{"id":"https://openalex.org/W4400113668","doi":"https://doi.org/10.1109/mipro60963.2024.10569666","title":"Building Ensemble Models for Enhanced Credit Scoring: A Case Study from a Bosnian MicroFinancial Institution","display_name":"Building Ensemble Models for Enhanced Credit Scoring: A Case Study from a Bosnian MicroFinancial Institution","publication_year":2024,"publication_date":"2024-05-20","ids":{"openalex":"https://openalex.org/W4400113668","doi":"https://doi.org/10.1109/mipro60963.2024.10569666"},"language":"en","primary_location":{"id":"doi:10.1109/mipro60963.2024.10569666","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mipro60963.2024.10569666","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2024 47th MIPRO ICT and Electronics Convention (MIPRO)","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/A5068368120","display_name":"Jasmina Nali\u0107","orcid":"https://orcid.org/0000-0002-8139-7235"},"institutions":[{"id":"https://openalex.org/I51716468","display_name":"International Burch University","ror":"https://ror.org/040cm8d21","country_code":"BA","type":"education","lineage":["https://openalex.org/I51716468"]}],"countries":["BA"],"is_corresponding":true,"raw_author_name":"Jasmina Nali\u0107","raw_affiliation_strings":["International Burch University,Faculty of Engineering and Information Technologies,Sarajevo,Bosnia and Herzegovina"],"affiliations":[{"raw_affiliation_string":"International Burch University,Faculty of Engineering and Information Technologies,Sarajevo,Bosnia and Herzegovina","institution_ids":["https://openalex.org/I51716468"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5114183796","display_name":"Zerina Ma\u0161eti\u0107","orcid":null},"institutions":[{"id":"https://openalex.org/I51716468","display_name":"International Burch University","ror":"https://ror.org/040cm8d21","country_code":"BA","type":"education","lineage":["https://openalex.org/I51716468"]}],"countries":["BA"],"is_corresponding":false,"raw_author_name":"Zerina Ma\u0161eti\u0107","raw_affiliation_strings":["International Burch University,Faculty of Engineering and Information Technologies,Sarajevo,Bosnia and Herzegovina"],"affiliations":[{"raw_affiliation_string":"International Burch University,Faculty of Engineering and Information Technologies,Sarajevo,Bosnia and Herzegovina","institution_ids":["https://openalex.org/I51716468"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5011520346","display_name":"Irfan Djedovi\u0107","orcid":null},"institutions":[{"id":"https://openalex.org/I51716468","display_name":"International Burch University","ror":"https://ror.org/040cm8d21","country_code":"BA","type":"education","lineage":["https://openalex.org/I51716468"]}],"countries":["BA"],"is_corresponding":false,"raw_author_name":"Irfan Djedovi\u0107","raw_affiliation_strings":["International Burch University,Faculty of Economics and Social Sciences,Sarajevo,Bosnia and Herzegovina"],"affiliations":[{"raw_affiliation_string":"International Burch University,Faculty of Economics and Social Sciences,Sarajevo,Bosnia and Herzegovina","institution_ids":["https://openalex.org/I51716468"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5068368120"],"corresponding_institution_ids":["https://openalex.org/I51716468"],"apc_list":null,"apc_paid":null,"fwci":1.1249,"has_fulltext":false,"cited_by_count":2,"citation_normalized_percentile":{"value":0.78125,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":95,"max":96},"biblio":{"volume":null,"issue":null,"first_page":"163","last_page":"168"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.7376000285148621,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.7376000285148621,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.713100016117096,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"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/bosnian","display_name":"Bosnian","score":0.8749951124191284},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.5771686434745789},{"id":"https://openalex.org/keywords/institution","display_name":"Institution","score":0.5317161083221436},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.34936386346817017},{"id":"https://openalex.org/keywords/political-science","display_name":"Political