Results 61 to 70 of about 744,755 (195)
Credit scoring in consumer credits
, 2021 Bu çalışmanın amacı kredi skorlama teknikleri hakkında genel bir özet sunmak ve taşıt kredileri ile nakit ödemeli bireysel krediler için başvuru skorkart modelleri oluşturmaktır. Kredi skorlarının modellemesinde lojistik regresyon yöntemi kullanılmış olup, her bir kredi türü için ayrı veri kümeleri kullanılmıştır.
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Credit-Scoring Methods (in English) [PDF]
The paper reviews the best-developed and most frequently applied methods of credit scoring employed by commercial banks when evaluating loan applications. The authors concentrate on retail loans – applied research in this segment is limited, though there
Martin Vojtek, Evžen Koèenda
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Using Genetic Algorithm in Optimizing Decision Trees for Credit Scoring of Banks Customers [PDF]
Journal of Information Technology Management, 2010 Decision trees as one of the data mining techniques, is used in credit scoring of bank customers. The main problem is the construction of decision trees in that they can classify customers optimally.
Mahmood i Alborz +2 more
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A comparison of data mining techniques for credit scoring in banking: A managerial perspective
Journal of Business Economics and Management, 2009 Credit scoring is a very important task for lenders to evaluate the loan applications they receive from consumers as well as for insurance companies, which use scoring systems today to evaluate new policyholders and the risks these prospective customers ...
Huseyin Ince, Bora Aktan
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An Entropy Based Algorithm for Credit Scoring [PDF]
, 2016 The request of effective credit scoring models is rising in these last decades, due to the increase of consumer lending. Their objective is to divide the loan applicants into two classes, reliable or unreliable, on the basis of the available information.
Saia, Roberto, CARTA, SALVATORE MARIO
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Small business credit scoring and credit availability [PDF]
U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and ...
Allen N. Berger, W. Scott Frame
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APPLICATION OF RECURSIVE PARTITIONING TO AGRICULTURAL CREDIT SCORING [PDF]
Recursive Partitioning Algorithm (RPA) is introduced as a technique for credit scoring analysis, which allows direct incorporation of misclassification costs.
Novak, Michael P., LaDue, Eddy L.
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AN IT2FS MODEL FOR SHARIA CREDIT SCORING: ANALYSIS & DESIGN
Jurnal Sistem Informasi, 2014 Credit scoring system is a classic problem which is still interesting to study. There are many studies on credit scoring. But, most of them only discuss feasibility analysis.
Galih Kurniawan Sidik +2 more
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Credit scoring for individuals [PDF]
Lending money to different borrowers is profitable, but risky. The profits come from the interest rate and the fees earned on the loans. Banks do not want to make loans to borrowers who cannot repay them. Even if the banks do not intend to make bad loans,
Razvan Constantin CARACOTA +2 more
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