{"id":"https://openalex.org/W3183139329","doi":"https://doi.org/10.1109/icit52682.2021.9491636","title":"Improvement of personal loans granting methods in banks using machine learning methods and approaches in Palestine","display_name":"Improvement of personal loans granting methods in banks using machine learning methods and approaches in Palestine","publication_year":2021,"publication_date":"2021-07-14","ids":{"openalex":"https://openalex.org/W3183139329","doi":"https://doi.org/10.1109/icit52682.2021.9491636","mag":"3183139329"},"language":"en","primary_location":{"id":"doi:10.1109/icit52682.2021.9491636","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icit52682.2021.9491636","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2021 International Conference on Information Technology (ICIT)","raw_type":"proceedings-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/A5051548302","display_name":"Mohammad J. Hamayel","orcid":"https://orcid.org/0000-0002-3885-4082"},"institutions":[{"id":"https://openalex.org/I53620714","display_name":"Arab American University","ror":"https://ror.org/04jmsq731","country_code":"PS","type":"education","lineage":["https://openalex.org/I53620714"]}],"countries":["PS"],"is_corresponding":true,"raw_author_name":"Mohammad J. Hamayel","raw_affiliation_strings":["Arab American University,Graduate school Collage,Ramallah,Palestine"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Arab American University,Graduate school Collage,Ramallah,Palestine","institution_ids":["https://openalex.org/I53620714"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5110786204","display_name":"Mobarak A. Abu Mohsen","orcid":null},"institutions":[{"id":"https://openalex.org/I53620714","display_name":"Arab American University","ror":"https://ror.org/04jmsq731","country_code":"PS","type":"education","lineage":["https://openalex.org/I53620714"]}],"countries":["PS"],"is_corresponding":false,"raw_author_name":"Mobarak A. Abu Mohsen","raw_affiliation_strings":["Arab American University,Graduate school Collage,Ramallah,Palestine"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Arab American University,Graduate school Collage,Ramallah,Palestine","institution_ids":["https://openalex.org/I53620714"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5066664922","display_name":"Mohammed Moreb","orcid":"https://orcid.org/0000-0001-8146-6918"},"institutions":[{"id":"https://openalex.org/I53620714","display_name":"Arab American University","ror":"https://ror.org/04jmsq731","country_code":"PS","type":"education","lineage":["https://openalex.org/I53620714"]}],"countries":["PS"],"is_corresponding":false,"raw_author_name":"Mohammed Moreb","raw_affiliation_strings":["Arab American University,Ramallah,Palestine","Arab American University, Ramallah, Palestine"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Arab American University,Ramallah,Palestine","institution_ids":["https://openalex.org/I53620714"]},{"raw_affiliation_string":"Arab American University, Ramallah, Palestine","institution_ids":["https://openalex.org/I53620714"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5051548302"],"corresponding_institution_ids":["https://openalex.org/I53620714"],"apc_list":null,"apc_paid":null,"fwci":3.9187,"has_fulltext":false,"cited_by_count":16,"citation_normalized_percentile":{"value":0.94483204,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":96,"max":99},"biblio":{"volume":null,"issue":null,"first_page":"33","last_page":"37"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.9599999785423279,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.9599999785423279,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9204000234603882,"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/loan","display_name":"Loan","score":0.8073452711105347},{"id":"https://openalex.org/keywords/decision-tree","display_name":"Decision tree","score":0.7163066267967224},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.692888617515564},{"id":"https://openalex.org/keywords/random-forest","display_name":"Random forest","score":0.6328331828117371},{"id":"https://openalex.org/keywords/logistic-regression","display_name":"Logistic regression","score":0.5674753189086914},{"id":"https://openalex.org/keywords/process","display_name":"Process (computing)","score":0.5117990374565125},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.47530660033226013},{"id":"https://openalex.org/keywords/variables","display_name":"Variables","score":0.425496369600296},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.41299015283584595},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.36753159761428833},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.3529881238937378},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.3467918634414673},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.22509858012199402}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.8073452711105347},{"id":"https://openalex.org/C84525736","wikidata":"https://www.wikidata.org/wiki/Q831366","display_name":"Decision