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Showing result 1 - 5 of 116 essays matching the above criteria.

1. 1. Explainable Artificial Intelligence and its Applications in Behavioural Credit Scoring

   University essay from Stockholms universitet/Institutionen för data- och systemvetenskap

   Author : Robert Iain Salter; [2023]
   Keywords : Behavioural Credit Scoring; Deep Learning; Machine Learning; Long Short-Term Memory; Default Prediction;

   Abstract : Credit scoring is critical for banks to evaluate new loan applications and monitor existing customers. Machine learning has been extensively researched for this case; however, the adoption of machine learning methods is minimal in financial risk management. READ MORE

3. 2. Unraveling earnings management: A comprehensive analysis of loan loss provisions under IFRS 9 and the influence of executive remuneration

   University essay from Handelshögskolan i Stockholm/Institutionen för redovisning och finansiering

   Author : August Forsell; Daan van Elk; [2023]
   Keywords : Loan loss provisions; Banks; IFRS 9; Earnings management; Executive remuneration;

   Abstract : This study examines what impact the change from the Incurred Loss (IL) model under IAS 39 to the Expected Credit Loss (ECL) model under IFRS 9 had on earnings management through loan loss provisions (LLP). By studying a sample of listed European banks, our findings suggest that CEOs manage earnings through LLP but with different loss recognition practices under the two accounting regimes, recognizing fewer LLP under IAS 39 and more under IFRS 9. READ MORE

4. 3. Are concessional state loans available to every SME? - Challenges and opportunities in the provision of concessional state loans for micro and small businesses engaged in tourism in the regions of Azerbaijan

   University essay from Lunds universitet/Institutionen för kulturgeografi och ekonomisk geografi; Lunds universitet/LUMID International Master programme in applied International Development and Management

   Author : Elmar Hajiyev; [2023]
   Keywords : Tourism and development; Micro and small businesses; Access to finance; Concessional state loans; Environmental factors; Supply-side factors; Demand-side factors; Social Sciences;

   Abstract : Tourism is considered one of the main driving forces of economic growth. At the same time, micro and small businesses play a vital role in the development of the tourism sector as a supply side. Also, the development of entrepreneurial activity directly depends on internal and external financial resources. READ MORE

5. 4. From Data to Decision: : Using Logistic Regression to Determine Creditworthiness

   University essay from KTH/Matematisk statistik

   Author : Joel Norling; Sami Abdu; [2023]
   Keywords : Bachelor Thesis; Scorecard modeling; Mathematical Statistics; Logistic Regression; Consumer Credits; Binning; Kandidatuppsats; Scorecard-modellering; Matematisk statistik; Logistisk regression; Konsumentkrediter; Binning;

   Abstract : The development of scorecards for customer credit rating is a well-established field in the financial sector. The aim of this project, conducted in collaboration with a Swedish credit institute, was to develop a statistical model for predicting customer performance. READ MORE

6. 5. Hållbarhetscertifiering : effekter på värdekedjan av byggmaterial

   University essay from SLU/Dept. of Forest Economics

   Author : Sofia Andersson; [2023]
   Keywords : effekter på värdekedjan; fallstudie; frivilliga hållbarhetscertifieringar för byggnader i Sverige; hållbar utveckling; ; standarder;

   Abstract : En av vår tids stora utmaningar handlar om att möta klimatkrisen och ökade krav på levnadsstandard hos en växande global befolkning. Allt fler flyttar från rurala till urbana områden, vilket pressar bostadsmarknader världen över. READ MORE