Log in

Relevant bibliographies by topics / Methods of minimizing credit risk / Journal articles

To see the other types of publications on this topic, follow the link: Methods of minimizing credit risk.

Journal articles on the topic 'Methods of minimizing credit risk'

Author: Grafiati

Published: 30 May 2022

Last updated: 31 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Methods of minimizing credit risk.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Kepuladze, T. A. "Credit risk management in the bank." Bulletin of Dulaty University 16, no. 4 (2024): 216–25. https://doi.org/10.55956/bkov2679.

Full text

Abstract:

The article is devoted to the issues of credit risk management in the banking sector, which remain a key factor in financial stability and sustainability of the banking system. The main attention is paid to the analysis of modern methods of assessing and minimizing credit risks, including the introduction of new digital technologies, improving borrower scoring procedures and the use of big data to predict customer solvency. The article discusses factors influencing the growth of problem loans, such as macroeconomic instability, increasing debt burden and changes in borrower behavior. Particula

APA, Harvard, Vancouver, ISO, and other styles

2

Bodnar, Elena, Kateryna Tishechkina, Anna Ivanenko, and Vitalii Tarasenko. "Control and Methods of Minimizing Credit Risk of the Bank." Modern Economics 15, no. 1 (2019): 21–26. http://dx.doi.org/10.31521/modecon.v15(2019)-03.

Full text

APA, Harvard, Vancouver, ISO, and other styles

3

Tarissa Seshita Hadi and R. Yuniardi Rusdianto. "Mekanisme Penilaian Pemberian Kredit Dalam Meminimalisir Risiko Kredit Pada Bank BJB KCP Mojokerto." Journal of Management and Social Sciences 3, no. 1 (2024): 47–58. http://dx.doi.org/10.55606/jimas.v3i1.971.

Full text

Abstract:

Bank BJB KCP Mojokerto which is located on Jl Majapahit No. 333C-333D, Kranggan, Mojokerto City is one of the banks that provides credit facilities for the public. This research aims to determine the credit assessment mechanism of Bank BJB KCP Mojokerto in minimizing credit risk. This research uses qualitative methods with observation, interview and documentation techniques. The research results show that bank BJB KCP Mojokerto has implemented good credit assessment using the 5C principles with character and capacity as the bank's main assessment in minimizing credit risk. This research sugges

APA, Harvard, Vancouver, ISO, and other styles

4

Siddiq, Dr Abbokar, Ebrahim Al Gamal, and Osamah AL-Maamari. "Credit Risk Minimizing: Analysis study of Islamic and conventional banks in Yemen." Journal of Advanced Research in Economics and Administrative Sciences 3, no. 4 (2023): 1–8. http://dx.doi.org/10.47631/jareas.v3i4.553.

Full text

Abstract:

Purpose: The study aims to compare the credit risk minimization between Islamic and conventional banks in Yemen. Approach/Methodology/Design: This paper is limited to a homogeneous sample that includes the Islamic and conventional banks' coverage as they represent the most significant part of the Yemeni banking sector. Using a descriptive-analytical method, data has been collected by a questionnaire sent by post to each Islamic and conventional bank separately located in Yemen's capital city. Findings: The study concludes that credit risk is the most critical risk facing banks, and there is a

APA, Harvard, Vancouver, ISO, and other styles

5

Silitonga, Cristin Erni Juliani, Magdalena Judika Br Siringoringo, and Ardin Dolok Saribu. "ANALYSIS OF THE APPLICATION OF CREDIT RISK MANAGEMENT IN MINIMIZING NON-PERFORMING FINANCING." Jurnal Comparative: Ekonomi dan Bisnis 7, no. 2 (2025): 528. https://doi.org/10.31000/combis.v7i2.13973.

Full text

Abstract:

The application of risk management in banking can increase shareholder value, provide information to bank managers about possible future losses, improve methods and make systematic decisions based on available information. The purpose of this study is to find out and analyze the application of risk management carried out by the bank to minimize the risk of non-performing financing at Bank Sumut KCP Sei Sikambing. The type of data used in this study is qualitative data, in the form of explanatory data on the implementation of risk management to minimize the risk of non-performing financing of B

APA, Harvard, Vancouver, ISO, and other styles

6

Kozaeva, Olga T., Taira E. Kulumbekova, and Ekaterina I. Kadzaeva. "RISK MANAGEMENT OF A COMMERCIAL BANK." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/3, no. 132 (2022): 72–78. http://dx.doi.org/10.36871/ek.up.p.r.2022.12.03.010.

