Call for Papers:Vol.11 Issue.5

Submission
Last date		 28-Oct-2025
Acceptance Status In One Day
Paper Publish In Two Days
Submit ManuScript

News & Updates

Submit Article

Dear Authors, Article publish in our journal for Volume-11,Issue-5. For article submission on below link: Submit Manuscript


Join As Board

Dear Reviewer, You can join our Reviewer team without given any charges in our journal. Submit Details on below link: Join As Board


Paper Publication Charges

IJARIIE APP
Download Android App

For Authors

Archives

IJARIIE Board

Downloads

Android App

Download IJARIIE APP

Authors

Title: :  Credit Scoring Model using Data Mining Algorithms
PaperId: :  9565
Published in:   International Journal Of Advance Research And Innovative Ideas In Education
Publisher:   IJARIIE
e-ISSN:   2395-4396
Volume/Issue:    Volume 5 Issue 2 2019
DUI:    16.0415/IJARIIE-9565
Licence: :   IJARIIE is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Author NameAuthor Institute
Pratiksha PawarK K wagh collage Nashik
Pranali RajputK K wagh collage Nashik
Shreya ShejwalkarK K wagh collage Nashik
Pradnya BorseK K wagh collage Nashik
Prof. S. M. MalaoK K wagh collage Nashik

Abstract

Computer Engineering
Information retrieval, Data Structures,Information Integration, Data Cleaning, Wrappers..
Credit scoring means applying a statistical model to assign a risk score to a credit application.Credit scoring techniques assess the risk in lending to a particular client.They not only identify good applications and bad applications on an individual basis, but also they forecast the probability that an applicant with any given score will be good or bad.Although credit scoring systems are being implemented and used by most banks nowadays, they do face a number of limitations.The availability of highquality data is a very important prerequisite for building good credit scoring models. However, the data need not only be of high quality, but it should be predictive as well, in the sense that the captured characteristics are related to the customer defaulting or not.The statistical techniques used in developing credit scoring models typically assume a data set of sufficient size containing enough details. This may not always be the case for specific types of portfolios where only limited data is available, or only a low number of defaults is observed. It is observed that Credit Scoring Model is much more accurate and efficient when it is executed on data that has been carefully prepared and pre-processed. Data mining could be applied in the process of Credit Scoring that is used to predict default clients in order to decide whether to grant them a credit especially by using classification algorithms. Also, data pre-processing can be used on imbalance credit data for improving risk prediction.

Citations

Copy and paste a formatted citation or use one of the links to import into a bibliography manager and reference.

IJARIIE Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. "Credit Scoring Model using Data Mining Algorithms" International Journal Of Advance Research And Innovative Ideas In Education Volume 5 Issue 2 2019 Page 15-21
MLA Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. "Credit Scoring Model using Data Mining Algorithms." International Journal Of Advance Research And Innovative Ideas In Education 5.2(2019) : 15-21.
APA Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, & Prof. S. M. Malao. (2019). Credit Scoring Model using Data Mining Algorithms. International Journal Of Advance Research And Innovative Ideas In Education, 5(2), 15-21.
Chicago Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. "Credit Scoring Model using Data Mining Algorithms." International Journal Of Advance Research And Innovative Ideas In Education 5, no. 2 (2019) : 15-21.
Oxford Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. 'Credit Scoring Model using Data Mining Algorithms', International Journal Of Advance Research And Innovative Ideas In Education, vol. 5, no. 2, 2019, p. 15-21. Available from IJARIIE, https://ijariie.com/AdminUploadPdf/Credit_Scoring_Model_using_Data_Mining_Algorithms_ijariie9565.pdf (Accessed : 22 May 2023).
Harvard Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. (2019) 'Credit Scoring Model using Data Mining Algorithms', International Journal Of Advance Research And Innovative Ideas In Education, 5(2), pp. 15-21IJARIIE [Online]. Available at: https://ijariie.com/AdminUploadPdf/Credit_Scoring_Model_using_Data_Mining_Algorithms_ijariie9565.pdf (Accessed : 22 May 2023)
IEEE Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao, "Credit Scoring Model using Data Mining Algorithms," International Journal Of Advance Research And Innovative Ideas In Education, vol. 5, no. 2, pp. 15-21, Mar-App 2019. [Online]. Available: https://ijariie.com/AdminUploadPdf/Credit_Scoring_Model_using_Data_Mining_Algorithms_ijariie9565.pdf [Accessed : 22 May 2023].
Turabian Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. "Credit Scoring Model using Data Mining Algorithms." International Journal Of Advance Research And Innovative Ideas In Education [Online]. volume 5 number 2 (22 May 2023).
Vancouver Pratiksha Pawar, Pranali Rajput, Shreya Shejwalkar, Pradnya Borse, and Prof. S. M. Malao. Credit Scoring Model using Data Mining Algorithms. International Journal Of Advance Research And Innovative Ideas In Education [Internet]. 2019 [Cited : 22 May 2023]; 5(2) : 15-21. Available from: https://ijariie.com/AdminUploadPdf/Credit_Scoring_Model_using_Data_Mining_Algorithms_ijariie9565.pdf
BibTex EndNote RefMan RefWorks

Number Of Downloads


Last download on 5/22/2023 10:59:51 PM

Save in Google Drive

Similar-Paper

TitleArea of ResearchAuther NameAction
Block-Chain Based Document Verification System using IPFSComputer EngineeringAkash Santosh Devade Download
A COMPREHENSIVE REVIEW OF DUAL FEATURE-BASED INTRUSION DETECTION SYSTEM FOR IoT NETWORK SECURITYComputer Science and EngineeringShrinidhi Hegde Download
A Deep Learning Framework for Mood-Based Music Recommendation via Facial Expression AnalysisComputer Vaibhav Ashok Bhangare Download
GREEN NETWORKING: ENERGY-EFFICIENT PROTOCOLS AND SUSTAINABLE NETWORK DESIGN: A COMPREHENSIVE REVIEWComputer Science and EngineeringPradeep Nayak Download
DIABETIC RETINOPATHY DETECTION USING MACHINE LEARNINGComputer EngineeringSiddharth Shukracharya Rokade Download
PERSONALITY PREDICTION USING MLComputer EngineeringTanvi Dashrath Bhagat Download
Crop Disease Detectioncomputer Mansi Sunil Sansare Download
NEXT-GEN PLANT DISEASE DIAGNOSIS WITH GEN-AI AND DEEP LEARNINGComputer ScienceGuruprasad K Download
GEN-AI POWERED PIGEON PEA LEAF-DISEASE DETECTION USING DEEP-LEARNING AND COMPUTER-VISIONComputer ScienceRajshekar G Download
GEN-AI POWERED LIVER-DISEASE DETECTION USING DEEP-LEARNING AND COMPUTER-VISIONComputer ScienceDhananjay M Download
Fake Review Detection on Amazon Dataset Using Classification TechniquesMachine LearningVishwajeet Kumar Download
Securing mobile networks:Identifying hijacking in opportunistic scenariosComputer engineeringKiran D Hosagoudar Download
The integration of artificial intelligence in web developmentComputer EngineeringRashmi M R Download
Intelligent Health Diagnosis Techniques Exploiting Automatic Ontology Generation and Web-Based Personal Health Record ServicesComputer ScienceMd Nafis Alam Download
Intelligent Allocation of Urban Parking Spaces Using Computational Learning Modelscomputer ApplicationMANOJ H N Download
12