scholarly journals Customer Loan Approval Prediction Using Logistic Regression

2021 ◽  
Author(s):  
Mahankali Gopinath ◽  
K. Srinivas Shankar Maheep ◽  
R. Sethuraman
Keyword(s):  
Logistic Regression ◽  
Urban Development ◽  
Banking Sector ◽  
Income Sources ◽  
Credit History ◽  
The Status ◽  
Loan Approval ◽  
Loan Amount

Banking Sector contains loan where it is a process of lending or borrowing a sum of money by one or more individuals, organizations, etc. from Banks. The Person who lends that money from respective financier incurs a debt, and he is responsible to pay back the money with the Interest decided by Bank within a certain period. Generally what Bank’s look into before applying for a loan is Credit History, Credit loss and Income of Applicant. So basically,loans play a major role regarding Income for Bank. Due to rapid urban development people who are applying for loans got increased rapidly. Therefore, finding the applicant to whom loan can be approved become a complexed process. In this paper, we want to predict the loan eligibility based on details of the customer. Fields that required are Matrimonial Status, Income, Education, Loan Amount, Credit History and other income sources of Applicant dependants. To predict the status, we will use Logistic Regression to spot the eligible applicants so bank will engage with them for granting loans to those people who can payback in a given time.

scholarly journals Demonetisation Impact over Banking Loans & Advances: A Case Study

2019 ◽  
Vol 7 (4) ◽  
pp. 51-64
Author(s):  
Narsaiah Neralla
Keyword(s):  
Financial Services ◽  
Banking Sector ◽  
Study Data ◽  
Ecosystem Dynamics ◽  
Banking Services ◽  
Legal Tender ◽  
The Status ◽  
The Government ◽  
Case Study Data

The demonetisation footstep by the Government of India twisted complicated influences in the economy. Complete sectors of the economy had faced and produced mixed sensation results over the decision of demonetisation. India’s financial services struggled with demonetisation; on the other hand demonetisation affects utmost over the banking sector because it is substantial influenced services to transform money circulation in an Indian economy. Eradicating components of currency notes from circulation in an economy is demonetisation. It is as the processes of components of money are denied the status of legal tender. Consequently, ceased currency notes will not be account as valid currency in an economy. The term ‘demonetization’ is an instrument to shrink Inflation, Black Money, Corruption and terror funding, this step discourages a cash dependent economy in India. Government of India drive towards demonetisation has given a strong push to the popularity of digital banking and made helps with the alternative arrangements of e-banking and e –wallet to trade and commerce. Exploring the demonetisation emergence in an economy and impact on banking services ecosystem dynamics, this study take an abductive approach anchored in over 4 years of case study data regarding. The present study foremost intention is to be analysing the demonetisation impact over banking loans and advances. In this regard the present study is to be examining the pre demonetisation and post demonetisation period.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PEROLEHAN KREDIT OLEH PENGUSAHA MIKRO

2018 ◽  
Vol 4 (3) ◽  
Author(s):  
Abdul Azis Safii ◽  
Tri Suwarno
Keyword(s):  
Logistic Regression ◽  
Regression Model ◽  
Large Scale ◽  
Logistic Regression Model ◽  
Banking Sector ◽  
Binary Logistic Regression ◽  
Binary Logistic Regression Model ◽  
Access To Credit ◽  
The Poor ◽  
Micro Enterprises

