Essays about: "loan thesis"

Showing result 21 - 25 of 143 essays containing the words loan thesis.

  1. 21. Comparison of Logistic Regression and an Explained Random Forest in the Domain of Creditworthiness Assessment

    University essay from KTH/Skolan för elektroteknik och datavetenskap (EECS)

    Author : Marcus Ankaräng; Jakob Kristiansson; [2021]
    Keywords : Classification; Creditworthiness; Explainable Artificial Intelligence; Logistic Regression; Machine Learning; Random Forest; SHAP; XAI;

    Abstract : As the use of AI in society is developing, the requirement of explainable algorithms has increased. A challenge with many modern machine learning algorithms is that they, due to their often complex structures, lack the ability to produce human-interpretable explanations. READ MORE

  3. 22. Financing higher education in Tanzania: Exploring Challenges and potential student loan models

    University essay from Lunds universitet/Innovationsteknik

    Author : Carl Johansson; Jacob Lundborg Ander; [2021]
    Keywords : Technology and Engineering;

    Abstract : The demand for higher education is quickly rising in the Sub-Saharan Africa region and the question of giving access to all members of society often comes down to financing. Many countries, including Tanzania, have opted for cost-sharing policies where the cost of education is split between the state and the individuals - leaving many without the possibility of attending higher education. READ MORE

  4. 23. Predicting Subprime Customers' Probability of Default Using Transaction and Debt Data from NPLs

    University essay from KTH/Matematisk statistik

    Author : Lai-Yan Wong; [2021]
    Keywords : Credit Scoring Model; Probability of Default; Payment Behaviour; Subprime Customer; Non-performing Loan; Logistic Regression; Regularization; Feature Selection; Kreditvärdighetsmodell; Sannolikhet för Fallissemang; Betalningsbeteende; Högriskkunder; Nödlidandelån; Logistik Regression; Regularisering; Variabelselektion;

    Abstract : This thesis aims to predict the probability of default (PD) of non-performing loan (NPL) customers using transaction and debt data, as a part of developing credit scoring model for Hoist Finance. Many NPL customers face financial exclusion due to default and therefore are considered as bad customers. READ MORE

  5. 24. Statistical Credit Rating with Survival Regression & Gradient Boosting

    University essay from KTH/Optimeringslära och systemteori

    Author : Simon Norell; [2021]
    Keywords : ;

    Abstract : This thesis concerns the application of statistical modelling of credit risk in corporate borrowers using historical loan data from the Swedish export credit agency Exportkreditnämnden (EKN). Survival Regression in general and the Cox Proportional Hazard (CoxPH) model in particular is presented as a framework applicable to corpoate default and better suited than classification for modeling the binary default outcome of risk exposure data with inconsistent exposure times. READ MORE

  6. 25. SUPPORT VECTOR MACHINE VS. LOGISTIC REGRESSION FOR PREDICTING MORTGAGE DEFAULTS

    University essay from Lunds universitet/Matematisk statistik

    Author : Aram Olvbo; [2021]
    Keywords : Technology and Engineering;

    Abstract : Mortgage loan providers estimate the credit risks it caries when approving a mortgage loan to their clients. Further, defaulting a mortgage loan is a risk that has been calculated through decades using statistical models. READ MORE