tree","level":2,"score":0.7163066267967224},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.692888617515564},{"id":"https://openalex.org/C169258074","wikidata":"https://www.wikidata.org/wiki/Q245748","display_name":"Random forest","level":2,"score":0.6328331828117371},{"id":"https://openalex.org/C151956035","wikidata":"https://www.wikidata.org/wiki/Q1132755","display_name":"Logistic regression","level":2,"score":0.5674753189086914},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.5117990374565125},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.47530660033226013},{"id":"https://openalex.org/C27574286","wikidata":"https://www.wikidata.org/wiki/Q320723","display_name":"Variables","level":2,"score":0.425496369600296},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.41299015283584595},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.36753159761428833},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.3529881238937378},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.3467918634414673},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.22509858012199402},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/icit52682.2021.9491636","is_oa":false,"landing_page_url":"https://doi.org/10.1109/icit52682.2021.9491636","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2021 International Conference on Information Technology (ICIT)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":11,"referenced_works":["https://openalex.org/W1503398984","https://openalex.org/W2153896900","https://openalex.org/W2772016071","https://openalex.org/W2908445743","https://openalex.org/W2997833137","https://openalex.org/W3003566556","https://openalex.org/W3045991306","https://openalex.org/W3048514459","https://openalex.org/W4247763204","https://openalex.org/W4283759118","https://openalex.org/W6688612899"],"related_works":["https://openalex.org/W3193043704","https://openalex.org/W4386259002","https://openalex.org/W1546989560","https://openalex.org/W3171520305","https://openalex.org/W3135126032","https://openalex.org/W4366990902","https://openalex.org/W4317732970","https://openalex.org/W4388550696","https://openalex.org/W4321636153","https://openalex.org/W4313289487"],"abstract_inverted_index":{"For":[0],"banking":[1,44],"organizations,":[2],"loan":[3,86,191],"approval":[4,93,192],"and":[5,15,63,97,124,134,161,180,195],"risk":[6],"assessment":[7],"which":[8,18],"is":[9,11,19,70,81,99],"related":[10],"a":[12,21,31,48,71,89,131,140,174],"very":[13,100,132],"complex":[14],"significant":[16],"process":[17],"needs":[20,47],"high":[22],"effort":[23],"for":[24,55,60,65,109,139],"relevant":[25],"employee":[26],"or":[27,36,84],"manager":[28],"to":[29,82,88,94,102,118,129,148,188],"take":[30],"decision,":[32],"because":[33],"of":[34,52,77,92,106,143,193,201],"manual":[35],"traditional":[37],"methods":[38,117],"that":[39,127,176],"used":[40],"in":[41,137,199],"banks.":[42],"The":[43,74,183],"industry":[45],"still":[46],"more":[49],"precise":[50],"method":[51],"predictive":[53],"modeling":[54],"several":[56],"problems.":[57],"In":[58],"general,":[59],"financial":[61],"institutions":[62],"especially":[64],"banks":[66],"forecasting":[67],"credit":[68,178],"defaulters":[69],"hard":[72],"challenge.":[73],"primary":[75],"role":[76],"the":[78,104,107,111,125,190,196,202],"current":[79],"systems":[80],"accept,":[83],"sending":[85],"application":[87],"specific":[90],"level":[91],"be":[95],"studied":[96],"it":[98],"difficult":[101],"foresee":[103],"probability":[105],"borrower":[108],"paying":[110],"due":[112],"dues":[113],"amount":[114,142],"without":[115],"using":[116,166],"predict.":[119],"Machine":[120],"learning":[121,152],"(ML)":[122],"techniques":[123],"algorithm":[126,184],"belongs":[128],"are":[130],"amazing":[133],"promising":[135],"technique":[136],"predicting":[138],"large":[141],"data.":[144],"Our":[145],"research":[146],"proposed":[147],"study":[149],"three":[150],"machine":[151],"algorithms":[153],"[1],":[154],"Decision":[155],"Tree":[156],"(DT),":[157],"Logistic":[158],"Regression":[159],"(LR),":[160],"Random":[162],"Forest":[163],"(RF),":[164],"by":[165],"real":[167],"data":[168],"collected":[169],"from":[170],"Quds":[171],"Bank":[172],"with":[173],"variables":[175],"cover":[177],"restriction":[179],"regulator":[181],"instructions.":[182],"has":[185],"been":[186],"implemented":[187],"predict":[189],"customers":[194],"output":[197],"tested":[198],"terms":[200],"predicted":[203],"accuracy.":[204]},"counts_by_year":[{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":7}],"updated_date":"2026-05-10T08:33:47.465468","created_date":"2025-10-10T00:00:00"}
