Credit Rating Technology for Emerging Enterprises

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Develop an accessible technological platform dedicated to developing the target market of microenterprises that are in a limbo of economic growth in Colombia, and to generate possibilities of access to credit, offered under a "Lending Marketplace". This solution will contribute to improving the competitiveness of Colombian microenterprises, and consists of three areas: a) Technical advice to the target market in terms of finance, efficiency, credit capacity, productivity and competitiveness. (B) The design of a credit scoring system; and (c) a multiple data aggregate data system or big data and a risk analysis system of the participating companies. This project will support the construction of software and pilot testing of the technology platform in Colombia. The purpose of the tests is to evaluate the results that result from applying the credit scoring through the estimation of the possibility of default in the payment of the credits of the selected emerging companies. To this end, the project will work on developing links between the platform and local financiers in Colombia, for which three of the largest ones have been worked: Banco de Bogotá, Davivienda and Bancolombia.