000061607 001__ 61607 000061607 005__ 20200221144245.0 000061607 0247_ $$2doi$$a10.1016/j.jclepro.2015.09.103 000061607 0248_ $$2sideral$$a93722 000061607 037__ $$aART-2016-93722 000061607 041__ $$aeng 000061607 100__ $$0(orcid)0000-0003-2596-9638$$aSerrano-Cinca, C.$$uUniversidad de Zaragoza 000061607 245__ $$aA social and environmental approach to microfinance credit scoring 000061607 260__ $$c2016 000061607 5060_ $$aAccess copy available to the general public$$fUnrestricted 000061607 5203_ $$aMicrofinance institutions provide loans to low-income individuals. Their credit scoring systems, if they exist, are strictly financial. Although many institutions consider the social and environmental impact of their loans, they do not incorporate formal systems to estimate these social and environmental impacts. This paper proposes that their creditworthiness evaluations should be coherent with their social mission and, accordingly, should estimate the social and environmental impact of microcredit. Thus, a decision support system to facilitate microcredit granting is proposed using a multicriteria evaluation. The assessment of social impact is performed by calculating the Social Net Present Value. The system captures credit officers'' experience and addresses incomplete and intangible information. The model has been tested in a microfinance institution. The paper shows how a small institution can include social and environmental issues in its decision-making systems to evaluate credit applications. A gap in the preferences was found between members of the board, who are socially driven, and managers and credit officers, who are financially drifted. This mission drift was corrected. The approach followed contributed to creating a culture of social and environmental assessment within the institution, especially among credit officers, thereby translating Microfinance institutions'' social mission into numbers. 000061607 536__ $$9info:eu-repo/grantAgreement/ES/DGA/S14-3$$9info:eu-repo/grantAgreement/ES/MICINN/ECO2010-20228$$9info:eu-repo/grantAgreement/ES/MINECO/ECO2013-4556 000061607 540__ $$9info:eu-repo/semantics/openAccess$$aby-nc-sa$$uhttp://creativecommons.org/licenses/by-nc-sa/3.0/es/ 000061607 590__ $$a5.715$$b2016 000061607 591__ $$aENGINEERING, ENVIRONMENTAL$$b6 / 49 = 0.122$$c2016$$dQ1$$eT1 000061607 591__ $$aGREEN & SUSTAINABLE SCIENCE & TECHNOLOGY$$b5 / 31 = 0.161$$c2016$$dQ1$$eT1 000061607 591__ $$aENVIRONMENTAL SCIENCES$$b17 / 229 = 0.074$$c2016$$dQ1$$eT1 000061607 592__ $$a1.659$$b2016 000061607 593__ $$aEnvironmental Science (miscellaneous)$$c2016$$dQ1 000061607 593__ $$aStrategy and Management$$c2016$$dQ1 000061607 593__ $$aRenewable Energy, Sustainability and the Environment$$c2016$$dQ1 000061607 593__ $$aIndustrial and Manufacturing Engineering$$c2016$$dQ1 000061607 655_4 $$ainfo:eu-repo/semantics/article$$vinfo:eu-repo/semantics/acceptedVersion 000061607 700__ $$0(orcid)0000-0003-3044-4983$$aGutiérrez-Nieto, B.$$uUniversidad de Zaragoza 000061607 700__ $$aReyes, N. M. 000061607 7102_ $$14002$$2230$$aUniversidad de Zaragoza$$bDpto. Contabilidad y Finanzas$$cÁrea Economía Finan. y Contab. 000061607 773__ $$g112, 4 (2016), 3504-3513$$pJ. clean. prod.$$tJournal of Cleaner Production$$x0959-6526 000061607 8564_ $$s267729$$uhttps://zaguan.unizar.es/record/61607/files/texto_completo.pdf$$yPostprint 000061607 8564_ $$s28881$$uhttps://zaguan.unizar.es/record/61607/files/texto_completo.jpg?subformat=icon$$xicon$$yPostprint 000061607 909CO $$ooai:zaguan.unizar.es:61607$$particulos$$pdriver 000061607 951__ $$a2020-02-21-13:24:36 000061607 980__ $$aARTICLE