgo (Finanzas) Metodología Delphi Scoring de crédito Componentes principales Análisis clúster Delphi Methodology Credit scoring Main components Cluster analysis |
| dc.subject.lemb.eng.fl_str_mv |
Delphi method Cluster analysis |
| dc.subject.lemb.spa.fl_str_mv |
Método Delphi Análisis cluster Riesgo (Finanzas) |
| dc.subject.proposal.spa.fl_str_mv |
Metodología Delphi Scoring de crédito Componentes principales Análisis clúster |
| dc.subject.proposal.eng.fl_str_mv |
Delphi Methodology Credit scoring Main components Cluster analysis |
| description |
Tablas |
| publishDate |
2021 |
| dc.date.accessioned.none.fl_str_mv |
2021-10-15T14:46:07Z |
| dc.date.available.none.fl_str_mv |
2021-10-15T14:46:07Z |
| dc.date.issued.none.fl_str_mv |
2021 |
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Trabajo de grado - Maestría |
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info:eu-repo/semantics/masterThesis |
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info:eu-repo/semantics/acceptedVersion |
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Text |
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http://purl.org/redcol/resource_type/TM |
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acceptedVersion |
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https://repositorio.unal.edu.co/handle/unal/80561 |
| dc.identifier.instname.spa.fl_str_mv |
Universidad Nacional de Colombia |
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Repositorio Institucional Universidad Nacional de Colombia |
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https://repositorio.unal.edu.co/ |
| url |
https://repositorio.unal.edu.co/handle/unal/80561 https://repositorio.unal.edu.co/ |
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Universidad Nacional de Colombia Repositorio Institucional Universidad Nacional de Colombia |
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spa |
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spa |
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Almenara, J. C., y Moro, A. I. (2014). Empleo del método delphi y su empleo en la investigación en comunicación y educación. EDUTEC. Revista electrónica de tecnología educativa (48), a272–a272. Anglin, G. J. (1995). Instructional technology: Past, present, and future. ERIC. Arango Correa, D. M., Colmenares Colmenares, L. J., Rave Contreras, I. C., y cols. (2018). Comparación entre el método tradicional y algunos basados en inteligencia artificial para el estudio del riesgo crediticio en instituciones financieras colombianas (Tesis Doctoral no publicada). Universidad EAFIT. Bader, P., McDonald, P., y Selby, P. (2009). An algorithm for tailoring pharmacotherapy for smoking cessation: results from a delphi panel of international experts. Tobacco control, 18 (1), 34–42. Basle Committee, B. S. (2004). International convergence of capital measurement and capital standards. Journal of Risk Finance A revised framework, Bank for International Settlement, Basel, Switzerland. Block, K. (2009). Credit card reform swipes easy plastic from college students. (may 26). USA Today. Borden, L. M., Lee, S.-A., Serido, J., y Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of family and economic issues, 29 (1), 23–40. Borrero-Tigreros, D., y Bedoya-Leiva, O. F. (2020). Predicción de riesgo crediticio en Colombia usando técnicas de inteligencia artificial. Revista UIS Ingenierías, 19 (4), 37–52. Boyes, W. J., Hoffman, D. L., y Low, S. A. (1989). An econometric analysis of the bank credit scoring problem. Journal of Econometrics, 40 (1), 3–14. Bridges, J. S. (1988). Sex differences in occupational performance expectations. Psychology of Women Quarterly, 12 (1), 75–90. Brill, J. M., Bishop, M., y Walker, A. E. (2006). The competencies and characteristics required of an effective project manager: A web-based delphi study. Educational technology research and development, 54 (2), 115–140. Brooks, K. W. (1979). Delphi technique: Expanding applications. North Central Association Quarterly, 53 (3), 377–85. Castro-González, K. C., Delgado-Ortiz, C., y Rodríguez-Madera, J. (2014). Uso y manejo del crédito en estudiantes universitarios. Revista Internacional, 7 (5), 51. Cheung, S. (1996). Provincial credit ratings in canada: An ordered probit analysis. Cimarelli, A. (2018). Creditrisk: Evaluation of credit risk with structural and