Concluding that even though human mind
is capable of handling the interactions between a couple of differentiated
variables but there always exists a percentage of biasness, over/underestimation.
Hence, for this model it is suggested to carry out full empirical, statistical
analysis and carry out correlation test to put forward a reliable expert rating
to any organisation. Just looking at the financial books or qualitative aspects
of any SME won’t give them a fair rating to apply for any kind of financial
aid. The key is for the expertise of an analyst to concentrate more on areas
where it adds the most value, thus leaving the ultimate competitive advantage
with judgmental process.