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As Schrickel (1997) states, risk analysis involves the ability to make a credit decision in a scenario of uncertainties, constant changes and incomplete information.
This ability depends on the capacity to logically analyse often complex situations, and reach a conclusion that is practical and feasible to implement.
A disparity is observed among the numbers, due to the increase in the use of personal credit being much larger than the increase in GDP.
The growth in demand for personal credit in Brazil has been revolutionizing this market, thus companies in this sector are adapting themselves to remain at the forefront of the opportunities.
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Table 1 presents information on the growth of credit and GDP in Brazil.Any error in the decision to grant credit may mean that a single operation promotes a loss equivalent of the gain obtained in dozens of other successful transactions, since non-receipt represents the total loss of the amount lent.
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