reduced form models [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=CreditRisk (R package version 0.1.3) Cívico Morales, A. (2020). Aplicación del método delphi al sector bancario. Clauser, B. E., Subhiyah, R. G., Nungester, R. J., Ripkey, D. R., Clyman, S. G., y McKinley, D. (1995). Scoring a performance-based assessment by modeling the judgments of experts. Journal of Educational Measurement, 32 (4), 397–415. Custer, R. L., Scarcella, J. A., y Stewart, B. R. (1999). The modified delphi technique-a rotational modification. Cyphert, F. R., y Gant, W. L. (1971). The delphi technique: A case study. Phi Delta Kappa, 52 (5), 272–273. Dalkey, N. C. (1969). The delphi method: An experimental study of group opinion (Inf. T´ec.). RAND CORP SANTA MONICA CALIF. De Bock, K. W. (2018). Customerscoringmetrics: Evaluation metrics for customer scoring models depending on binary classifiers [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=CustomerScoringMetrics (R package version 1.0.0) Delbeq, A., Van de Ven, A., y Gustafson, D. H. (1975). Group techniques for program planning: A guide to nominal group and delphi processes. Glenview, USA: Scott, Foresman and Company, 124. Ehrhardt, A. (2020). Credit scoring tools: the ‘scoringtools‘ package [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=scoring (https://adimajo.github.io/scoringTools) Falkenstein, E. G., Boral, A., y Carty, L. V. (2000). Riskcalc for private companies: Moody’s default model. Available at SSRN 236011. Fitzgerald, L. F., y Crites, J. O. (1980). Toward a career psychology of women: What do we know? what do we need to know? Journal of Counseling Psychology, 27 (1), 44. for Economic Co-operation, O., y (OECD), D. (2010). Education at a glance 2010: Oecd indicators. OECD Paris. Gordy, M. B. (2000). A comparative anatomy of credit risk models. Journal of Banking & Finance, 24 (1-2), 119–149. Grau Álvarez, J. (2020). Machine learning y riesgo de crédito. Greene, W. (1998). Sample selection in credit-scoring models. Japan and the world economy, 10 (3), 299–316. Gutiérrez, M. (2007). Credit scoring models: what, how, when and for what purposes. Banco Central de la República Argentina. Munich Pesonal RePEc Archive. Octuber, 1–32. Gutiérrez J., M. T. P., Llorente, Pérez, y Sabiote, C. R. (2007). El uso del método delphi en la definición de los criterios para una formación de calidad en animación sociocultural y tiempo libre. Revista de investigación educativa, 25 (2), 351–366. Hand, D. J., y Henley, W. E. (1997). Statistical classification methods in consumer credit scoring: a review. Journal of the Royal Statistical Society: Series A (Statistics in Society), 160 (3), 523–541. Hayhoe, C., Leach, L. J., Allen, M., y Edwards, R. (2005). Credit cards held by college students. Journal of Financial Counseling and Planning, 16 (1). Hogan, E., Bryant, S., y Overymyer-Day, L. (2013). Relationships between college students’ credit card debt, undesirable academic behaviors and cognitions, and academic performance. College Student Journal, 47 (1), 102–112. Holub, T. (2002). Credit card usage and debt among college and university students. eric digest. Hsieh, Y. P., Hsieh, Y. W., Lin, C. C., Yeh, C. W., y Chang, S. C. (2012). A study on the formation of a measurement scale for the environmental quality of taiwan’s long-term care institutions by the delphi method. Journal of Housing and the Built Environment, 27 (2), 169–186. Jacobs, J. M. (1997). Essential assessment criteria for physical education teacher education programs: A delphi study. Jones, C. (2011). Students, the net generation, and digital natives. Deconstructing digital natives: Young people, technology, and the new literacies, 30–45. Jones, J. (2005). College students’ knowledge and use of credit. Journal of Financial Counseling and Planning, 16 (2). Joo, S.