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Showing 1 to 20 of 42 for “"credit scoring"”.
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Statistical aspects of credit scoring
… thesis is concerned with statistical aspects of credit scoring, the process of determining how likely an applicant for credit is to default with repayments. In Chapters 1-4 a detailed introduction to credit scoring methodology is presented, including evaluation of previous published work on …
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Performance-based credit scoring model
… recent economic recession in USA. Accordingly, credit scoring models should basically focus on evaluating the lender's judgements about a borrower's future business performance. Similarly, the validity of these models should be based on the accuracy in predicting borrower's actual business …
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Tackling change and uncertainty in credit scoring
Credit scoring methods summanse information on credit applicants. An assessment of creditworthiness is derived from this summary. This thesis is concerned with statistical methods of credit scoring. Much of the existing literature on credit scoring is concerned with comparing the predictive power …
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The probability of Chinese mortgage loan default and credit scoring
Credit scoring is broadly applied in consumer lending especially in credit cards and mortgages. Credit scoring has not been widely used in business lending because business loan differ substantially across household borrowers, making it more difficult to build up an accurate scoring method. …
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Improved Peer-to-Peer Lending Credit Scoring Mechanism using Machine Learning Techniques
… lenders and borrowers. Assessing borrower’s creditworthiness is important because many P2P loans are not secured by collateral. Banks use credit scoring to evaluate borrower’s creditworthiness and reduce potential loan default risk. However, in P2P lending platform effective credit scoring …
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Development and Evaluation of a Credit Scoring Model for the Farm Credit System
Credit scoring models were developed to identify the credit risk in term and operating loans for the principal purposes of evaluating portfolio quality and monitoring risk at the loan and portfolio levels in the Farm Credit System. Experience based (lender) and statistical (academic) approaches …
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Credit scoring models for Egyptian banks : neural nets and genetic programming versus conventional techniques
Credit scoring has been regarded as a core appraisal tool of banks during the last few decades, and has been widely investigated in the area of finance, in general, and banking sectors, in particular. In this thesis, the main aims and objectives are: to identify the currently used techniques in the …
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A New Credit Scoring Model to Reduce Potential Predatory Lending: A Design Science Approach
… the potential impact of implementing a novel credit scoring model that integrates attributes beyond the traditional FICO model. It aims to address issues related to predatory lending and the financial exclusion affecting individuals often categorized as 'credit invisible,' 'credit unscorable,' …
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The Effect of Dataset Size on the Performance of Classification Algorithms for Credit Scoring
… on predicting borrower default in the field of credit risk, the relative performance of different classification algorithms has received much attention by researchers. With the rise of machine learning techniques spurred on by fast, cheap computing and the generation and collection of massive …
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Data-driven Investment Decisions in P2P Lending: Strategies of Integrating Credit Scoring and Profit Scoring
… peer-to-peer (P2P) lending. In evaluating loans, credit scoring and profit scoring are the two widely utilized approaches. Credit scoring aims at minimizing the risk while profit scoring aims at maximizing the profit. This dissertation addresses the strengths and weaknesses of each scoring method …
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An Investigation Into a Hybrid Genetic Programming and Ant Colony Optimization Method for Credit Scoring
… by executing these codes with two datasets for credit scoring problems, widely known as the Australian and German datasets, available from the Machine Learning Repository at the University of California, Irvine. The experimental results demonstrate that although all tree techniques yield similar …
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Barriers to the Adoption of Artificial Intelligence Techniques for Credit Scoring Systems: An Exploratory Study in Jordanian Banks
… Jordanian banking sector, particularly AI-based Credit Scoring Systems (AI-CSSs), offers transformative potential for credit risk management. AI-CSSs can enhance predictive accuracy, reducing of human errors and bias, promote financial inclusion, streamline loan processing, improve fraud …
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Joint use of poverty scoring and credit scoring: advantages and limitations of a new technique for socially oriented and sustainability-minded microfinance institutions
… are more exposed to adverse selection. Thorough credit analysis, collateral, credit reporting, and the imminence of legal or social pressure reduce adverse selection. When interest rates drop due to subsidies or operational efficiencies, non-poor individuals seek microloans, particularly when …
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Αξιολόγηση επίδοσης του τραπεζικού μάνατζμεντ μέσω της μέτρησης της πιστοληπτικής ικανότητας των δανειοδοτούμενων μικρομεσαίων επιχειρήσεων (SMEs) με τη χρήση μοντέλων credit scoring, κατά τη διάρκεια της κρίσης
… επιλεκτικής εξυπηρέτησης της πελατείας τους (credit rationing), γεγονός που οδήγησε σε πιστωτική ασφυξία της εθνικής οικονομίας. Παράλληλα, η παρεμβατική πολιτική του κράτους, απόρροια της αδυναμίας συμβατικής αντιμετώπισης της ύφεσης (αδυναμία άσκησης δημοσιονομικής – νομισματικής πολιτικής), …
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Construcción de un modelo de Credit Scoring para población no bancarizada de la Ciudad Autónoma de Buenos Aires utilizando el Censo Nacional de Personas, Hogares y Viviendas como fuente complementaria de datos.
… más difundida la utilización de los modelos de Credit Scoring para estimar la probabilidad de que un individuo incurra en mora. La población no bancarizada es el segmento en el que existe mayor incertidumbre para predecir este evento. Este trabajo busca evaluar si el Censo Nacional de Personas, …
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Using Supervised Learning Methods to Credit Score Informal Merchants
… to address this issue by developing data-driven credit scoring models for informal merchants using supervised learning methods. The study uses data collected from Nomanini, a financial technology company that facilitates loans to informal merchants in Lesotho. The objective of the study is to …
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ImpactScore: A Novel Credit Score for Social Impact
… This paper proposes the application of credit scoring mechanisms not only to the likelihood of default but also to the likelihood of happiness. Using the existing data on microcredit loan applicants in Bosnia and Herzegovina, we construct a full credit scoring model that involves the …
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Gerenciamento do risco de crédito : cálculo do risco de crédito para a carteira de um banco de varejo
… neste trabalho foi constituído a partir do credit scoring, uma ferramenta estatística de pontuação de créditos derivada da aplicação da técnica estatística denominada Análise Discriminante. Este modelo resultou na boa discriminação dos clientes com necessidades emergenciais de empréstimos …
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