{"id":"https://openalex.org/W7225653187","doi":"https://doi.org/10.55041/ijsmt.v2i11.014","title":"Predictive Analytics for Credit Risk Assessment: A Machine Learning Approach to Loan Default Prediction","display_name":"Predictive Analytics for Credit Risk Assessment: A Machine Learning Approach to Loan Default Prediction","publication_year":2026,"publication_date":"2026-11-09","ids":{"openalex":"https://openalex.org/W7225653187","doi":"https://doi.org/10.55041/ijsmt.v2i11.014"},"language":"en","primary_location":{"id":"doi:10.55041/ijsmt.v2i11.014","doi":"https://doi.org/10.55041/ijsmt.v2i11.014","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijsmt.v2i11.014","pdf_url":"https://ijsmt.org/wp-content/uploads/2026/11/Predictive-Analytics-for-Credit-Risk-Assessment-A-Machine-Learning-Approach-to-Loan-Default-Prediction.pdf","source":{"id":"https://openalex.org/S7407053991","display_name":"International Journal of Science Strategic Management and Technology","issn_l":"3108-1762","issn":["3108-1762"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Science, Strategic Management and Technology","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"bronze","oa_url":"https://ijsmt.org/wp-content/uploads/2026/11/Predictive-Analytics-for-Credit-Risk-Assessment-A-Machine-Learning-Approach-to-Loan-Default-Prediction.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5161311642","display_name":"A. Anuraag","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"A. Anuraag","raw_affiliation_strings":["Department of Commerce Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce,  Sainikpuri, Secunderabad"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Commerce Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce,  Sainikpuri, Secunderabad","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5135259579","display_name":"Eguri Helen Senorita","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Eguri Helen Senorita","raw_affiliation_strings":["Department of Commerce Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce,  Sainikpuri, Secunderabad"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Commerce Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce,  Sainikpuri, Secunderabad","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5134126845","display_name":"Kalyani Gorti","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Dr. Kalyani Gorti","raw_affiliation_strings":["Department of Commerce Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce,  Sainikpuri, Secunderabad"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Commerce Bhavan\u2019s Vivekananda College of Science, Humanities and Commerce,  Sainikpuri, Secunderabad","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"02","issue":"11","first_page":"1","last_page":"9"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9990000128746033,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11652","display_name":"Imbalanced Data Classification Techniques","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T13373","display_name":"Data Mining and Machine Learning Applications","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-risk-assessment","display_name":"credit risk assessment","score":0.9860000014305115},{"id":"https://openalex.org/keywords/loan-default-prediction","display_name":"loan default prediction","score":1.0},{"id":"https://openalex.org/keywords/predictive-analytics","display_name":"predictive analytics","score":0.7269999980926514},{"id":"https://openalex.org/keywords/random-forest","display_name":"random forest","score":0.9380000233650208},{"id":"https://openalex.org/keywords/decision-tree","display_name":"decision tree","score":0.9259999990463257},{"id":"https://openalex.org/keywords/logistic-regression","display_name":"logistic regression","score":1.0},{"id":"https://openalex.org/keywords/borrower-characteristics","display_name":"borrower characteristics","score":0.7929999828338623},{"id":"https://openalex.org/keywords/credit-history","display_name":"credit history","score":0.953000009059906},{"id":"https://openalex.org/keywords/financial-decision-making","display_name":"financial decision-making","score":0.5189999938011169},{"id":"https://openalex.org/keywords/model-comparison","display_name":"model comparison","score":0.4009999930858612}],"concepts":[{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.7865999937057495},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.7020999789237976},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.671500027179718},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.6658999919891357},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5986999869346619},{"id":"https://openalex.org/C84525736","wikidata":"https://www.wikidata.org/wiki/Q831366","display_name":"Decision tree","level":2,"score":0.5918999910354614},{"id":"https://openalex.org/C151956035","wikidata":"https://www.wikidata.org/wiki/Q1132755","display_name":"Logistic regression","level":2,"score":0.5792999863624573},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.5547000169754028},{"id":"https://openalex.org/C45804977","wikidata":"https://www.wikidata.org/wiki/Q7239673","display_name":"Predictive modelling","level":2,"score":0.47909998893737793},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.4659000039100647},{"id":"https://openalex.org/C136389625","wikidata":"https://www.wikidata.org/wiki/Q334384","display_name":"Supervised learning","level":3,"score":0.41019999980926514},{"id":"https://openalex.org/C2779806880","wikidata":"https://www.wikidata.org/wiki/Q778470","display_name":"Probability of default","level":3,"score":0.3930000066757202},{"id":"https://openalex.org/C100776233","wikidata":"https://www.wikidata.org/wiki/Q2532492","display_name":"Bridge (graph