Help with chapter two of my field study. the Literature review can you help
The effects of data quality from the credit bureaus on the credit standing of the telecommunications companies in South Africa.
Table of Contents
1.2 PROBLEM STATEMENT
1.3 RESEARCH OBJECTIVES
1.4 PRELIMINARY LITERATURE REVIEW
1.4.1 External Credit Environment
Quality of the customer
Purpose of Credit Management
1.4.2 Function of the Credit Bureaus
1.4.3 Importance of data to the telecommunications companies
Weakness in the data
Credit Essential Data
Data Governance
1.4.4 Data Quality
Internal data impacts at the credit bureaus
1.4.5 Information Asymmetry
1.4.6 Role of the Credit Extender
1.4.7 Role of the credit bureau
1.4.8 External data Governance: The Credit Bureau Association
1.5 RESEARCH METHODOLOGY
1.5.1 Research Design
1.5.2 Sampling Design
1.5.3 Data Collection
The researcher will continue the interview process until no new themes emerge, and this is referred to as the data saturation point (Creswell & Lategan, 2003).
1.5.4 Data Analysis
1.5.5 Ethical Considerations
1.6 DEMARCATION OF THE STUDY
1.7 LAYOUT OF THE STUDY
1.8 CONCLUSION
REFERENCES
PROBLEM STATEMENT
The problem is that the data utilised by the telecommunications companies obtained from the credit bureaus as part of credit decision making, may not be of the standard of quality expected by the credit team in support of sustainable credit performance for the organisation.
If the problem is not addressed, the impact thereof is twofold. Firstly, it could result in potential loss of income for the company that could be detrimental to both its bad debt ratios and its credit reputation. Secondly, theimpact on the individual consumer is also of concern, as the consumer could find him/her in a debt cycle that will take years to overcome; and the result is further degradation of consumer well-being and ultimately the state of theeconomy.
RESEARCH OBJECTIVES
Primary research objective
The primary research objective of this study is to explore the effects of data quality from the credit bureaus on the credit standing of the telecommunications companies in South Africa.
The following research questions are raised:
- What are the perceptions of the credit officials of the impact the level of accuracy of the data has on the credit component of the telecommunication company?
- What are the possible threats for telecommunications companies of poor governance around data put into the public domain by the credit bureaus?
- What is the effect of asymmetry of information on the selection processes applied by the credit departments of the telecommunications companies?
Secondary research objectives
The secondary research objectives of this study are to:
- Discusscredit risk management;
- Discern the use of credit bureau data in credit risk decisions;
- Do a SWOT analysis on the credit risk decisions that is based on the credit bureau data