Study goals
This work aims to develop a credit risk model, based on the analysts' perception, for analysis and granting of credit in a car rental company
Relevance / originality
The case study was carried out in a car rental company, considered the largest in Brazil and South America and the most valued company in the car rental segment in the world, valued at R$ 72.8 billion.
Methodology / approach
The study is based on the methodology of the case study, of a quantitative and qualitative nature, with the participation of eight fundamentalist analysts, with time in the company between four and 16 years.
Main results
The risk classification produces practical results: when applied to a base of 165 of the company's clients, the model obtained an assertiveness rate of 94% regarding the analysts' perception, which proves its efficiency.
Theoretical / methodological contributions
The accomplishment of this research contributes to the theoretical studies on the subjects financial statements, risk management, strategic management, financial indicators
Social / management contributions
This study was essential to mitigate subjectivity in analysts' decision-making through credit analysis and increase the reliability index in the decision-making process