-h., Grable, J. E., y Bagwell, D. C. (2003). Credit card attitudes and behaviors of college students. College Student Journal, 37 (3), 405–420. Kerlinger, F. N. (1973). Foundations of behavioral research. Landeta, J. (1999). El método delphi: una técnica de previsión para la incertidumbre. Editorial Ariel, SA Barcelona. Linstone, H. A., Turoff, M., y cols. (1975). The delphi method. Addison-Wesley Reading, MA. Ludwig, B. (1997). Predicting the future: Have you considered using the delphi methodology. Journal of extension, 35 (5), 1–4. Lyons, A. C. (2004). A profile of financially at-risk college students. Journal of consumer affairs, 38 (1), 56–80. Lyons, A. C., y Hunt, J. (2003). The credit practices and financial education needs of community college students. Journal of Financial Counseling and Planning, 14 (2). Madaras-Kelly, K., Jones, M., Remington, R., Hill, N., Huttner, B., y Samore, M. (2014). Development of an antibiotic spectrum score based on veterans affairs culture and susceptibility data for the purpose of measuring antibiotic de-escalation: a modified delphi approach. Infection control and hospital epidemiology, 35 (9), 1103. Madruga Peláez, A., Alvarado Capó, Y., Sosa López, R., Santana Ching, I., y Mesa Rodríguez, J. R. (2019). Modelo de crecimiento y desarrollo de hortalizas en casas de cultivo mediante mapas cognitivos difusos. Revista Cubana de Ciencias Informáticas, 13 (2), 47–60. Navarro-Guzmán, C., y Casero-Martínez, A. (2012). Análisis de las diferencias de género en la elección de estudios universitarios. Nickell, P., Perraudin, W., y Varotto, S. (2000). Stability of rating transitions. Journal of Banking & Finance, 24 (1-2), 203–227. 52 5. Norvilitis, J. M., Merwin, M. M., Osberg, T. M., Roehling, P. V., Young, P., y Kamas, M. M. (2006). Personality factors, money attitudes, financial knowledge, and credit-card debt in college students 1. Journal of applied social psychology, 36 (6), 1395–1413. Paul, M., Nolan, J., y Smith-Hunter, A. (2017). Financially at risk: a look at college students. credit card usage. Journal of Higher Education Theory and Practice, 17 (5), 110–128. Pfeifer, G. (1968). Angeborene fehlbildungen des gesichtes, der kiefer und der mundh¨ohle. Handbuch der Kinderheilkunde, Bd IX. Springer, Berlin Heidelberg New York, 347– 400. Poddar, A. (2019). scorecardmodelutils: Credit scorecard modelling utils [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=scorecardModelUtils (R package version 0.0.1.0) Rabina, D. (2013). Reference materials in lis instruction: A delphi study. Journal of education for library and information science, 108–123. Robb, C. A., y Pinto, M. B. (2010). College students and credit card use: An analysis of financially at-risk students. College Student Journal, 44 (4), 823–835. Rovinelli, R. J., y Hambleton, R. K. (1977). On the use of content specialists in the assessment of criterion-referenced test item validity. Spearman, J., y Watt, H. (2013). Women’s aspirations towards “stem” careers: A motivational analysis. patton, w.(ed.) conceptualising women’s working lives. Career Development Series. Connecting Theory and Practice, 5. Srinivasan, V., y Kim, Y. H. (1987). Credit granting: A comparative analysis of classification procedures. The Journal of Finance, 42 (3), 665–681. Staten, M., y Barron, J. M. (2002). College student credit card usage. Credit Research Center, Working Paper, 65. Superintendencia Financiera de Colombia, S. (2014). Capitulo ii. circular externa 100 de 1995. Circular básica contable y financiera. Weaver, W. T. (1971). The delphi forecasting method. The Phi Delta Kappan, 52 (5), 267–271. Williams, G. J. (2011). Data mining with Rattle and R: The art of excavating data for knowledge discovery. Springer. Descargado de http://www.amazon.com/gp/product/1441998896/ref=asliqfspasint l?ie = UT F8tag = togaware − 20linkCode = as2camp = 217145creative = 399373creativeASIN = 1441998896. Wolstenholme, E., y Corben, D. (1994). A hypermedia-based delphi tool for knowledge acquisition in model building. Journal of the Operational Research Society, 45 (6), 659–672. |
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Atribución-CompartirIgual 4.0 Internacionalhttp://creativecommons.org/licenses/by-sa/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Juan Carlos, Correa Moralesc92cab7988ca4e0498983d0fe8c4202b600Galeano Muñoz, Wilinton136f88efd6f93fabfff04b932577948b2021-10-15T14:46:07Z2021-10-15T14:46:07Z2021https://repositorio.unal.edu.co/handle/unal/80561Universidad Nacional de ColombiaRepositorio Institucional Universidad Nacional de Colombiahttps://repositorio.unal.edu.co/TablasEl crédito es una fuente de financiación para adquirir bienes o servicios, que cada vez es más utilizada en todos los sectores económicos, especialmente por la facilidad de compra y por los mayores ingresos que generan, pero a su vez lleva inmerso el riesgo de no pago en todo