{"id":6035,"date":"2026-02-22T15:45:04","date_gmt":"2026-02-22T15:45:04","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=6035"},"modified":"2026-09-22T15:47:46","modified_gmt":"2026-09-22T15:47:46","slug":"improving-the-scoring-methodology-for-assessing-the-creditworthiness-of-bank-customers","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=6035","title":{"rendered":"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS"},"content":{"rendered":"<p><strong><em>Nabiev U.B<\/em><\/strong><em><br \/>\nIndependent Researcher, Department of Banking,<\/em><\/p>\n<p><em>Tashkent State University of Economics<\/em><\/p>\n<p><em>ORCID:<\/em><em>0009-0004-5038-9840<\/em><\/p>\n<h3><em>Abstract<\/em><em>. <\/em><strong><em>This article examines the transformation of the system for assessing the creditworthiness of bank customers and the improvement of credit risk management in commercial banks. The study analyzes the systematic limitations of assessing creditworthiness solely on the basis of financial (quantitative) indicators and substantiates the need to integrate non-financial (qualitative) factors into the assessment process. As part of the study, an integrated scoring model for assessing creditworthiness (CRI), based on a 100-point system and incorporating both quantitative and qualitative indicators, as well as a corresponding rating scale, was developed. The practical significance of the proposed model for retail and<\/em> <em>corporate lending portfolios and its expected economic efficiency were empirically analyzed.<\/em><\/strong><\/h3>\n<p><strong><em>Keywords:<\/em><\/strong><em> creditworthiness, quantitative indicators, qualitative indicators, integrated rating, scoring assessment, commercial banks, non-performing loans (NPLs), risk management.<\/em><\/p>\n<p><em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nabiev U.B Independent Researcher, Department of Banking, Tashkent State University of Economics ORCID:0009-0004-5038-9840 Abstract. This article examines the transformation of the system for assessing the creditworthiness of bank customers and the improvement of credit risk management in commercial banks. The <a href=\"https:\/\/interfinance.tsue.uz\/?p=6035\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[73],"tags":[],"class_list":["post-6035","post","type-post","status-publish","format-standard","hentry","category-2026-1-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS - Journal of International Finance and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/interfinance.tsue.uz\/?p=6035\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Nabiev U.B Independent Researcher, Department of Banking, Tashkent State University of Economics ORCID:0009-0004-5038-9840 Abstract. This article examines the transformation of the system for assessing the creditworthiness of bank customers and the improvement of credit risk management in commercial banks. The Read More ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/interfinance.tsue.uz\/?p=6035\" \/>\n<meta property=\"og:site_name\" content=\"Journal of International Finance and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-22T15:45:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-22T15:47:46+00:00\" \/>\n<meta name=\"author\" content=\"jurnal-admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jurnal-admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035\"},\"author\":{\"name\":\"jurnal-admin\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\"},\"headline\":\"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS\",\"datePublished\":\"2026-02-22T15:45:04+00:00\",\"dateModified\":\"2026-09-22T15:47:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035\"},\"wordCount\":180,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"articleSection\":[\"2026-1-issue-1-6\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035\",\"name\":\"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS - Journal of International Finance and Accounting\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\"},\"datePublished\":\"2026-02-22T15:45:04+00:00\",\"dateModified\":\"2026-09-22T15:47:46+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=6035#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\",\"name\":\"Journal of International Finance and Accounting\",\"description\":\"Tashkent State University of Economics\",\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\",\"name\":\"Journal of International Finance and Accounting\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png\",\"contentUrl\":\"https:\\\/\\\/interfinance.tsue.uz\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png\",\"width\":90,\"height\":90,\"caption\":\"Journal of International Finance and Accounting\"},\"image\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\",\"name\":\"jurnal-admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"caption\":\"jurnal-admin\"},\"sameAs\":[\"http:\\\/\\\/interfinance.tsue.uz\"],\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS - Journal of International Finance and Accounting","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/interfinance.tsue.uz\/?p=6035","og_locale":"en_US","og_type":"article","og_title":"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS - Journal of International Finance and Accounting","og_description":"Nabiev U.B Independent Researcher, Department of Banking, Tashkent State University of Economics ORCID:0009-0004-5038-9840 Abstract. This article examines the transformation of the system for assessing the creditworthiness of bank customers and the improvement of credit risk management in commercial banks. The Read More ...","og_url":"https:\/\/interfinance.tsue.uz\/?p=6035","og_site_name":"Journal of International Finance and Accounting","article_published_time":"2026-02-22T15:45:04+00:00","article_modified_time":"2026-09-22T15:47:46+00:00","author":"jurnal-admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jurnal-admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/interfinance.tsue.uz\/?p=6035#article","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/?p=6035"},"author":{"name":"jurnal-admin","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a"},"headline":"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS","datePublished":"2026-02-22T15:45:04+00:00","dateModified":"2026-09-22T15:47:46+00:00","mainEntityOfPage":{"@id":"https:\/\/interfinance.tsue.uz\/?p=6035"},"wordCount":180,"commentCount":0,"publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"articleSection":["2026-1-issue-1-6"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/interfinance.tsue.uz\/?p=6035#respond"]}]},{"@type":"WebPage","@id":"https:\/\/interfinance.tsue.uz\/?p=6035","url":"https:\/\/interfinance.tsue.uz\/?p=6035","name":"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS - Journal of International Finance and Accounting","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/#website"},"datePublished":"2026-02-22T15:45:04+00:00","dateModified":"2026-09-22T15:47:46+00:00","breadcrumb":{"@id":"https:\/\/interfinance.tsue.uz\/?p=6035#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/interfinance.tsue.uz\/?p=6035"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/interfinance.tsue.uz\/?p=6035#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/interfinance.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"IMPROVING THE SCORING METHODOLOGY FOR ASSESSING THE CREDITWORTHINESS OF BANK CUSTOMERS"}]},{"@type":"WebSite","@id":"https:\/\/interfinance.tsue.uz\/#website","url":"https:\/\/interfinance.tsue.uz\/","name":"Journal of International Finance and Accounting","description":"Tashkent State University of Economics","publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/interfinance.tsue.uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/interfinance.tsue.uz\/#organization","name":"Journal of International Finance and Accounting","url":"https:\/\/interfinance.tsue.uz\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/logo\/image\/","url":"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2022\/12\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png","contentUrl":"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2022\/12\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png","width":90,"height":90,"caption":"Journal of International Finance and Accounting"},"image":{"@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a","name":"jurnal-admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","caption":"jurnal-admin"},"sameAs":["http:\/\/interfinance.tsue.uz"],"url":"https:\/\/interfinance.tsue.uz\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/6035","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6035"}],"version-history":[{"count":1,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/6035\/revisions"}],"predecessor-version":[{"id":6037,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/6035\/revisions\/6037"}],"wp:attachment":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6035"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6035"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6035"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}