science","score":0.10000389814376831},{"id":"https://openalex.org/keywords/linguistics","display_name":"Linguistics","score":0.07085925340652466}],"concepts":[{"id":"https://openalex.org/C2777914927","wikidata":"https://www.wikidata.org/wiki/Q9303","display_name":"Bosnian","level":2,"score":0.8749951124191284},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.5771686434745789},{"id":"https://openalex.org/C2780510313","wikidata":"https://www.wikidata.org/wiki/Q178706","display_name":"Institution","level":2,"score":0.5317161083221436},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.34936386346817017},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.10000389814376831},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.07085925340652466},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1109/mipro60963.2024.10569666","is_oa":false,"landing_page_url":"https://doi.org/10.1109/mipro60963.2024.10569666","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"2024 47th MIPRO ICT and Electronics Convention (MIPRO)","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Decent work and economic growth","score":0.7799999713897705,"id":"https://metadata.un.org/sdg/8"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":14,"referenced_works":["https://openalex.org/W2799071462","https://openalex.org/W2810612184","https://openalex.org/W2951761234","https://openalex.org/W2961600786","https://openalex.org/W3034751247","https://openalex.org/W3095606640","https://openalex.org/W4221056365","https://openalex.org/W4233975745","https://openalex.org/W4281490433","https://openalex.org/W4282977196","https://openalex.org/W4303627698","https://openalex.org/W4307943173","https://openalex.org/W4389058774","https://openalex.org/W6838060591"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W2748952813","https://openalex.org/W2213227973","https://openalex.org/W4319016165","https://openalex.org/W1899874269","https://openalex.org/W4313175732","https://openalex.org/W1989905425","https://openalex.org/W2111683115","https://openalex.org/W4367180161","https://openalex.org/W1563221968"],"abstract_inverted_index":{"This":[0,135],"research":[1],"paper":[2],"presents":[3],"the":[4,47,129,141,163,170],"development":[5],"of":[6,49,91,96,105,143,165,172],"a":[7,13,32,38,103],"comprehensive":[8],"credit":[9,42,144,157,183],"scoring":[10,43,158],"model":[11,98],"for":[12,152,179],"MicroFinancial":[14],"institution":[15],"in":[16,168,182],"Bosnia":[17],"and":[18,26,40,64,77,115,175],"Herzegovina.":[19],"The":[20,94,119,160],"study":[21],"employs":[22],"diverse":[23],"machine":[24,174],"learning":[25,28,177],"deep":[27,176],"algorithms":[29],"to":[30,36,132,140],"analyze":[31],"real-life":[33],"dataset,":[34],"aiming":[35],"establish":[37],"reliable":[39],"high-performing":[41],"model.":[44],"We":[45],"explored":[46],"efficacy":[48],"single":[50],"classifiers,":[51],"including":[52],"Logistic":[53],"Regression,":[54],"Decision":[55],"Tree,":[56],"K-Nearest":[57],"Neighbors":[58],"(KNN),":[59],"Recurrent":[60],"Neural":[61],"Networks":[62],"(RNN),":[63],"Long":[65],"Short-Term":[66],"Memory":[67],"(LSTM)":[68],"networks,":[69],"alongside":[70],"advanced":[71],"ensemble":[72,89,166],"models":[73,178],"such":[74],"as":[75],"XGBoost":[76],"CatBoost.":[78],"To":[79],"enhance":[80],"predictive":[81],"accuracy,":[82],"we":[83],"also":[84,148],"experimented":[85],"with":[86],"creating":[87],"additional":[88],"combinations":[90],"these":[92],"models.":[93],"performance":[95,130],"each":[97],"was":[99],"rigorously":[100],"evaluated":[101],"using":[102],"range":[104],"metrics:":[106],"Accuracy,":[107],"Precision,":[108],"Recall,":[109],"F1":[110],"score,":[111],"Type":[112,116],"I":[113],"error,":[114],"II":[117],"error.":[118],"findings":[120],"reveal":[121],"that":[122],"integrating":[123],"multiple,":[124],"varied":[125],"classifiers":[126],"significantly":[127],"boosts":[128],"compared":[131],"individual":[133],"classifiers.":[134],"approach":[136],"not":[137],"only":[138],"contributes":[139],"field":[142],"risk":[145],"assessment":[146],"but":[147],"offers":[149],"practical":[150],"insights":[151],"financial":[153],"institutions":[154],"seeking":[155],"robust":[156],"solutions.":[159],"results":[161],"underscore":[162],"potential":[164],"methodologies":[167],"harnessing":[169],"strengths":[171],"different":[173],"improved":[180],"decision-making":[181],"scoring.":[184]},"counts_by_year":[{"year":2025,"cited_by_count":2}],"updated_date":"2025-12-22T23:10:17.713674","created_date":"2025-10-10T00:00:00"}