Full text

Abstract:

The article considers the risks that arise in commercial banks, such as credit and financial ones. The purpose of this article is a detailed study of banking risks and the proposal of measures to minimize and eliminate them. Risk is an indispensable condition of financial activity. In the activities of commercial banks, the problems of credit risks, the state of overdue debts and the level of repayment of loans, the liquidity and solvency of borrowers, the balance of resources and liquidity are exacerbated. For the successful operation of credit institutions, it is important to eliminate risks

APA, Harvard, Vancouver, ISO, and other styles

7

Shakurov, Andrey A., and Valery P. Slanov. "MODERN APPROACHES TO CREDIT RISK ASSESSMENT IN BANKING." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/15, no. 153 (2024): 175–80. https://doi.org/10.36871/ek.up.p.r.2024.12.15.020.

Full text

Abstract:

This scientific article is dedicated to defining current approaches to credit risk analysis within the framework of banking activities. The objectives of the research include: analyzing the concepts of credit risk and default; reviewing the recommendations of the Basel Committee; characterizing the Internal Ratings-Based (IRB) approach; and evaluating the Value at Risk (VaR) methodology. The authors employed general scientific research methods: deduction, induction, generalization, comparative analysis, synthesis (integration), study, and theoretical analysis. Minimizing credit risks is a prio

APA, Harvard, Vancouver, ISO, and other styles

8

HORODETSKA, Tetiana, Kateryna ZAICHENKO, and Alla IVASHCHENKO. "Methodical approaches for reducing the credit risk." Economics. Finances. Law 11/1, no. - (2021): 16–20. http://dx.doi.org/10.37634/efp.2021.11(1).3.

Full text

Abstract:

Banking is inevitably associated with risks. No matter what efforts the bank makes to minimize risks, they will always exist – the only question is to what extent. Lending operations are among the most profitable types of banking, but they are associated with a high level of risk. The instability of the economic situation in the country, the imperfection of the legal framework in this area necessitate a detailed study of the problems of minimizing credit risks. It should be noted that the choice of methods of credit risk management in the bank is quite relevant today. Credit risk management is

APA, Harvard, Vancouver, ISO, and other styles

9

Orlova, E. V. "Predictive Credit Risk Analytics Using Borrowers' Digital Footprint and Methods of Statistical Machine Learning." Programmnaya Ingeneria 12, no. 7 (2021): 358–72. http://dx.doi.org/10.17587/prin.12.358-372.

Full text

Abstract:

The article considers the problem of reducing the banks credit risks associated with the insolvency of borrowers — individuals using financial, socio-economic factors and additional data about borrowers digital footprint. A critical analysis of existing approaches, methods and models in this area has been carried out and a number of significant shortcomings identified that limit their application. There is no comprehensive approach to identifying a borrowers creditworthiness based on information, including data from social networks and search engines. The new methodological approach for assess

APA, Harvard, Vancouver, ISO, and other styles

10

Buhel, Yuliia. "Features of Managing the Credit Portfolio of Banking Institutions During Wartime." Economic Analysis, no. 34(3) (2024): 246–56. https://doi.org/10.35774/econa2024.03.246.

Full text

Abstract:

The article analyzes the features of managing the credit portfolios of Ukrainian banking institutions during wartime, focusing on the impact of macroeconomic instability and rising credit risks on banks' lending activities. The study reviews key theoretical approaches to credit risk management, such as the KMV model and liquidity theory, as well as practical aspects of portfolio diversification and cluster analysis of credit portfolios. A coefficient analysis of the Ukrainian banking sector from 2015 to 2023 is conducted to assess the effectiveness of credit portfolio management during the war

APA, Harvard, Vancouver, ISO, and other styles

11

Olkhovska, Oksana, and A. Yu Chuguevtsev. "Scoring is an expert method for predicting the credit capacity of social assets." Management of Economy: Theory and Practice. Chumachenko’s Annals, no. 2019 (2019): 171–77. http://dx.doi.org/10.37405/2221-1187.2019.171-177.

Full text

Abstract:

The article defines that modern approaches to solving the credit issue, while minimizing the risk of possible losses, need to introduce new effective risk management principles and computer decision support systems. The construction of such systems involves the development and use of a variety of alternative methods for analyzing data, alternative models and relevant criteria for analyzing the quality of models and the final result – the probability of non-return of credit. It has been proven that the use of the scoring model as one of the main risk management tools of credit operations is rec

APA, Harvard, Vancouver, ISO, and other styles

12

Karavan, Nataliya, and Veronika Prodan. "BORROWER'S CREDITABILITY AS A CREDIT RISK FACTOR." ECONOMIC BULLETIN OF THE DNIPROVSK STATE TECHNICAL UNIVERSITY, no. 1(10) (June 16, 2025): 149–57. https://doi.org/10.31319/2709-2879.2025iss1(10).332741pp149-157.