theory)","level":2,"score":0.367000013589859},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.36250001192092896},{"id":"https://openalex.org/C148524875","wikidata":"https://www.wikidata.org/wiki/Q6975395","display_name":"F1 score","level":2,"score":0.3621000051498413},{"id":"https://openalex.org/C79158427","wikidata":"https://www.wikidata.org/wiki/Q485396","display_name":"Analytics","level":2,"score":0.3578000068664551},{"id":"https://openalex.org/C83209312","wikidata":"https://www.wikidata.org/wiki/Q1053367","display_name":"Predictive analytics","level":2,"score":0.31360000371932983},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.313400000333786},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.30300000309944153},{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.28529998660087585},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.27489998936653137},{"id":"https://openalex.org/C2778136018","wikidata":"https://www.wikidata.org/wiki/Q10350689","display_name":"Predictive power","level":2,"score":0.26910001039505005},{"id":"https://openalex.org/C83546350","wikidata":"https://www.wikidata.org/wiki/Q1139051","display_name":"Regression","level":2,"score":0.25600001215934753},{"id":"https://openalex.org/C133930124","wikidata":"https://www.wikidata.org/wiki/Q1460730","display_name":"Loss given default","level":4,"score":0.2526000142097473},{"id":"https://openalex.org/C12267149","wikidata":"https://www.wikidata.org/wiki/Q282453","display_name":"Support vector machine","level":2,"score":0.2524999976158142}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.55041/ijsmt.v2i11.014","doi":"https://doi.org/10.55041/ijsmt.v2i11.014","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijsmt.v2i11.014","pdf_url":"https://ijsmt.org/wp-content/uploads/2026/11/Predictive-Analytics-for-Credit-Risk-Assessment-A-Machine-Learning-Approach-to-Loan-Default-Prediction.pdf","source":{"id":"https://openalex.org/S7407053991","display_name":"International Journal of Science Strategic Management and Technology","issn_l":"3108-1762","issn":["3108-1762"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Science, Strategic Management and Technology","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.55041/ijsmt.v2i11.014","doi":"https://doi.org/10.55041/ijsmt.v2i11.014","is_oa":true,"landing_page_url":"https://doi.org/10.55041/ijsmt.v2i11.014","pdf_url":"https://ijsmt.org/wp-content/uploads/2026/11/Predictive-Analytics-for-Credit-Risk-Assessment-A-Machine-Learning-Approach-to-Loan-Default-Prediction.pdf","source":{"id":"https://openalex.org/S7407053991","display_name":"International Journal of Science Strategic Management and Technology","issn_l":"3108-1762","issn":["3108-1762"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Science, Strategic Management and Technology","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225653187.pdf","grobid_xml":"https://content.openalex.org/works/W7225653187.grobid-xml"},"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7076812596","https://openalex.org/W2913377715","https://openalex.org/W7140369138","https://openalex.org/W7124158310","https://openalex.org/W7216641662","https://openalex.org/W4410427859","https://openalex.org/W4324117301","https://openalex.org/W4413738030","https://openalex.org/W4396908505","https://openalex.org/W7161364277"],"abstract_inverted_index":{"The":[0,87],"integration":[1],"of":[2,54],"Machine":[3,43,55,174],"Learning":[4,56,175],"(ML)":[5],"into":[6],"financial":[7,11,187],"decision-making":[8],"helps":[9,45],"the":[10,52,69,131,156,171],"to":[12,34,58,80],"strengthen":[13],"credit-risk":[14,182],"assessment":[15,22,183],"and":[16,29,40,77,101,104,112,184],"improve":[17],"lending":[18],"decisions.":[19,188],"Traditional":[20],"credit":[21],"methods":[23],"that":[24,47],"depend":[25],"on":[26],"fixed":[27],"criteria":[28],"historical":[30],"records,":[31,68],"often":[32],"struggle":[33],"capture":[35],"complex":[36],"relationships":[37],"among":[38],"borrower":[39,72],"loan":[41,59,67],"characteristics.":[42],"learning":[44,93],"bridge":[46],"gap.":[48],"This":[49],"study":[50,70,88],"examined":[51],"application":[53],"techniques":[57],"default":[60,85],"prediction.":[61],"Using":[62],"a":[63,177],"dataset":[64],"comprising":[65],"45,000":[66],"analysed":[71],"demographic,":[73],"financial,":[74],"employment,":[75],"credit-history":[76],"loan-related":[78],"characteristics":[79],"identify":[81],"factors":[82],"associated":[83],"with":[84],"risk.":[86],"applies":[89],"three":[90],"supervised":[91],"machine":[92],"classification":[94],"models":[95,162],"namely":[96],"Logistic":[97,145],"Regression,":[98],"Decision":[99,128],"Tree,":[100],"Random":[102,114,153],"Forest":[103,115,154],"compared":[105],"results":[106],"using":[107],"accuracy,":[108,120],"precision,":[109,122],"recall,":[110],"F1-score":[111],"ROC-AUC.":[113,152],"performed":[116,148],"best":[117],"overall":[118,158],"(92.69%":[119],"88.19%":[121],"81.51%":[123],"F1-score,":[124],"97.04%":[125],"ROC-AUC),":[126],"while":[127],"Tree":[129],"achieved":[130],"highest":[132],"recall":[133],"(77.46%":[134],"vs.":[135],"75.77%),":[136],"making":[137],"it":[138],"slightly":[139],"better":[140,186],"at":[141],"identifying":[142],"actual":[143],"defaulters.":[144],"Regression":[146],"also":[147],"well,":[149],"reaching":[150],"94.95%":[151],"offers":[155],"strongest":[157],"performance,":[159],"but":[160],"higher-recall":[161],"are":[163],"valuable":[164],"when":[165],"minimizing":[166],"missed":[167],"high-risk":[168],"borrowers":[169],"is":[170],"priority.":[172],"Overall,":[173],"proved":[176],"practical":[178],"tool":[179],"for":[180],"strengthening":[181],"supporting":[185]},"counts_by_year":[],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2026-11-10T00:00:00"}