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Relevant bibliographies by topics / Forecasted borrower's creditworthiness

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Academic literature on the topic 'Forecasted borrower's creditworthiness'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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Journal articles on the topic "Forecasted borrower's creditworthiness"

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Miroshnyk, Oleksii, Svitlana Shubina, and Valeriia Shulha. "Problems of determining the borrower's creditworthiness." Financial and credit systems: prospects for development 4, no. 11 (2023): 33–40. http://dx.doi.org/10.26565/2786-4995-2023-4-04.

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This article addresses the challenges associated with determining the borrower's creditworthiness. The authors define the borrower's creditworthiness as the ability to timely and fully meet debt obligations to the lender. This determination is based on an evaluation of the borrower's financial condition, forecast of business development, and other factors influencing the ability to repay the loan. The authors identify internal and external factors affecting the creditworthiness of borrowers in Ukraine. Internal factors include the economic situation, regulatory policies, credit history,

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Kolomiiets, Yuliia Yu, and Valeriia Yu Kochorba. "Assessing the Credit Risks in the Risk Management System of Banking Structures." Business Inform 1, no. 552 (2024): 320–32. http://dx.doi.org/10.32983/2222-4459-2024-1-320-332.

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The effective lending activity of the bank depends on the qualitative assessment of the creditworthiness of borrowers. This process determines not only the success of an individual banking operation, but also the entire credit policy of the bank. Modern banks use different approaches to creditworthiness analysis, because each loan agreement has its own specifics. The article summarizes and forms the main elements of the bank’s risk management system, substantiates the significant impact of such factors as the use of the latest technologies, stress management, and the culture of risk management

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Mukhanova, Ayagoz, Madiyar Baitemirov, Azamat Amirov, et al. "Forecasting creditworthiness in credit scoring using machine learning methods." International Journal of Electrical and Computer Engineering (IJECE) 14, no. 5 (2024): 5534. http://dx.doi.org/10.11591/ijece.v14i5.pp5534-5542.

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This article provides an overview of modern machine learning methods in the context of their active use in credit scoring, with particular attention to the following algorithms: light gradient boosting machine (LGBM) classifier, logistic regression (LR), linear discriminant analysis (LDA), decision tree (DT) classifier, gradient boosting classifier and extreme gradient boosting (XGB) classifier. Each of the methods mentioned is subject to careful analysis to evaluate their applicability and effectiveness in predicting credit risk. The article examines the advantages and limitations of each met

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D’yakonova, Iryna, Yevgeniya Mordan, and Kateryna Sokolenko. "The methodical framework of the development of adequate model of estimation of credit risk of the bank." Corporate Ownership and Control 13, no. 1 (2015): 769–73. http://dx.doi.org/10.22495/cocv13i1c7p4.

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It was considered the modern methods of assessment of credit risk which are used by the foreign banks, in particular, their essence, advantages and disadvantages were discovered in this article. It was proposed and characterized the criteria of judgmental estimate adequacy of the models intended for analysis and forecast of borrower creditworthiness assessment, in particular such criteria as general accuracy of the model, the errors of 1st and 2nd kind, ROC – curve and GINI index.

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Yakimova, V. A., and A. V. Brizitskaya. "Analyzing the financial sustainability of priority development systems set up in the Far Eastern regions of Russia." National Interests: Priorities and Security 16, no. 5 (2020): 838–75. http://dx.doi.org/10.24891/ni.16.5.838.

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Subject. The article examines economic systems of priority development that are established in the Far Eastern regions of Russia. Objectives. The study is to analyze key financial and economic indicators of the financial sustainability of residents and priority development areas (PDA), where they operate, to forecast and determine the future development, enhance the competitiveness, lucrativeness for investors and performance. Methods. Research is based on methods of correlation and regression analysis, grouping, systematization, comparison and analysis, ratios. Results. We analyzed financial

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RYABUKHA, G.I. "Estimation of the prospects of the livestock sector development on the basis of improvement of the mechanism of preferential lending." Market Relations Development in Ukraine №7-8(218-219)2019 149 (September 19, 2019): 74–80. https://doi.org/10.5281/zenodo.3448077.

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The subject of the study is the theoretical and methodological basis for assessing the prospects of the livestock sector development. The purpose of the study is to analyze the current state of the livestock sector in Ukraine from the point of view of the deficit of long–term lending and to develop proposals for the development of the industry. Research methods. In this work such kind of methods are used: analysis, econometric modeling, forecasting on the basis of model assumptions, as well as statistical and graphical methods. Results of work. The article analyzes the disadvantages

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Krupka, Mykhailo, Yaroslav Dropa, and Andriy Kotur. "FORMATION OF STRATEGIES FOR THE BANK’S CREDIT PORTFOLIO MANAGEMENT IN THE CONTEXT OF THE FINANCIAL AND CREDIT ENVIRONMENT TRANSFORMATIONS." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 37(65) (2025): 58–63. https://doi.org/10.25264/2311-5149-2025-37(65)-58-63.