Abstract: The number of micro-entrepreneurs and the dominant number of micro enterprises compared to medium and large-scale enterprises in Indonesia are not balanced by the provision of access to credit and venture capital for micro businesses. This resulted in a micro-sector sector identical to the poor being vulnerable to exploitation by moneylenders who exploit the difficulties of micro entrepreneurs accessing credit from the banking sector. This study examines the factors that determine the accessibility of credit by micro entrepreneur in Bojonegoro regency. A total sum of 270 micro entrepreneurs who have applied for banking loan were sampled from the study area. With an binary logistic regression model the research resulting that education, skill on entrepreneur, and monthly net profits generated by the microenterprise are significant in determining the accessibility of microcredit. Keywords: micro entrepreneur, microcredit, credit accessibility Abstrak: Perkembangan jumlah pengusaha mikro serta dominannya jumlah usaha mikro dibandingkan dengan usaha menengah dan usaha besar di Indonesia, tidak diimbingi dengan penyediaan akses kredit dan modal usaha bagi para pelaku usaha mikro. Hal tersebut mengakibatkan sektor usaha mikro yang identik dengan masyarakat miskin rentan dieksploitasi oleh rentenir yang memanfaatkan sulitnya para pengusaha mikro mengakses kredit dari sektor perbankan. Penelitian ini menggunakan data primer yang di ambil langsung dari pengusaha mikro dengan teknik kuesioner. Analisis data dengan metode binary logistic regression mendapatkan hasil variabel yang berpengaruh signifikan terhadap akses kredit para pengusaha mikro adalah variabel usia pengusaha, laba bersih usaha tiap bulan, dan jumlah karyawan yang di pekerjakan. Kata kunci : usaha mikro, microcredit, akses kredit

Perceived Institutional Campus Image and its Entrance Edifice

2018 ◽  
Vol 43 (3) ◽  
pp. 52-58
Author(s):  
Babu Rajeswaran ◽  
Thirumaran Kesavaperumal
Keyword(s):  
Logistic Regression ◽  
Visual Perception ◽  
Regression Model ◽  
Logistic Regression Model ◽  
Belief System ◽  
Architectural Elements ◽  
The Status ◽  
Physical Features

Entrance edifice of the institutional campus artifice as the visible representation of status in their society. The design shall stand to show the status of the person who develops the setting, it could signify the power of the person or the entire place, and it could sometimes support certain cosmological belief system that prevails in that culture too. This study intended to identify the entrance edifice Physical features that influence observer's perception of the image of the institutional campus. To accomplish this, physical features of the entrance edifice and its characters were identified and developed into questionnaire material. A logistic regression model was adopted to analyze the Physical features of Entrance Edifice. The findings found the followings: (i) Physical features of Entrance Edifice influence the Visual perception of the Institutional Campus. (ii) The Physical features were found to impact the Visual perception of the Institutional campus in the order of Form Identity, Architectural Elements, Scale and Portion, color and material. These variances are based on the observers' perception, which can be integrated into the Institutional Campus Entrance Edifice design to strengthen the Image of the Institutional campus. It is clear that Entrance Edifices have the potential to build the image for a greater content and purpose through its Form Identity, Architectural Elements, Scale and Portion, color and material. Nevertheless, the entrance design could be a powerful element to build up the image of the physical settings it serves.

Predictive Loan Approval Model Using Logistic Regression

2021 ◽  
pp. 715-722
Author(s):  
Aiswarya Priyadarsini Behera ◽  
Siddharth Swarup Rautaray ◽  
Manjusha Pandey ◽  
Mahendra Kumar Gourisaria
Keyword(s):  
Logistic Regression ◽  
Loan Approval

scholarly journals Spatial Patterns and Driving Forces of Conflicts among the Three Land Management Red Lines in China: A Case Study of the Wuhan Urban Development Area

2019 ◽  
Vol 11 (7) ◽  
pp. 2025
Author(s):  
Yang Zhang ◽  
Yanfang Liu ◽  
Yan Zhang ◽  
Xuesong Kong ◽  
Ying Jing ◽  
...  
Keyword(s):  
Logistic Regression ◽  
Urban Development ◽  
Spatial Patterns ◽  
Land Management ◽  
Driving Forces ◽  
Sustainable Urban Development ◽  
Construction Land ◽  
Urban Rural ◽  
Development Area

