{"id":"https://openalex.org/W2801811408","doi":"https://doi.org/10.1142/s0219622018500293","title":"Improved Credit Scoring Model Based on Bagging Neural Network","display_name":"Improved Credit Scoring Model Based on Bagging Neural Network","publication_year":2018,"publication_date":"2018-05-10","ids":{"openalex":"https://openalex.org/W2801811408","doi":"https://doi.org/10.1142/s0219622018500293","mag":"2801811408"},"language":"en","primary_location":{"id":"doi:10.1142/s0219622018500293","is_oa":false,"landing_page_url":"https://doi.org/10.1142/s0219622018500293","pdf_url":null,"source":{"id":"https://openalex.org/S207089700","display_name":"International Journal of Information Technology & Decision Making","issn_l":"0219-6220","issn":["0219-6220","1793-6845"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319815","host_organization_name":"World Scientific","host_organization_lineage":["https://openalex.org/P4310319815"],"host_organization_lineage_names":["World Scientific"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Information Technology &amp; Decision Making","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/A5046128768","display_name":"Adnan D\u017eelihod\u017ei\u0107","orcid":"https://orcid.org/0000-0002-3917-189X"},"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":"Adnan D\u017eelihod\u017ei\u0107","raw_affiliation_strings":["Faculty of Engineering and Natural Sciences, International Burch University, Francuske revolucije bb Sarajevo, Bosnia and Herzegovina"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Engineering and Natural Sciences, International Burch University, Francuske revolucije bb Sarajevo, Bosnia and Herzegovina","institution_ids":["https://openalex.org/I51716468"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5012540722","display_name":"D\u017eenana \u0110onko","orcid":"https://orcid.org/0000-0002-8933-006X"},"institutions":[{"id":"https://openalex.org/I104817121","display_name":"University of Sarajevo","ror":"https://ror.org/02hhwgd43","country_code":"BA","type":"education","lineage":["https://openalex.org/I104817121"]}],"countries":["BA"],"is_corresponding":false,"raw_author_name":"D\u017eenana \u0110onko","raw_affiliation_strings":["Faculty of Electrical Engineering, University of Sarajevo, Zmaja od Bosne bb Sarajevo, Bosnia and Herzegovina"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Electrical Engineering, University of Sarajevo, Zmaja od Bosne bb Sarajevo, Bosnia and Herzegovina","institution_ids":["https://openalex.org/I104817121"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5019032617","display_name":"Jasmin Kevri\u0107","orcid":"https://orcid.org/0000-0003-2790-5224"},"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":"Jasmin Kevri\u0107","raw_affiliation_strings":["Faculty of Engineering and Natural Sciences, International Burch University, Francuske revolucije bb Sarajevo, Bosnia and Herzegovina"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Faculty of Engineering and Natural Sciences, International Burch University, Francuske revolucije bb Sarajevo, Bosnia and Herzegovina","institution_ids":["https://openalex.org/I51716468"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":3.6507,"has_fulltext":false,"cited_by_count":22,"citation_normalized_percentile":{"value":0.92768571,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":94,"max":99},"biblio":{"volume":"17","issue":"06","first_page":"1725","last_page":"1741"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.9994999766349792,"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":0.9994999766349792,"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":0.9984999895095825,"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/T11326","display_name":"Stock Market Forecasting Methods","score":0.9221000075340271,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.7525054216384888},{"id":"https://openalex.org/keywords/feature-selection","display_name":"Feature selection","score":0.6655678749084473},{"id":"https://openalex.org/keywords/artificial-neural-network","display_name":"Artificial neural network","score":0.6535505056381226},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.5976429581642151},{"id":"https://openalex.org/keywords/classifier","display_name":"Classifier (UML)","score":0.5964822769165039},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.5867864489555359},{"id":"https://openalex.org/keywords/artificial-intelligence","display_name":"Artificial intelligence","score":0.5407886505126953},{"id":"https://openalex.org/keywords/data-mining","display_name":"Data mining","score":0.3646036982536316},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.09709057211875916}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7525054216384888},{"id":"https://openalex.org/C148483581","wikidata":"https://www.wikidata.org/wiki/Q446488","display_name":"Feature selection","level":2,"score":0.6655678749084473},{"id":"https://openalex.org/C50644808","wikidata":"https://www.wikidata.org/wiki/Q192776","display_name":"Artificial neural network","level":2,"score":0.6535505056381226},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.5976429581642151},{"id":"https://openalex.org/C95623464","wikidata":"https://www.wikidata.org/wiki/Q1096149","display_name":"Classifier (UML)","level":2,"score":0.5964822769165039},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.5867864489555359},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.5407886505126953},{"id":"https://openalex.org/C124101348","wikidata":"https://www.wikidata.org/wiki/Q172491","display_name":"Data