Results 11 to 20 of about 44,064 (279)
On the dynamics of credit history and social interaction features, and their impact on creditworthiness assessment performance [PDF]
Expert systems with applications, 2022 For more than a half-century, credit risk management has used credit scoring models in each of its well-defined stages to manage credit risk. Application scoring is used to decide whether to grant a credit or not, while behavioral scoring is used mainly ...
Ricardo Muñoz-Cancino +3 more
semanticscholar +1 more source
On the combination of graph data for assessing thin-file borrowers' creditworthiness [PDF]
Expert systems with applications, 2021 The thin-file borrowers are customers for whom a creditworthiness assessment is uncertain due to their lack of credit history; many researchers have used borrowers' relationships and interactions networks in the form of graphs as an alternative data ...
Ricardo Muñoz-Cancino +3 more
semanticscholar +1 more source
AI and Ethics, 2023 In the current European debate on the regulation of Artificial Intelligence there is a consensus that Artificial Intelligence (AI) systems should be fair. However, the multitude of existing indicators allowing an AI system to be labeled as “(un)fair” and
S. Genovesi +8 more
semanticscholar +1 more source
Problems of determining the borrower's creditworthiness
Фінансово-кредитні системи: перспективи розвитку., 2023 This article addresses the challenges associated with determining the borrower's creditworthiness. The authors define the borrower's creditworthiness as the ability to timely and fully meet debt obligations to the lender.
Oleksii Miroshnyk +2 more
doaj +1 more source
The effect of interest rates on credit access for small and medium-sized enterprises: A South African perspective [PDF]
Banks and Bank Systems, 2023 This study investigates the effect of interest rates on credit access for small and medium-sized enterprises (SMEs) in South Africa. The study employs a quantitative research design, using data collected from 200 SMEs in South Africa.
Thabiso Sthembiso Msomi
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PEMBELAJARAN MESIN UNTUK MENILAI KELAYAKAN KREDIT PROYEK RETROFIT: MULTINOMIAL LOGIT
Akuntansi dan Teknologi Informasi, 2022 Creditworthiness assessment was one of the first areas to apply machine learning techniques in economics. The creditworthiness of retrofit protection was vital for ESCO in determining the credit scoring.
Eka Sudarmaji +2 more
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Rising Temperatures, Falling Ratings: The Effect of Climate Change on Sovereign Creditworthiness
Management Sciences, 2021 Enthusiasm for “greening the financial system” is welcome, but a fundamental challenge remains: financial decision makers lack the necessary information. It is not enough to know that climate change is bad.
Patrycja Klusak +4 more
semanticscholar +1 more source
Annals of Emerging Technologies in Computing, 2023 The financial domain is making huge advancements thanks to the exploitation of artificial intelligence. As an example, the credit-worthiness-assessment task is now strongly based on Machine Learning algorithms that make decisions independently from ...
Giandomenico Cornacchia +4 more
semanticscholar +1 more source
Journal of Risk and Financial Management, 2021 Prediction insolvency is one of the most important issues during creditworthiness assessment, especially in the turmoil environment. That is why the problem of insolvency and bankruptcy prediction has been the subject of numerous studies focused on its ...
Rafał Balina +2 more
semanticscholar +1 more source
MODELI OCJENE KREDITNOG BONITETA PREDUZEĆA [PDF]
Zbornik Radova Ekonomskog Fakulteta u Istočnom Sarajevu, 2014 The assessment of creditworthiness is based on a detailed analysis of financial reports of the company. The most common models of creditworthiness evaluation used by the companies are the traditional method, the Altman Z-score and Kralicek quicktest.
Zvjezdana Gavrilović, Borka Popović
doaj +1 more source