{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,8]],"date-time":"2026-04-08T08:48:52Z","timestamp":1775638132887,"version":"3.50.1"},"reference-count":85,"publisher":"World Scientific Pub Co Pte Lt","issue":"01","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Int. J. Info. Tech. Dec. Mak."],"published-print":{"date-parts":[[2019,1]]},"abstract":"<jats:p> Credit to personal consumption is an important activity of the financial system and crucial to the socioeconomic development of a country. It is important, therefore, that the methods and techniques used to evaluate consumer credit risk be as efficient and informative as possible, in order to strengthen decisions to approve or reject credit and promote sustainable economic growth. This study aims to create a multiple criteria expert system which integrates cognitive maps and the measuring attractiveness by a categorical-based evaluation technique (MACBETH) to create a complementary framework for consumer credit risk assessment. The results show that this integrated approach allows the evaluation process of consumer credit risk to be more informed and transparent, providing value for the evaluation processes of this type of credit application as a result of the privileged contact established with a panel of credit analysts. Advantages, limitations, and managerial implications are also discussed. <\/jats:p>","DOI":"10.1142\/s021962201850044x","type":"journal-article","created":{"date-parts":[[2018,6,24]],"date-time":"2018-06-24T23:29:00Z","timestamp":1529882940000},"page":"7-33","source":"Crossref","is-referenced-by-count":15,"title":["A Judgment-Based Risk Assessment Framework for Consumer Loans"],"prefix":"10.1142","volume":"18","author":[{"given":"Fernando A. F.","family":"Ferreira","sequence":"first","affiliation":[{"name":"ISCTE Business School, BRU-IUL, University Institute of Lisbon, Avenida das For\u00e7as Armadas, 1649-026 Lisbon, Portugal"},{"name":"Fogelman College of Business and Economics, University of Memphis, Memphis, TN 38152-3120, USA"}]},{"given":"Ieva","family":"Meidut\u0117-Kavaliauskien\u0117","sequence":"additional","affiliation":[{"name":"Faculty of Business Management, Vilnius Gediminas Technical University, Saul\u0117tekio al. 11, LT-10223 Vilnius, Lithuania"},{"name":"BRU-IUL, University Institute of Lisbon, Avenida das For\u00e7as Armadas, 1649-026 Lisbon, Portugal"}]},{"given":"Edmundas K.","family":"Zavadskas","sequence":"additional","affiliation":[{"name":"Faculty of Civil Engineering, Vilnius Gediminas Technical University, Saul\u0117tekio al. 11, LT-10223 Vilnius, Lithuania"}]},{"given":"Marjan S.","family":"Jalali","sequence":"additional","affiliation":[{"name":"ISCTE Business School, BRU-IUL, University Institute of Lisbon, Avenida das For\u00e7as Armadas, 1649-026 Lisbon, Portugal"}]},{"given":"Sandra M. J.","family":"Catarino","sequence":"additional","affiliation":[{"name":"School of Management and Technology, Polytechnic Institute of Santar\u00e9m, Complexo Andaluz, Apartado 295, 2001-904 Santar\u00e9m, Portugal"}]}],"member":"219","published-online":{"date-parts":[[2019,1,29]]},"reference":[{"key":"S021962201850044XBIB001","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2003.12.007"},{"key":"S021962201850044XBIB002","doi-asserted-by":"publisher","DOI":"10.3846\/16111699.2012.673504"},{"key":"S021962201850044XBIB003","volume-title":"A Banca e as PME: Como Gerir Com Efic\u00e1cia o Relacionamento entre as PME e a Banca","author":"Alcarva P.","year":"2011"},{"key":"S021962201850044XBIB004","volume-title":"Fundamentos da Gest\u00e3o de Cr\u00e9dito","author":"Carvalho P.","year":"2009"},{"key":"S021962201850044XBIB005","doi-asserted-by":"publisher","DOI":"10.1007\/978-1-4615-1495-4"},{"key":"S021962201850044XBIB006","doi-asserted-by":"publisher","DOI":"10.3846\/13928619.2011.560632"},{"issue":"3","key":"S021962201850044XBIB007","first-page":"114","volume":"9","author":"Ferreira F.","year":"2011","journal-title":"Problems and Perspectives in Management"},{"key":"S021962201850044XBIB008","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2011.593291"},{"key":"S021962201850044XBIB009","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2013.06.040"},{"key":"S021962201850044XBIB010","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2014.892037"},{"key":"S021962201850044XBIB011","doi-asserted-by":"publisher","DOI":"10.1142\/S0219622015500236"},{"key":"S021962201850044XBIB013","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2007.11.025"},{"key":"S021962201850044XBIB014","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2006.09.100"},{"issue":"11","key":"S021962201850044XBIB015","first-page":"1721","volume":"21","author":"Altman