Managing Operational Risk Related to Microfinance Lending Process using Fuzzy Inference System based on the FMEA Method: Moroccan Case Study
| Autor: | Youssef Lamrani Alaoui, Mohamed Tkiouat |
|---|---|
| Rok vydání: | 2017 |
| Předmět: |
Computer science
Process (engineering) 02 engineering and technology lcsh:Business Customer relationship management law.invention Operational risk FMEA method Fuzzy inference system law 0502 economics and business 0202 electrical engineering electronic engineering information engineering fuzzy logic inference system G32 Microfinance operational risk management business.industry 05 social sciences microfinance lending process General Business Management and Accounting Risk analysis (engineering) Business analysis C02 G21 020201 artificial intelligence & image processing lcsh:HF5001-6182 business General Economics Econometrics and Finance Failure mode and effects analysis Operational risk management 050203 business & management |
| Zdroj: | Scientific Annals of Economics and Business, Vol 64, Iss 4, Pp 459-471 (2017) |
| ISSN: | 2501-3165 |
| DOI: | 10.1515/saeb-2017-0029 |
| Popis: | Managing operational risk efficiently is a critical factor of microfinance institutions (MFIs) to get a financial and social return. The purpose of this paper is to identify, assess and prioritize the root causes of failure within the microfinance lending process (MLP) especially in Moroccan microfinance institutions. Considering the limitation of traditional failure mode and effect analysis (FMEA) method in assessing and classifying risks, the methodology adopted in this study focuses on developing a fuzzy logic inference system (FLIS) based on (FMEA). This approach can take into account the subjectivity of risk indicators and the insufficiency of statistical data. The results show that the Moroccan MFIs need to focus more on customer relationship management and give more importance to their staff training, to clients screening as well as to their business analysis. |
| Databáze: | OpenAIRE |
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