su ciclo de vida. En este trabajo, se ahondará en el otorgamiento de crédito y en la recolección de información apelando al juicio del experto, que contribuyan en la definición de variables relevantes en el ejercicio de la valoración de riesgo, especialmente para los estudiantes universitarios que normalmente no son objeto de crédito teniendo en cuenta que en su mayoría son personas recién graduados del colegio, jóvenes y que aspiran a aplicar para su primer crédito. (Texto tomado de la fuente)Credit is a source of financing to acquire goods or services, which is increasingly used in all economic sectors, especially for the ease of and the higher income they generate, but in turn carries the risk of non-payment throughout its life cycle. In this work, it will deepen in the granting of credit and in the collection of information appealing to the expert’s opinion, that contribute to the definition of relevant variables in the exercise of risk assessment, especially for university students who are not normally subject to of credit considering that they are mostly recent graduates of the school, young people and who aspire to apply for their first credit.MaestríaMagíster en Ciencias - Estadísticaix, 52 páginasapplication/pdfspaUnivesidad Nacional de Colombia - Sede MedellínMedellín - Ciencias - Maestría en Ciencias - EstadísticaEscuela de estadísticaFacultad de CienciasMedellín, ColombiaUniversidad Nacional de Colombia - Sede Medellín500 - Ciencias naturales y matemáticasDelphi methodCluster analysisMétodo DelphiAnálisis clusterRiesgo (Finanzas)Metodología DelphiScoring de créditoComponentes principalesAnálisis clústerDelphi MethodologyCredit scoringMain componentsCluster analysisMetodología delphi aplicada al otorgamiento de crédito para estudiantes universitarios.Delphi methodology applied to the granting of credit for university students.Trabajo de grado - Maestríainfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/acceptedVersionTexthttp://purl.org/redcol/resource_type/TMAlmenara, J. C., y Moro, A. I. (2014). Empleo del método delphi y su empleo en la investigación en comunicación y educación. EDUTEC. Revista electrónica de tecnología educativa (48), a272–a272.Anglin, G. J. (1995). Instructional technology: Past, present, and future. ERIC.Arango Correa, D. M., Colmenares Colmenares, L. J., Rave Contreras, I. C., y cols. (2018). Comparación entre el método tradicional y algunos basados en inteligencia artificial para el estudio del riesgo crediticio en instituciones financieras colombianas (Tesis Doctoral no publicada). Universidad EAFIT.Bader, P., McDonald, P., y Selby, P. (2009). An algorithm for tailoring pharmacotherapy for smoking cessation: results from a delphi panel of international experts. Tobacco control, 18 (1), 34–42.Basle Committee, B. S. (2004). International convergence of capital measurement and capital standards. Journal of Risk Finance A revised framework, Bank for International Settlement, Basel, Switzerland.Block, K. (2009). Credit card reform swipes easy plastic from college students. (may 26). USA Today.Borden, L. M., Lee, S.-A., Serido, J., y Collins, D. (2008). Changing college students’ financial knowledge, attitudes, and behavior through seminar participation. Journal of family and economic issues, 29 (1), 23–40.Borrero-Tigreros, D., y Bedoya-Leiva, O. F. (2020). Predicción de riesgo crediticio en Colombia usando técnicas de inteligencia artificial. Revista UIS Ingenierías, 19 (4), 37–52.Boyes, W. J., Hoffman, D. L., y Low, S. A. (1989). An econometric analysis of the bank credit scoring problem. Journal of Econometrics, 40 (1), 3–14.Bridges, J. S. (1988). Sex differences in occupational performance expectations. Psychology of Women Quarterly, 12 (1), 75–90.Brill, J. M., Bishop, M., y Walker, A. E. (2006). The competencies and characteristics required of an effective project manager: A web-based delphi study. Educational technology research and development, 54 (2), 115–140.Brooks, K. W. (1979). Delphi technique: Expanding applications. North Central Association Quarterly, 53 (3), 377–85.Castro-González, K. C., Delgado-Ortiz, C., y Rodríguez-Madera, J. (2014). Uso y manejo del crédito en estudiantes universitarios. Revista Internacional, 7 (5), 51.Cheung, S. (1996). Provincial credit ratings in canada: An ordered probit analysis.Cimarelli, A. (2018). Creditrisk: Evaluation