{"id":"https://openalex.org/W4386639378","doi":"https://doi.org/10.1080/00207543.2023.2257807","title":"Knowledge graph driven credit risk assessment for micro, small and medium-sized enterprises","display_name":"Knowledge graph driven credit risk assessment for micro, small and medium-sized enterprises","publication_year":2023,"publication_date":"2023-09-12","ids":{"openalex":"https://openalex.org/W4386639378","doi":"https://doi.org/10.1080/00207543.2023.2257807"},"language":"en","primary_location":{"id":"doi:10.1080/00207543.2023.2257807","is_oa":false,"landing_page_url":"https://doi.org/10.1080/00207543.2023.2257807","pdf_url":null,"source":{"id":"https://openalex.org/S65690446","display_name":"International Journal of Production Research","issn_l":"0020-7543","issn":["0020-7543","1366-588X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547"],"host_organization_lineage_names":["Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Production Research","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5026349606","display_name":"Rony Mitra","orcid":"https://orcid.org/0000-0003-1179-7740"},"institutions":[{"id":"https://openalex.org/I145894827","display_name":"Indian Institute of Technology Kharagpur","ror":"https://ror.org/03w5sq511","country_code":"IN","type":"education","lineage":["https://openalex.org/I145894827"]},{"id":"https://openalex.org/I150870154","display_name":"Indian Institute of Management Ahmedabad","ror":"https://ror.org/02egcpy68","country_code":"IN","type":"education","lineage":["https://openalex.org/I150870154"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Rony Mitra","raw_affiliation_strings":["Indian Institute of Management, Mumbai, India","Indian Institute of Technology Kharagpur, Kharagpur, India"],"raw_orcid":"https://orcid.org/0000-0003-1179-7740","affiliations":[{"raw_affiliation_string":"Indian Institute of Management, Mumbai, India","institution_ids":["https://openalex.org/I150870154"]},{"raw_affiliation_string":"Indian Institute of Technology Kharagpur, Kharagpur, India","institution_ids":["https://openalex.org/I145894827"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5109637723","display_name":"Ayush Dongre","orcid":null},"institutions":[{"id":"https://openalex.org/I145894827","display_name":"Indian Institute of Technology Kharagpur","ror":"https://ror.org/03w5sq511","country_code":"IN","type":"education","lineage":["https://openalex.org/I145894827"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Ayush Dongre","raw_affiliation_strings":["Indian Institute of Technology Kharagpur, Kharagpur, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Indian Institute of Technology Kharagpur, Kharagpur, India","institution_ids":["https://openalex.org/I145894827"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5092852811","display_name":"Piyush Dangare","orcid":null},"institutions":[{"id":"https://openalex.org/I145894827","display_name":"Indian Institute of Technology Kharagpur","ror":"https://ror.org/03w5sq511","country_code":"IN","type":"education","lineage":["https://openalex.org/I145894827"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Piyush Dangare","raw_affiliation_strings":["Indian Institute of Technology Kharagpur, Kharagpur, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Indian Institute of Technology Kharagpur, Kharagpur, India","institution_ids":["https://openalex.org/I145894827"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5091712265","display_name":"Adrijit Goswami","orcid":"https://orcid.org/0000-0002-4420-0077"},"institutions":[{"id":"https://openalex.org/I145894827","display_name":"Indian Institute of Technology Kharagpur","ror":"https://ror.org/03w5sq511","country_code":"IN","type":"education","lineage":["https://openalex.org/I145894827"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Adrijit Goswami","raw_affiliation_strings":["Indian Institute of Technology Kharagpur, Kharagpur, India"],"raw_orcid":"https://orcid.org/0000-0002-4420-0077","affiliations":[{"raw_affiliation_string":"Indian Institute of Technology Kharagpur, Kharagpur, India","institution_ids":["https://openalex.org/I145894827"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5056526187","display_name":"Manoj Kumar Tiwari","orcid":"https://orcid.org/0000-0001-8564-1402"},"institutions":[{"id":"https://openalex.org/I145894827","display_name":"Indian Institute of Technology