The delimitation of three land management red lines (LMRLs), which refers to urban growth boundaries (UGBs), ecological protection redlines (EPRs), and basic farmland protection zones (BFPZs), has been regarded as a control method for promoting sustainable urban development in China. However, in many Chinese cities, conflicts extensively exist among the three LMRLs in terms of spatial partitioning. This study clarifies the connotation of conflicts among the three LMRLs. Moreover, a red line conflict index (RLCI) is established to characterize the intensity of conflicts among the three LMRLs. The Wuhan Urban Development Area (WUDA) is used for a case study, in which the spatial patterns of the three types of conflicts among the three LMRLs (i.e., conflicts between EPRs and BFPZs, EPRs and UGBs, and UGBs and BFPZs) are analyzed through numerous spatial statistical analysis methods (including spatial autocorrelation, urban-rural gradient, and landscape pattern analyses). In addition, the driving forces of these conflicts are identified from the perspectives of natural physics, socioeconomic development, neighborhood, policy and planning using three binary logistic regression models. Results show that the conflicts between EPRs and BFPZs, EPRs and UGBs, and UGBs and BFPZs are mainly distributed on the edge of the WUDA, inside Wuhan’s third circulation line, and at the urban–rural transition zone, respectively. The patch of conflict between BFPZs and UGBs has the lowest aggregation degree, the highest fragmentation degree, and the most complex shape. Logistic regression results show that the combination and relative importance of driving factors vary in the three types of conflicts among the three LMRLs. In the conflict between EPRs and BFPZs, the distance to city centers is the most important influencing factor, followed by the proportion of ecological land and elevation. In the conflict between UGBs and EPRs, the proportion of construction land, the distance to city centers, and whether the land unit is within the scope of a restricted development zone are the three most important factors. The proportion of construction land, the distances to the Yangtze and Han Rivers, and the proportion of cultivated land significantly influence the conflict between UGBs and BFPZs. This study aids in our understanding of the causes and mechanisms of conflicts among the three LMRLs, and provides important information for the “integration of multi-planning” and land management in Wuhan and similar cities.

Status of Corporate Social Responsibility Practices in Nepal

2020 ◽  
Vol 2 (1) ◽  
pp. 1-12
Author(s):  
Bal Ram Chapagain
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Banking Sector ◽  
Small Sample ◽  
Moderate Level ◽  
Survey Method ◽  
Significant Difference ◽  
The Status ◽  
The Government ◽  
Corporate Social

Background: Although there has been a significant interest in corporate social responsibility (CSR) in recent years, there is lack of adequate studies regarding the status of CSR practices in Nepal. The existing studies generally suffer from the narrow conceptualization of CSR, focus on selected companies or industry sector only and from the relatively small sample size. Objectives: This paper aims to identify the status of CSR practices in the Nepalese context. Methods: This study uses questionnaire survey method by taking a sample of 168 listed companies of Nepal representing diverse industry sectors. Descriptive statistics, one-way ANNOVA and t-test have been used to analyze the collected data. Results: The overall status of CSR practices in Nepal is above the moderate level. The most common CSR practices in Nepal relate to corporate governance as well as customers whereas the least common CSR practices include environment and community related activities. Likewise, level of CSR practices is significantly higher among large firms compared to small and medium sized enterprises (SMEs). However, there is no significant difference on the status of CSR practices between banking sector and non-banking sector firms. Conclusions: While the overall status of CSR practices in Nepal is above the moderate level, Nepalese companies are not paying adequate attention on community and environment related issues. The results also indicate that size of the firm tend to affect the level of CSR practices in the Nepalese context though the difference on CSR practices between small and medium sized firms is not statistically significant. Implications: The government and policy makers may consider giving tax exemption or any other clearly spelled out incentives particularly to the environment and community related CSR activities. Likewise, managers and other stakeholders including the government may focus on identifying and overcoming the barriers for CSR practices among SMEs in Nepal.

