Absalom Jaison
Department Of Mathematics, Chinhoyi University Of Technology, Chinhoyi, Zimbabwe
Retail Probability Of Default Modeling
This study develops a one-year probability of default prediction model for unsecured retail loan applicants for a particular top-tier Zimbabwean commercial bank. Banks need this model calculation for them to be internationally Basel II/III com- pliant. Binary logistic modelling was used on 10521 cases of which 2770 were defaulting and 7751 were non-defaulting. Retail credit risk parameters such as monthly

Absalom Jaison
Department Of Mathematics, Chinhoyi University Of Technology, Chinhoyi, Zimbabwe
Estimating Retail Loss Given Default – An Empirical Approach
With the advent of the new Basel Capital Accord, banking institutions are required to estimate credit risk capital requirements using internal ratings-based approach, subject to supervisory review. In order to be compliant with this approach, institutions must estimate the expected Loss Given Default (LGD), the fraction of the credit exposure that is lost if the borrower defaults. The flexibility to

Absalom Jaison
Lecturer, Chinhoyi University Of Technology, Mathematics Department
Visitors’ Perception Of Quality Of Customer Service At Chirundu One-stop Border Post In Zimbabwe
Perception is as good as reality. There is a common saying that, ‘the first cut is the deepest’; meaning initial impressions outlast any other subsequent impressions. To any visitor, arrival at the border post of any country represents arrival at the destination. Hence, perceptions gained from quality of customer service at the border posts should not be taken for granted.

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