This manuscript is the author's response to: "Dochtermann, N.A. & Jenkins, S.H. Multivariate methods and small sample sizes, Ethology, 117, 95-101." and accompanies this paper: "Budaev, S. Using principal components and factor analysis in animal behaviour research: Caveats and guidelines....

Making lending decision is an important process for financial institutions because it has a direct impact on the profits and losses of financial institutions. Therefore, financial Institutions try to develop good credit scoring models to make lending decisions. The purpose of this research is to...