Kharagpur","ror":"https://ror.org/03w5sq511","country_code":"IN","type":"education","lineage":["https://openalex.org/I145894827"]},{"id":"https://openalex.org/I150870154","display_name":"Indian Institute of Management Ahmedabad","ror":"https://ror.org/02egcpy68","country_code":"IN","type":"education","lineage":["https://openalex.org/I150870154"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Manoj Kumar Tiwari","raw_affiliation_strings":["Indian Institute of Management, Mumbai, India","Indian Institute of Technology Kharagpur, Kharagpur, India"],"raw_orcid":"https://orcid.org/0000-0001-8564-1402","affiliations":[{"raw_affiliation_string":"Indian Institute of Management, Mumbai, India","institution_ids":["https://openalex.org/I150870154"]},{"raw_affiliation_string":"Indian Institute of Technology Kharagpur, Kharagpur, India","institution_ids":["https://openalex.org/I145894827"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5026349606"],"corresponding_institution_ids":["https://openalex.org/I145894827","https://openalex.org/I150870154"],"apc_list":null,"apc_paid":null,"fwci":16.1287,"has_fulltext":false,"cited_by_count":34,"citation_normalized_percentile":{"value":0.99237743,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":99,"max":100},"biblio":{"volume":"62","issue":"12","first_page":"4273","last_page":"4289"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.991100013256073,"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":0.991100013256073,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/embedding","display_name":"Embedding","score":0.5552670955657959},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.5441329479217529},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.4917280972003937},{"id":"https://openalex.org/keywords/random-forest","display_name":"Random forest","score":0.47127482295036316},{"id":"https://openalex.org/keywords/graph","display_name":"Graph","score":0.4504464864730835},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.44838452339172363},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.40270406007766724},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.38439953327178955},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.2835506200790405}],"concepts":[{"id":"https://openalex.org/C41608201","wikidata":"https://www.wikidata.org/wiki/Q980509","display_name":"Embedding","level":2,"score":0.5552670955657959},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5441329479217529},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4917280972003937},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.47127482295036316},{"id":"https://openalex.org/C132525143","wikidata":"https://www.wikidata.org/wiki/Q141488","display_name":"Graph","level":2,"score":0.4504464864730835},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.44838452339172363},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.40270406007766724},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.38439953327178955},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.2835506200790405},{"id":"https://openalex.org/C80444323","wikidata":"https://www.wikidata.org/wiki/Q2878974","display_name":"Theoretical computer science","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1080/00207543.2023.2257807","is_oa":false,"landing_page_url":"https://doi.org/10.1080/00207543.2023.2257807","pdf_url":null,"source":{"id":"https://openalex.org/S65690446","display_name":"International Journal of Production Research","issn_l":"0020-7543","issn":["0020-7543","1366-588X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320547","host_organization_name":"Taylor & Francis","host_organization_lineage":["https://openalex.org/P4310320547"],"host_organization_lineage_names":["Taylor & Francis"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Production Research","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:taf:tprsxx:v:62:y:2024:i:12:p:4273-4289","is_oa":false,"landing_page_url":"http://hdl.handle.net/10.1080/00207543.2023.2257807","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Decent work and economic