Full text

Abstract:

Assessment of the creditworthiness of individuals and legal entities remains one of the most important, but at the same time the most complex components of credit risk management. Despite the accumulated experience, the availability of a regulatory framework and a variety of models, there are still a number of difficulties in the Ukrainian banking system that make it difficult to ensure an objective and stable risk assessment. The object of the study is the process of credit risk management in banking institutions. The subject of the study is the methods and criteria for assessing the creditwo

APA, Harvard, Vancouver, ISO, and other styles

13

Zabchuk, Halyna, and Olha Ivashchuk. "RISKS OF THE BANKING SYSTEM OF UKRAINE IN THE CONDITIONS OF MARTIAL LAW." INSTITUTE OF ACCOUNTING, CONTROL AND ANALYSIS IN THE GLOBALIZATION CIRCUMSTANCES, no. 1-2 (June 30, 2022): 50–61. http://dx.doi.org/10.35774/ibo2022.01-02.050.

Full text

Abstract:

Introduction. The peculiarities of the manifestations of credit, market and currency risks, liquidity risks and risks of "state failure" for the functioning of the banking system of Ukraine in the conditions of martial law were examined the article. Recommendations are offered for minimizing existing risks and restoring the functionality of the banking system in the context of performing financial intermediation functions. Methods. Traditional methods of scientific knowledge were used in the article. In particular, methods of analysis and synthesis, as well as a graphic method for visualizatio

APA, Harvard, Vancouver, ISO, and other styles

14

Noriega, Jomark Pablo, Luis Antonio Rivera, and José Alfredo Herrera. "Machine Learning for Credit Risk Prediction: A Systematic Literature Review." Data 8, no. 11 (2023): 169. http://dx.doi.org/10.3390/data8110169.

Full text

Abstract:

In this systematic review of the literature on using Machine Learning (ML) for credit risk prediction, we raise the need for financial institutions to use Artificial Intelligence (AI) and ML to assess credit risk, analyzing large volumes of information. We posed research questions about algorithms, metrics, results, datasets, variables, and related limitations in predicting credit risk. In addition, we searched renowned databases responding to them and identified 52 relevant studies within the credit industry of microfinance. Challenges and approaches in credit risk prediction using ML models

APA, Harvard, Vancouver, ISO, and other styles

15

Rusetskaya, Elvira A., Yana A. Kirileva, and Ivan D. Shvarts. "Essence of credit risk and assessment of customers’ creditworthiness when paying off a car loan." Economic Consultant, no. 4 (December 1, 2023): 43–54. https://doi.org/10.46224/ecoc.2023.4.4.

Full text

Abstract:

Introduction. The topic is relevant because, with the increasing demand for cars and the growth of car loans in recent years, banks and financial institutions need a more thorough assessment of customers’ creditworthiness. In the highly competitive auto loan market, banks strive to improve their creditworthiness assessment methods to offer more favorable terms to customers. This creates the need for continuous improvement of approaches to credit risk assessment. Modern technologies such as big data, machine learning, and artificial intelligence are opening up new opportunities for more accurat

APA, Harvard, Vancouver, ISO, and other styles

16

Гудиев, Г. З., та И. В. Сугарова. "Риск кредитной концентрации как источник системного риска банковского сектора". Финансовые Исследования 25, № 4(85) (2025): 51–61. https://doi.org/10.54220/finis.1991-0525.2024.85.4.005.

Full text

Abstract:

Актуальность темы исследования связана с научным поиском перспектив минимизации системных рисков банковского сектора. Одной из причин их возникновения является концентрация активных операций в банках, которая возникает из-за неравномерного распределения кредитных средств между секторами или из-за предоставления крупных кредитов отдельным заемщикам. Постановка проблемы состоит в разработке мер, направленных на минимизацию подобных проявлений. Статья направлена на исследование механизма регулирования риска кредитной концентрации. Материалы и методы. В статье была исследована нормативная база, от

APA, Harvard, Vancouver, ISO, and other styles

17

Lyubov Petyk, Lyubov Petyk. "ASSESSMENT AND WAYS TO MINIMIZE THE FINANCIAL RISKS OF THE BANKING SECTOR UNDER FINANCIAL INSTABILITY." Socio World-Social Research & Behavioral Sciences 14, no. 04 (2023): 66–71. http://dx.doi.org/10.36962/swd14042023-66.

Full text

Abstract:

The article is devoted to the assessment of financial risks of the banking sector, their impact on the activity of banks and their minimization in conditions of economic instability. The banking sector is a key link that ensures the development of the financial system, but banking activity is risky. Therefore, it is important to study banking risks and ways to minimize them in order to increase the efficiency and stability of the banking system. The article provides a classification of banking risks in accordance with domestic literature. Factors due to which banking institutions are exposed t

APA, Harvard, Vancouver, ISO, and other styles

18

Dwi Oktavianty, Firda, Inayatussulaimah, and Siti Hardianti. "Gauss's Elimination to Solve Financial Modeling Models in Banks." International Journal of Technology and Modeling 1, no. 3 (2022): 86–91. https://doi.org/10.63876/ijtm.v1i3.105.

