60905 20200221144323.0 doi 10.1007/s10551-014-2448-5 sideral 94039 ART-2016-94039 eng (orcid)0000-0003-3044-4983 Gutiérrez-Nieto, B. Universidad de Zaragoza A Credit Score System for Socially Responsible Lending 2016 Access copy available to the general public Unrestricted Ethical banking, microfinance institutions or certain credit cooperatives, among others, grant socially responsible loans. This paper presents a credit score system for them. The model evaluates social and financial aspects of the borrower. The financial aspects are evaluated under the conventional banking framework, by analysing accounting statements and financial projections. The social aspects try to quantify the loan impact on the achievement of Millennium Development Goals such as employment, education, environment, health or community impact. The social credit score model should incorporate the lender’s know-how and should also be coherent with its mission. This is done using Multi-Criteria Decision Making (MCDM). The paper illustrates a real case: a loan application by a social entrepreneur presented to a socially responsible lender. The decision support system not only produces a score, but also reveals strengths and weaknesses of the application. info:eu-repo/grantAgreement/ES/DGA/S14-3 info:eu-repo/grantAgreement/ES/MICINN/ECO2010-20228 info:eu-repo/grantAgreement/ES/MINECO/ECO2013-45568-R info:eu-repo/semantics/openAccess All rights reserved http://www.europeana.eu/rights/rr-f/ 2.354 2016 ETHICS 2 / 51 = 0.039 2016 Q1 T1 BUSINESS 53 / 121 = 0.438 2016 Q2 T2 1.427 2016 Arts and Humanities (miscellaneous) 2016 Q1 Business and International Management 2016 Q1 Law 2016 Q1 Economics and Econometrics 2016 Q1 Business, Management and Accounting (miscellaneous) 2016 Q1 info:eu-repo/semantics/article info:eu-repo/semantics/acceptedVersion (orcid)0000-0003-2596-9638 Serrano-Cinca, C. Universidad de Zaragoza (orcid)0000-0002-2857-7405 Camón-Cala, J. Universidad de Zaragoza 4012 650 Universidad de Zaragoza Dpto. Direcc.Organiza.Empresas Área Organización de Empresas 4002 230 Universidad de Zaragoza Dpto. Contabilidad y Finanzas Área Economía Finan. y Contab. 133, 4 (2016), 691-701 J. bus. ethics JOURNAL OF BUSINESS ETHICS 0167-4544 383560 http://zaguan.unizar.es/record/60905/files/texto_completo.pdf Postprint 75977 http://zaguan.unizar.es/record/60905/files/texto_completo.jpg?subformat=icon icon Postprint oai:zaguan.unizar.es:60905 articulos driver 2020-02-21-13:42:27 ARTICLE