scholarly journals Prediction of Antidepressant Treatment Response and Remission Using an Ensemble Machine Learning Framework

2020 ◽  
Vol 13 (10) ◽  
pp. 305
Author(s):  
Eugene Lin ◽  
Po-Hsiu Kuo ◽  
Yu-Li Liu ◽  
Younger W.-Y. Yu ◽  
Albert C. Yang ◽  
...  
Keyword(s):  
Machine Learning ◽  
Logistic Regression ◽  
Feature Selection ◽  
Treatment Response ◽  
Antidepressant Treatment ◽  
Learning Framework ◽  
Antidepressant Treatments ◽  
Ensemble Machine Learning ◽  
Predictive Algorithms ◽  
The Status

In the wake of recent advances in machine learning research, the study of pharmacogenomics using predictive algorithms serves as a new paradigmatic application. In this work, our goal was to explore an ensemble machine learning approach which aims to predict probable antidepressant treatment response and remission in major depressive disorder (MDD). To discover the status of antidepressant treatments, we established an ensemble predictive model with a feature selection algorithm resulting from the analysis of genetic variants and clinical variables of 421 patients who were treated with selective serotonin reuptake inhibitors. We also compared our ensemble machine learning framework with other state-of-the-art models including multi-layer feedforward neural networks (MFNNs), logistic regression, support vector machine, C4.5 decision tree, naïve Bayes, and random forests. Our data revealed that the ensemble predictive algorithm with feature selection (using fewer biomarkers) performed comparably to other predictive algorithms (such as MFNNs and logistic regression) to derive the perplexing relationship between biomarkers and the status of antidepressant treatments. Our study demonstrates that the ensemble machine learning framework may present a useful technique to create bioinformatics tools for discriminating non-responders from responders prior to antidepressant treatments.

scholarly journals Sistem Informasi Peminjaman Barang Berbasis Web dengan Metode Waterfall

MIND Journal ◽  
2021 ◽  
Vol 5 (1) ◽  
pp. 14-23
Author(s):  
MUHAMMAD NUGRAHA ◽  
JAMALUDIN YASKURNIAAM
Keyword(s):  
Information System ◽  
System Design ◽  
Routine Activity ◽  
Web Based ◽  
Development System ◽  
Laboratory Staff ◽  
The Status ◽  
System Information ◽  
Loan Approval

AbstrakProses peminjaman barang untuk keperluan praktikum merupakan aktifitas yang rutin dilakukan. Pada umumnya peminjaman barang dilakukan oleh mahasiswa atau dosen kepada staf laboratorium dengan mengisi form peminjaman secara tertulis. Namun dalam proses peminjaman tersebut ada kalanya staf laboratorium kewalahan ketika proses peminjaman barang banyak sekali karena staf laboratorium harus mengecek keberadaan barang satu persatu secara manual. Oleh karena permasalahan tersebut maka pada penelitian ini akan didesain dan dibangun sistem informasi peminjaman barang berbasis web yang berfungsi untuk mempermudah staf laboratorium dalam pengelolaan data barang. Dengan sistem informasi peminjaman barang proses pengajuan peminjaman, persetujuan peminjaman, monitoring barang, dan pencarian status barang bisa dengan mudah dan cepat dilakukan. Metode pembangunan sistem yang digunakan pada penelitian ini menggunakan metode Waterfall, dan untuk desain sistem menggunakan UML (Unified Modelling Languange). Hasil akhir dari penelitian ini berupa sistem informasi peminjaman barang berbasis web dengan menggunakan framework Codeigniter 4 yang dapat mempermudah proses pengelolaan peminjaman barang.Kata kunci: sistem, informasi, peminjaman, Codeigniter, webAbstractThe borrowing process goods for practicum is a routine activity. Generally, the lending of goods is carried out by students to laboratory staff by filling out the loan form manually. However, in the lending process, sometimes laboratory staff is overwhelmed when the process of borrowing a lot because the laboratory staff has to check the items manually. Base on these problems, this research will develop a web-based information system for lending goods to facilitate laboratory staff in managing data of goods. With this information system for borrowing goods, the process of applying for loans, loan approval, monitoring of goods, and searching for the status of goods can be done easily and quickly. The method of development system using Waterfall, and system design using UML. The final result of this research is a web-based information system for lending goods using the Codeigniter 4 framework, which can simplify managing lending of goods.Keywords: system, information, loan, Codeigniter, web 