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This article presents a comprehensive study of innovative strategies for managing a bank’s credit portfolio in the context of the transformation of Ukraine’s financial and credit environment. Considering the high level of macroeconomic turbulence, institutional changes, the impact of martial law, inflationary processes, and shifts in consumer behavior, the author substantiates the urgency of modernizing traditional credit management models. Particular attention is paid to the transition from classical scoring methods to innovative approaches based on digital transformation, artificial intellig

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Simanaviciene, Zaneta, Mykola Talavyria, Olena Zharikova, Oksana Pashchenko, and Dmytro Aleksandrov. "METHODOLOGICAL FOUNDATIONS FOR IMPLEMENTATION OF EXPERT-MONETARY EVALUATION OF AGRICULTURAL ENTERPRISES: LAND AND MORTGAGE LENDING." Economic Discourse, no. 3-4 (December 30, 2024): 104–22. https://doi.org/10.36742/2410-0919-2024-2-10.

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Introduction. The development of the agricultural sector of the Ukrainian economy is impossible without attracting significant credit resources, which requires the creation of a number of prerequisites necessary for increasing the volume of lending to agricultural enterprises. First of all, such prerequisites should include the creation of a favorable investment climate at the macro level and the improvement of the creditworthiness of agricultural enterprises - potential borrowers of mortgage loans at the macro level. One of the components of creditworthiness is securing an obligation. And it

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SAFARYAN, NORAYR, та AREVIK HOVHANNISYAN. "Կանաչ բանկերի կայացման հիմնախնդիրները ՀՀ-ում / The Problems in Establishing Green Banks in the RA". Economy and society, 2023, 42–56. http://dx.doi.org/10.52174/29538114_2023.2-42.

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Our research delved into the possibility of establishing Green Banks in the RA. In particular, the environmental and social risk management system (ESMS) of commercial banks of the RA, its key components, tools, and improvement opportunities were analyzed. At the same time, the guiding action and steps of the Central Bank of the RA, as a mega-regulator and an institution with exclusive competence of Banking Supervision, were considered, which should be aimed at motivating green financing by commercial banks of the RA. As a result of the research, specific recommendations and requirements for t

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Tikhonov, Roman, Aleksey Masyutin, and Vadim Vadim. "The Relationship Between the Financial Performance of Banks and the Quality of Credit Scoring Models." Russian Journal of Money and Finance, June 2021, 76–95. http://dx.doi.org/10.31477/rjmf.202102.76.

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Model risk in credit scoring can be understood as the bank’s losses associated with a model quality deterioration. Deterioration in model quality entails an incorrect assessment of the creditworthiness of borrowers and leads to an increase in potentially defaulting applications in the loan portfolio, as the bank relies on the model performance when making lending decisions. The relationship between model quality and financial performance is embedded in the confusion matrix, where the value of a type I error indicates the bank’s lost profit, and the value of a type II error is equivalent to los

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Dissertations / Theses on the topic "Forecasted borrower's creditworthiness"

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Коваленко, Г. Ю. "Кредитна політика банку". Master's thesis, Сумський державний університет, 2018. http://essuir.sumdu.edu.ua/handle/123456789/71934.

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У роботі визначено теоретичні основи та науково-методичні рекомендації щодо удосконалення формування кредитної політики банків України. За результатами дослідження сформовано рекомендації щодо удосконалення механізму формування кредитної політики банку, зокрема, шляхом розробки та впровадження гнучкої системи визначення умов кредитування на основі прогнозування кредитоспроможності позичальника.<br>В работе определены теоретические основы и сформированы научно-методические рекомендации по совершенствованию формирования кредитной политики банков Украины. Автором разработаны рекомендации по совер

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Book chapters on the topic "Forecasted borrower's creditworthiness"

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Aleskerova, Yuliia. "MANAGEMENT OF THE CREDIT PROCESS IN UKRAINE." In Traditional and innovative approaches to scientific research: theory, methodology, practice. Publishing House “Baltija Publishing”, 2022. http://dx.doi.org/10.30525/978-9934-26-241-8-22.

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The purpose of the article is to determine and determine the results of lending from LLC "Khmilnytskyi Dry Skimmed Milk Plant "Molochny Visit" in order to prevent its bankruptcy with the help of timely lending, calculation of indicators. Directions for improving the statutory crediting of the plant by economic and financial methods are proposed. The definition and meaning of credit for Ukrainian enterprises is analyzed. The results. Calculations were made for the analysis of the financial condition of the plant, forecast values for its bankruptcy and the distribution of credit rhesus to suppor

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