E.","year":"1998","journal-title":"Journal of Banking and Finance"},{"key":"S021962201850044XBIB016","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(01)00254-5"},{"key":"S021962201850044XBIB017","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(03)00091-2"},{"key":"S021962201850044XBIB018","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbankfin.2004.05.017"},{"key":"S021962201850044XBIB019","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2014.11.028"},{"key":"S021962201850044XBIB020","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2012.09.001"},{"key":"S021962201850044XBIB021","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2010.06.048"},{"key":"S021962201850044XBIB022","doi-asserted-by":"publisher","DOI":"10.1590\/S0101-74382002000100004"},{"key":"S021962201850044XBIB023","doi-asserted-by":"publisher","DOI":"10.1016\/S0378-4266(03)00202-4"},{"key":"S021962201850044XBIB024","doi-asserted-by":"publisher","DOI":"10.1016\/S0378-4266(99)00055-2"},{"key":"S021962201850044XBIB025","doi-asserted-by":"publisher","DOI":"10.1016\/S0305-0483(00)00028-1"},{"issue":"1","key":"S021962201850044XBIB026","first-page":"128","volume":"16","author":"Hajiagha S.","year":"2013","journal-title":"E+M Ekonomie a Management"},{"key":"S021962201850044XBIB027","doi-asserted-by":"publisher","DOI":"10.1108\/MD-01-2013-0021"},{"key":"S021962201850044XBIB028","doi-asserted-by":"publisher","DOI":"10.1016\/j.ins.2014.02.137"},{"key":"S021962201850044XBIB029","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2014.11.004"},{"key":"S021962201850044XBIB030","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2015.05.032"},{"key":"S021962201850044XBIB031","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2011.03.014"},{"key":"S021962201850044XBIB032","doi-asserted-by":"publisher","DOI":"10.1142\/S0219622012500095"},{"key":"S021962201850044XBIB033","doi-asserted-by":"publisher","DOI":"10.1142\/S0219622016500036"},{"key":"S021962201850044XBIB034","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2009.10.018"},{"key":"S021962201850044XBIB035","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2008.06.016"},{"key":"S021962201850044XBIB036","doi-asserted-by":"publisher","DOI":"10.1016\/j.asoc.2010.11.028"},{"key":"S021962201850044XBIB037","doi-asserted-by":"publisher","DOI":"10.1016\/S0378-4266(01)00254-0"},{"key":"S021962201850044XBIB038","doi-asserted-by":"publisher","DOI":"10.1016\/j.matcom.2008.12.006"},{"key":"S021962201850044XBIB039","doi-asserted-by":"publisher","DOI":"10.1057\/jors.2009.104"},{"key":"S021962201850044XBIB040","volume-title":"M\u00e9thodologie Multicrit\u00e8re D\u2019aide \u00e0 la D\u00e9cision","author":"Roy B.","year":"1985"},{"key":"S021962201850044XBIB041","first-page":"43","volume-title":"Rational Analysis for a Problematic World Revisited: Problem Structuring Methods for Complexity, Uncertainty and Conflict","author":"Ackermann F.","year":"2001"},{"key":"S021962201850044XBIB042","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(96)00380-3"},{"issue":"4","key":"S021962201850044XBIB043","first-page":"33","volume":"35","author":"Keeney R.","year":"1994","journal-title":"MIT Sloan Management Review"},{"key":"S021962201850044XBIB044","doi-asserted-by":"publisher","DOI":"10.1016\/0377-2217(96)00004-5"},{"key":"S021962201850044XBIB045","doi-asserted-by":"publisher","DOI":"10.3846\/1648715X.2013.863812"},{"key":"S021962201850044XBIB046","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2014.913275"},{"key":"S021962201850044XBIB047","doi-asserted-by":"publisher","DOI":"10.1155\/2014\/297563"},{"key":"S021962201850044XBIB048","doi-asserted-by":"publisher","DOI":"10.3846\/ijspm.2010.20"},{"key":"S021962201850044XBIB049","doi-asserted-by":"publisher","DOI":"10.3846\/1648715X.2015.1105321"},{"key":"S021962201850044XBIB050","doi-asserted-by":"publisher","DOI":"10.1111\/j.1475-3995.2000.tb00186.x"},{"key":"S021962201850044XBIB051","doi-asserted-by":"publisher","DOI":"10.1057\/palgrave.jors.2602214"},{"key":"S021962201850044XBIB052","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2014.981764"},{"key":"S021962201850044XBIB053","doi-asserted-by":"publisher","DOI":"10.1057\/jors.2014.129"},{"key":"S021962201850044XBIB054","doi-asserted-by":"publisher","DOI":"10.1016\/j.omega.2011.01.009"},{"key":"S021962201850044XBIB055","doi-asserted-by":"publisher","DOI":"10.1016\/j.eswa.2015.01.003"},{"key":"S021962201850044XBIB056","doi-asserted-by":"publisher","DOI":"10.3846\/1648715X.2012.707629"},{"key":"S021962201850044XBIB057","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(98)90214-4"},{"key":"S021962201850044XBIB058","doi-asserted-by":"publisher","DOI":"10.1016\/S0305-0483(03)00018-5"},{"key":"S021962201850044XBIB059","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(03)00061-4"},{"key":"S021962201850044XBIB060","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2011.11.014"},{"key":"S021962201850044XBIB061","volume-title":"Multiple