scholarly journals PERBANDINGAN ANTARA METODE CART (CLASSIFICATION AND EGRESSION TREE) DAN REGRESI LOGISTIK (LOGISTIC REGRESSION) DALAM MENGKLASIFIKASIKAN PASIEN PENDERITA DBD (DEMAM BERDARAH DENGUE)

2018 ◽  
Vol 15 (1) ◽  
pp. 98-107
Author(s):  
R Lestawati ◽  
Rais Rais ◽  
I T Utami
Keyword(s):  
Logistic Regression ◽  
Statistical Methods ◽  
Parametric Method ◽  
Parametric Methods ◽  
Classification Methods ◽  
Classification Result ◽  
The Status ◽  
Classification Table ◽  
Non Parametric

Classification is one of statistical methods in grouping the data compiled systematically. The classification of an object can be done by two approaches, namely classification methods parametric and non-parametric methods. Non-parametric methods is used in this study is the method of CART to be compared to the classification result of the logistic regression as one of a parametric method. From accuracy classification table of CART method to classify the status of DHF patient into category of severe and non-severe exactly 76.3%, whereas the percentage of truth logistic regression was 76.7%, CART method to classify the status of DHF patient into categories of severe and non-severe exactly 76.3%, CART method yielded 4 significant variables that hepatomegaly, epitaksis, melena and diarrhea as well as the classification is divided into several segmens into a more accurate whereas the logistic regression produces only 1 significant variables that hepatomegaly

scholarly journals Evaluating the Processes of Management of Credit Portfolio of JSC CB «PrivatBank»

2020 ◽  
Vol 10 (513) ◽  
pp. 325-332
Author(s):  
N. P. Pohorelenko ◽  
◽  
A. Y. Yurchenko ◽  
Keyword(s):  
Portfolio Management ◽  
Banking Sector ◽  
Analytical Data ◽  
Bank Lending ◽  
Financial Indicators ◽  
The Status ◽  
Credit Portfolio ◽  
Research Period ◽  
Credit Portfolio Management

The article is aimed at studying the status and structure of the credit portfolio of JSC CB «PrivatBank», also evaluating the processes of management of the bank’s credit portfolio through the computation of the coefficient of credit portfolio management efficiency. While analyzing financial indicators, a consideration and a research of the status of bank lending in modern conditions of the national economy of Ukraine were carried out. The reasons for reducing the proportion of the credit portfolio in the GDP structure during the research period are summarized. The fundamental principles of the credit portfolio management of JSC CB «PrivatBank» were analyzed in accordance with the «Regulation on credit policy». As a result of the research, the analysis of the main analytical indicators of credit portfolio management was accomplished, the structure of the credit portfolio and the structure of the bank’s portfolio credit quality during 2016-2019 were determined. On the basis of analytical data, the coefficient of efficiency of management of the bank’s credit portfolio was computed. Actual problems affecting the process of management of the bank’s credit portfolio were considered. The indicators of the efficiency of credit portfolio management of JSC CB «PrivatBank» for 2016-2019 are computed. It is determined that the key challenges for both the researched bank in particular and the banking sector in general remain a high proportion of non-performing loans. Decisive actions on the part of the management of JSC CB «PrivatBank» will help to improve the structure of the credit portfolio and reduce the amount of troubled debts of the bank. Ways to solve problems of improvement and enhancing the quality of credit activity of the bank are prospects for further research.

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