of credit risk with structural and reduced form models [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=CreditRisk (R package version 0.1.3)Cívico Morales, A. (2020). Aplicación del método delphi al sector bancario.Clauser, B. E., Subhiyah, R. G., Nungester, R. J., Ripkey, D. R., Clyman, S. G., y McKinley, D. (1995). Scoring a performance-based assessment by modeling the judgments of experts. Journal of Educational Measurement, 32 (4), 397–415.Custer, R. L., Scarcella, J. A., y Stewart, B. R. (1999). The modified delphi technique-a rotational modification.Cyphert, F. R., y Gant, W. L. (1971). The delphi technique: A case study. Phi Delta Kappa, 52 (5), 272–273.Dalkey, N. C. (1969). The delphi method: An experimental study of group opinion (Inf. T´ec.). RAND CORP SANTA MONICA CALIF.De Bock, K. W. (2018). Customerscoringmetrics: Evaluation metrics for customer scoring models depending on binary classifiers [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=CustomerScoringMetrics (R package version 1.0.0)Delbeq, A., Van de Ven, A., y Gustafson, D. H. (1975). Group techniques for program planning: A guide to nominal group and delphi processes. Glenview, USA: Scott, Foresman and Company, 124.Ehrhardt, A. (2020). Credit scoring tools: the ‘scoringtools‘ package [Manual de software informático]. Descargado de https://CRAN.R-project.org/package=scoring (https://adimajo.github.io/scoringTools)Falkenstein, E. G., Boral, A., y Carty, L. V. (2000). Riskcalc for private companies: Moody’s default model. Available at SSRN 236011.Fitzgerald, L. F., y Crites, J. O. (1980). Toward a career psychology of women: What do we know? what do we need to know? Journal of Counseling Psychology, 27 (1), 44.for Economic Co-operation, O., y (OECD), D. (2010). Education at a glance 2010: Oecd indicators. OECD Paris.Gordy, M. B. (2000). A comparative anatomy of credit risk models. Journal of Banking & Finance, 24 (1-2), 119–149.Grau Álvarez, J. (2020). Machine learning y riesgo de crédito.Greene, W. (1998). Sample selection in credit-scoring models. Japan and the world economy, 10 (3), 299–316.Gutiérrez, M. (2007). Credit scoring models: what, how, when and for what purposes. Banco Central de la República Argentina. Munich Pesonal RePEc Archive. Octuber, 1–32.Gutiérrez J., M. T. P., Llorente, Pérez, y Sabiote, C. R. (2007). El uso del método delphi en la definición de los criterios para una formación de calidad en animación sociocultural y tiempo libre. Revista de investigación educativa, 25 (2), 351–366.Hand, D. J., y Henley, W. E. (1997). Statistical classification methods in consumer credit scoring: a review. Journal of the Royal Statistical Society: Series A (Statistics in Society), 160 (3), 523–541.Hayhoe, C., Leach, L. J., Allen, M., y Edwards, R. (2005). Credit cards held by college students. Journal of Financial Counseling and Planning, 16 (1).Hogan, E., Bryant, S., y Overymyer-Day, L. (2013). Relationships between college students’ credit card debt, undesirable academic behaviors and cognitions, and academic performance. College Student Journal, 47 (1), 102–112.Holub, T. (2002). Credit card usage and debt among college and university students. eric digest.Hsieh, Y. P., Hsieh, Y. W., Lin, C. C., Yeh, C. W., y Chang, S. C. (2012). A study on the formation of a measurement scale for the environmental quality of taiwan’s long-term care institutions by the delphi method. 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Journal of the Operational Research Society, 45 (6), 659–672.AdministradoresEstudiantesInvestigadoresMaestrosProveedores de ayuda financiera para estudiantesPúblico generalORIGINAL8028417.2021.pdf8028417.2021.pdfTesis Maestría en Ciencias - Estadísticaapplication/pdf631454https://repositorio.unal.edu.co/bitstream/unal/80561/5/8028417.2021.pdfcdad7d7784ead83b09b9e60b6f16070fMD55LICENSElicense.txtlicense.txttext/plain; charset=utf-83964https://repositorio.unal.edu.co/bitstream/unal/80561/3/license.txtcccfe52f796b7c63423298c2d3365fc6MD53THUMBNAIL8028417.2021.pdf.jpg8028417.2021.pdf.jpgGenerated Thumbnailimage/jpeg4252https://repositorio.unal.edu.co/bitstream/unal/80561/6/8028417.2021.pdf.jpgbf003abe73527b96d0ee3704cace90c4MD56unal/80561oai:repositorio.unal.edu.co:unal/805612023-07-30 23:03:46.257Repositorio Institucional Universidad Nacional de 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