Tese de Mestrado.pdf

Abstract
The credit management has gained importance for managers because it is a crucial factor
in the competitive process. The business success is related to the strategies used to
support decision. Therefore, the interest in the subject arises due to the lack of tools that
support properly the Group Visabeira credit management in the decision to give credit
to customers.
Initially this project and dissertation included a research of tools and approaches of
credit management. After an analysis of existing solutions and the rules imposed by the
company, it became clear that the solutions analyzed did not meet all the requirements.
So it was chosen to implement a credit management solution that obtained in advance the
information that will assist in decisions regarding the granting of credits to customers.
The selection of the tools to develop the solution were conditioned by the existing
licenses that the Group Visabeira had. Microsoft SQL Server 2008 R2 was used because
it contains the Analysis Services required for the Data Mining process. PowerPivot was
chosen to create tables and graphs that help making decision.
A procedure was created through SQL and ABAP languages that gets from two sistems,
SAP and GrVisa, the historical data of the clientes and lls a single table. At the
end, Excel PowerPivot features and the Data Mining Excel tecnologies were used.
The purpose is to help the credit manager to obtain information on the credit of
customers quickly and safely, using the PowerPivot and by creating a predictive model.
PowerPivot lets you create dynamic charts and graphs. The predictive model uses information
of the past to return predictions about the future, thus ensuring the identication
of customers with the ability of liquidity debt.
Key words: Data Mining; Predictive model; Risk management; Credit risk.
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