This paper presents the application of a multicriteria disaggregation-aggregation approach for assessing the debtors or the clients of an organization according to the collectability of overdue debts, using a model of Multicriteria Decision Analysis. The result of this study is to improve the management of the debtor’s portfolio efficiency which will result to a better recovery process with reduce cost, time and at the same time minimize the processing time of each debtor portfolio. The set of key criteria includes age, occupation, marital status, presence of estate property, amount of income held by the debtor, consistency in the repayment liabilities of the organization and whether is the debtor recording at the" Teiresias black list".
The overall assessment at this study is achieved through a linear additive value model, estimated with the participation of a single decision maker which is based on the disaggregation –aggregation Multicriteria methodological approach UTA* [Jacquet - Lagrèze and Siskos (1982)]. This approach utilizing the MINORA system [Siskos et al. (1993), Spyridakos and Yannacopoulos (1995)] the spine of which is the disaggregation-aggregation UTA (*) method, construct an additive utility model based on a set of criteria stating the appropriateness and behavioural consistency of the evaluators. Then the evaluation results are examined for their stability.