growth","score":0.5199999809265137,"id":"https://metadata.un.org/sdg/8"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":52,"referenced_works":["https://openalex.org/W1921302649","https://openalex.org/W1973688950","https://openalex.org/W2005294649","https://openalex.org/W2080126116","https://openalex.org/W2160327429","https://openalex.org/W2162397980","https://openalex.org/W2185171005","https://openalex.org/W2208635417","https://openalex.org/W2270857406","https://openalex.org/W2296045491","https://openalex.org/W2473172823","https://openalex.org/W2604314403","https://openalex.org/W2759136286","https://openalex.org/W2804274048","https://openalex.org/W2898153843","https://openalex.org/W2905025229","https://openalex.org/W2911964244","https://openalex.org/W2940576506","https://openalex.org/W2964321435","https://openalex.org/W2969209099","https://openalex.org/W2986886760","https://openalex.org/W3003265726","https://openalex.org/W3006288848","https://openalex.org/W3012369930","https://openalex.org/W3034242908","https://openalex.org/W3039661298","https://openalex.org/W3043926787","https://openalex.org/W3083961251","https://openalex.org/W3093605077","https://openalex.org/W3095785842","https://openalex.org/W3121456242","https://openalex.org/W3121499479","https://openalex.org/W3122286235","https://openalex.org/W3122680770","https://openalex.org/W3124751568","https://openalex.org/W3125032869","https://openalex.org/W3135286407","https://openalex.org/W3136296618","https://openalex.org/W3155097488","https://openalex.org/W3163204069","https://openalex.org/W3194564527","https://openalex.org/W3199609551","https://openalex.org/W3209687044","https://openalex.org/W4205665225","https://openalex.org/W4210342290","https://openalex.org/W4220935164","https://openalex.org/W4221099335","https://openalex.org/W4235833568","https://openalex.org/W4236292178","https://openalex.org/W4286382587","https://openalex.org/W4318016858","https://openalex.org/W4321784072"],"related_works":["https://openalex.org/W4386259002","https://openalex.org/W1546989560","https://openalex.org/W3193043704","https://openalex.org/W3171520305","https://openalex.org/W2081900870","https://openalex.org/W1924178503","https://openalex.org/W4308716060","https://openalex.org/W4280648719","https://openalex.org/W3135126032","https://openalex.org/W2901774584"],"abstract_inverted_index":{"Micro,":[0],"Small,":[1],"and":[2,11,23,26,50,63,84,98,130,142],"Medium-sized":[3],"Enterprises":[4],"(MSMEs)":[5],"are":[6,88],"essential":[7,38],"for":[8],"the":[9,14,46,52,68,103,124,159,175,186],"growth":[10],"development":[12],"of":[13,48,54,70,182],"country's":[15],"economy,":[16],"as":[17],"they":[18],"create":[19],"jobs,":[20],"generate":[21],"income,":[22],"foster":[24],"production":[25],"innovation.":[27],"In":[28],"recent":[29],"years,":[30],"credit":[31,61,96,108,117,150],"risk":[32,118,151],"assessment":[33,119,152],"(CRA)":[34],"has":[35,58],"been":[36],"an":[37,113],"process":[39],"used":[40],"by":[41],"financial":[42,64],"institutions":[43],"to":[44,90,138,170],"evaluate":[45],"creditworthiness":[47],"MSMEs":[49,156,177],"determine":[51],"likelihood":[53],"default.":[55],"Traditionally,":[56],"CRA":[57],"relied":[59],"on":[60,94,123,158],"scores":[62],"statements,":[65],"but":[66],"with":[67],"advent":[69],"machine":[71],"learning":[72],"(ML)":[73],"algorithms,":[74],"lenders":[75],"have":[76],"a":[77,190],"new":[78],"tool":[79],"at":[80],"their":[81,95],"disposal.":[82],"By":[83],"large,":[85],"ML":[86],"algorithms":[87],"designed":[89],"classify":[91],"borrowers":[92],"based":[93,122,157],"history":[97],"transactional":[99],"data":[100],"while":[101],"leveraging":[102],"entity":[104],"relationship":[105],"involved":[106],"in":[107,148,196],"transactions.":[109],"This":[110],"study":[111],"introduces":[112],"innovative":[114],"knowledge":[115],"graph-driven":[116],"model":[120,172,188],"(RGCN-RF)":[121],"Relational":[125],"Graph":[126],"Convolutional":[127],"Network":[128],"(RGCN)":[129],"Random":[131],"Forest":[132],"(RF)":[133],"algorithm.":[134],"RGCN":[135],"is":[136,145,168],"employed":[137],"identify":[139],"topological":[140],"structures":[141],"relationships,":[143],"which":[144],"currently":[146],"nascent":[147],"traditional":[149],"methods.":[153],"RF":[154],"categorises":[155],"enterprise":[160],"embedding":[161],"vector":[162],"generated":[163],"from":[164],"RGCN.":[165],"Extensive":[166],"experimentation":[167],"conducted":[169],"assess":[171],"performance":[173],"utilising":[174],"Indian":[176],"database.":[178],"The":[179],"balanced":[180],"accuracy":[181],"92%":[183],"obtained":[184],"using":[185],"RGCN-RF":[187],"demonstrates":[189],"considerable":[191],"advancement":[192],"over":[193],"prior":[194],"techniques":[195],"identifying":[197],"risk-free":[198],"enterprises.":[199]},"counts_by_year":[{"year":2026,"cited_by_count":5},{"year":2025,"cited_by_count":16},{"year":2024,"cited_by_count":13}],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}