mining","level":1,"score":0.3646036982536316},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.09709057211875916},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1142/s0219622018500293","is_oa":false,"landing_page_url":"https://doi.org/10.1142/s0219622018500293","pdf_url":null,"source":{"id":"https://openalex.org/S207089700","display_name":"International Journal of Information Technology & Decision Making","issn_l":"0219-6220","issn":["0219-6220","1793-6845"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319815","host_organization_name":"World Scientific","host_organization_lineage":["https://openalex.org/P4310319815"],"host_organization_lineage_names":["World Scientific"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Information Technology &amp; Decision Making","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:wsi:ijitdm:v:17:y:2018:i:06:n:s0219622018500293","is_oa":false,"landing_page_url":"http://www.worldscientific.com/doi/abs/10.1142/S0219622018500293","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":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":47,"referenced_works":["https://openalex.org/W1610836425","https://openalex.org/W1963607983","https://openalex.org/W1964074981","https://openalex.org/W1966528570","https://openalex.org/W1972963691","https://openalex.org/W1973948212","https://openalex.org/W1974429651","https://openalex.org/W1974978265","https://openalex.org/W1982120517","https://openalex.org/W1984533548","https://openalex.org/W1993922907","https://openalex.org/W1994085451","https://openalex.org/W1994157250","https://openalex.org/W1994345439","https://openalex.org/W1995953281","https://openalex.org/W2001619934","https://openalex.org/W2016361990","https://openalex.org/W2025294397","https://openalex.org/W2037877289","https://openalex.org/W2051311627","https://openalex.org/W2051731935","https://openalex.org/W2063656687","https://openalex.org/W2068911395","https://openalex.org/W2082133383","https://openalex.org/W2083277086","https://openalex.org/W2089811952","https://openalex.org/W2092747527","https://openalex.org/W2093829413","https://openalex.org/W2102843519","https://openalex.org/W2103780778","https://openalex.org/W2119869458","https://openalex.org/W2122565585","https://openalex.org/W2125055259","https://openalex.org/W2133772980","https://openalex.org/W2133990480","https://openalex.org/W2147465748","https://openalex.org/W2149283560","https://openalex.org/W2157825442","https://openalex.org/W2158068969","https://openalex.org/W2158698691","https://openalex.org/W2168123127","https://openalex.org/W2278519563","https://openalex.org/W2307376191","https://openalex.org/W2330820318","https://openalex.org/W2562923621","https://openalex.org/W4212883601","https://openalex.org/W4236137412"],"related_works":["https://openalex.org/W2961085424","https://openalex.org/W2391251536","https://openalex.org/W2362198218","https://openalex.org/W2380784125","https://openalex.org/W2914806737","https://openalex.org/W2889085215","https://openalex.org/W1984922432","https://openalex.org/W1982750869","https://openalex.org/W3004057759","https://openalex.org/W2375008505"],"abstract_inverted_index":{"The":[0,149],"problem":[1],"of":[2,7,28,43,46,70,76,121,151,185,188],"nonperforming":[3],"loans":[4],"is":[5,22,38,156,174,178],"one":[6],"the":[8,12,26,41,44,47,68,74,98,102,107,119,152,183,186],"biggest":[9],"problems":[10],"in":[11,73,81,182],"banking":[13],"sector.":[14],"In":[15,49,97],"order":[16,50],"to":[17,24,34,39,51,114,147],"mitigate":[18],"this":[19],"problem,":[20],"it":[21,173],"necessary":[23],"improve":[25,40],"methods":[27,130],"credit":[29,36],"risk":[30,37],"assessment.":[31],"One":[32],"way":[33],"minimize":[35],"assessment":[42,184],"creditworthiness":[45,187],"applicant.":[48],"make":[52],"a":[53,77,82,90],"more":[54],"accurate":[55],"assessment,":[56],"many":[57],"models":[58],"have":[59],"been":[60],"developed":[61],"using":[62,93],"classification":[63,71],"techniques.":[64],"This":[65],"paper":[66],"demonstrates":[67],"use":[69,181],"techniques":[72,141],"form":[75],"single":[78],"classifier":[79,83],"or":[80],"ensemble":[84,92],"setting.":[85],"We":[86],"proposed":[87,108,153],"bagging":[88],"as":[89],"model":[91,109,154],"artificial":[94],"neural":[95,135],"networks.":[96],"experiment":[99],"conducted":[100],"with":[101,134,142],"Bosnian":[103],"commercial":[104],"banks":[105],"dataset,":[106],"showed":[110],"promising":[111],"results":[112,169],"according":[113],"evaluation":[115],"criteria,":[116],"especially":[117],"after":[118],"process":[120],"feature":[122,128],"selection.":[123],"Both":[124],"individual":[125],"and":[126],"wrapper":[127],"selection":[129],"were":[131],"used.":[132],"Bagging":[133],"network":[136],"(NNBag)":[137,155],"outperforms":[138],"commonly":[139],"used":[140],"accuracy":[143],"improvement":[144],"from":[145],"1%":[146],"5%.":[148],"superiority":[150],"confirmed":[157],"on":[158,167,170],"two":[159],"widely":[160],"available":[161],"datasets":[162],"for":[163,180],"assessing":[164],"creditworthiness.":[165],"Based":[166],"experimental":[168],"three":[171],"datasets,":[172],"proven":[175],"that":[176],"NNBag":[177],"suitable":[179],"applicants.":[189]},"counts_by_year":[{"year":2026,"cited_by_count":2},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":7},{"year":2021,"cited_by_count":5},{"year":2020,"cited_by_count":2}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}