Criteria Evaluation of Bank Branches: Decision Analysis Models and Applications","author":"Ferreira F.","year":"2011"},{"key":"S021962201850044XBIB062","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(03)00431-4"},{"issue":"1","key":"S021962201850044XBIB063","first-page":"15","volume":"15","author":"Bana e Costa C.","year":"1995","journal-title":"Investiga\u00e7\u00e3o Operacional"},{"key":"S021962201850044XBIB064","doi-asserted-by":"publisher","DOI":"10.1142\/S0219622012400068"},{"key":"S021962201850044XBIB065","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(01)00253-3"},{"key":"S021962201850044XBIB066","doi-asserted-by":"publisher","DOI":"10.1111\/j.1475-3995.2006.00549.x"},{"key":"S021962201850044XBIB067","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2012.762950"},{"key":"S021962201850044XBIB068","doi-asserted-by":"publisher","DOI":"10.1007\/0-387-23081-5_10"},{"key":"S021962201850044XBIB069","doi-asserted-by":"publisher","DOI":"10.1590\/S0101-74382008000200004"},{"key":"S021962201850044XBIB070","volume-title":"The Analytic Hierarchy Process: Planning, Priority Setting, Resource Allocation","author":"Saaty T.","year":"1980"},{"key":"S021962201850044XBIB071","doi-asserted-by":"publisher","DOI":"10.1016\/j.omega.2013.09.006"},{"key":"S021962201850044XBIB072","doi-asserted-by":"publisher","DOI":"10.1007\/s11205-008-9338-0"},{"key":"S021962201850044XBIB073","doi-asserted-by":"publisher","DOI":"10.1016\/S0165-0114(96)00349-1"},{"key":"S021962201850044XBIB074","doi-asserted-by":"publisher","DOI":"10.1057\/s41274-016-0166-3"},{"key":"S021962201850044XBIB075","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2016.1212742"},{"key":"S021962201850044XBIB076","doi-asserted-by":"publisher","DOI":"10.3846\/20294913.2015.1074125"},{"issue":"5","key":"S021962201850044XBIB077","first-page":"115","volume":"43","author":"Fiedler F.","year":"1965","journal-title":"Harvard Business Review"},{"key":"S021962201850044XBIB078","volume-title":"A Theory of Leadership Effectiveness","author":"Fiedler F.","year":"1967"},{"key":"S021962201850044XBIB079","doi-asserted-by":"publisher","DOI":"10.1007\/s10479-011-0877-4"},{"key":"S021962201850044XBIB080","doi-asserted-by":"publisher","DOI":"10.1016\/S0377-2217(03)00155-3"},{"key":"S021962201850044XBIB081","doi-asserted-by":"publisher","DOI":"10.1080\/03155986.2017.1332919"},{"key":"S021962201850044XBIB082","doi-asserted-by":"publisher","DOI":"10.1080\/01605682.2017.1390535"},{"key":"S021962201850044XBIB083","doi-asserted-by":"publisher","DOI":"10.1016\/j.ejor.2011.09.019"},{"issue":"8","key":"S021962201850044XBIB084","first-page":"2","volume":"2","author":"Wu W.","year":"2016","journal-title":"Financial Innovation"},{"key":"S021962201850044XBIB085","doi-asserted-by":"publisher","DOI":"10.1016\/j.resconrec.2015.01.001"},{"key":"S021962201850044XBIB086","doi-asserted-by":"publisher","DOI":"10.1007\/s40171-014-0067-8"}],"container-title":["International Journal of Information Technology &amp; Decision Making"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/www.worldscientific.com\/doi\/pdf\/10.1142\/S021962201850044X","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2019,8,6]],"date-time":"2019-08-06T08:52:18Z","timestamp":1565081538000},"score":1,"resource":{"primary":{"URL":"https:\/\/www.worldscientific.com\/doi\/abs\/10.1142\/S021962201850044X"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2019,1]]},"references-count":85,"journal-issue":{"issue":"01","published-online":{"date-parts":[[2019,1,29]]},"published-print":{"date-parts":[[2019,1]]}},"alternative-id":["10.1142\/S021962201850044X"],"URL":"https:\/\/doi.org\/10.1142\/s021962201850044x","relation":{},"ISSN":["0219-6220","1793-6845"],"issn-type":[{"value":"0219-6220","type":"print"},{"value":"1793-6845","type":"electronic"}],"subject":[],"published":{"date-parts":[[2019,1]]}}}