Full text

Abstract:

Gauss's elimination is an effective mathematical method for solving linear equation systems and is widely applied in various fields, including financial modeling. This article aims to apply Gauss's elimination method in solving complex financial modeling models in banks, especially in credit portfolio analysis and risk management. This study uses a quantitative approach by applying Gauss's elimination to bank financial data, involving a linear equation system that represents the relationship between risk factors, credit interest, and payment capacity. The results of the analysis show that this

APA, Harvard, Vancouver, ISO, and other styles

19

Balatskyi, Y., and V. Murka. "PROBLEMARY ASPECTS OF FINANCIAL AND ECONOMIC SECURITY OF COMMERCIAL BANKS." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 1 (2019): 7–13. http://dx.doi.org/10.21272/1817-9215.2019.1-1.

Full text

Abstract:

The article substantiates the issue of important aspects of financial and economic security of commercial banks. In order to maintain the financial and economic security of the bank, it is important to comply with a number of conditions. Such conditions include an adequate level of liquidity, securing loan repayments, increasing bank profitability and minimizing banking risks. Models and methods by which the level of financial and economic security of banks are evaluated are analyzed and systematized in the article. All available models are reduced to an economic security assessment, as the ba

APA, Harvard, Vancouver, ISO, and other styles

20

Varfolomeeva, Vera A., and Natalia A. Ivanova. "FINANCIAL STABILITY AS THE MAIN FACTOR IN THE FUNCTIONING OF ENTERPRISES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 9/3, no. 139 (2023): 47–53. http://dx.doi.org/10.36871/ek.up.p.r.2023.09.03.006.

Full text

Abstract:

The article examines the relationship between the financial relations of an enterprise, financial strategy, risk minimization and financial stability. The principles of organizing finance at enterprises are determined. The types of inherent risks of the enterprise’s activities and methods for minimizing them are considered. The authors come to the conclusion that to ensure financial stability it is necessary to competently build a financial strategy, financial relationships, implement measures to reduce risks, and optimize the use of financial resources. An incorrect study of one of the listed

APA, Harvard, Vancouver, ISO, and other styles

21

Malviya, Manisha. "A Review on Machine Learning Based Models for Credit Card Fraud Detection." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 01 (2025): 1–9. https://doi.org/10.55041/ijsrem40845.

Full text

Abstract:

With increased internet usage, online transactions have been on the rise. One of the most prevalent problems faced is credit cards frauds. While web applications and mailing services are heavily spammed, the upsurge of handheld mobile devices has led to an outburst of heavy mobile credit card spamming. The matter is more severe in mobile devices due to lesser sophisticated filtering mechanisms in built in mobile operating systems. Recent advancements in electronic commerce and communication systems have significantly increased the use of credit cards for both online and regular transactions. H

APA, Harvard, Vancouver, ISO, and other styles

22

Prosalova, Veronika, Elena Smolyaninova, and Olesya Smolyaninova. "THEORETICAL BASES FOR BANK STRATEGIC RISK MANAGEMENT UNDER THE IMPACT OF MACRO- AND MICROENVIRONMENT." JOURNAL OF SOCIAL SCIENCE RESEARCH 3, no. 3 (2014): 325–30. http://dx.doi.org/10.24297/jssr.v3i3.3260.

Full text

Abstract:

Purpose of research. The purpose of this research is to examine the theoretical bases for banking strategic risks management through examining the impact of micro- and macroenvironment on the credit performance. . Research method. The authors of this research used such methods as: research and analysis of legal framework, study of In this study, the authors have used such methods of scientific research as the study and analysis of the regulatory framework , the study of monographic publications and articles, analysis. Results. The authors propose to specify the notion of strategic management.

APA, Harvard, Vancouver, ISO, and other styles

23

ШАСТОВ А.А., ШАСТОВ А. А. "FINANCIAL MANAGEMENT IN CONDITIONS OF UNCERTAINTY: STRATEGIES FOR MINIMIZING RISKS AND OPTIMIZING FINANCIAL FLOWS." Экономика и предпринимательство, no. 4(165) (June 25, 2024): 1109–13. http://dx.doi.org/10.34925/eip.2024.165.4.221.

Full text

Abstract:

В этой статье рассматривается значение финансового менеджмента в контексте повсеместных изменений и неопределенности в бизнес-процессах, подчеркивается его решающая роль в преодолении экономических колебаний. В ней исследуются стратегии и возможности оптимизации финансового менеджмента в условиях неопределенности, используя научные работы как отечественных, так и зарубежных авторов. Исследование особенно актуально, учитывая нынешний экономический климат в России, где финансовые риски становятся все более очевидными и значимыми для коммерческих организаций. Исследование подчеркивает необходимос

APA, Harvard, Vancouver, ISO, and other styles

24

Septiana, Berti Dila, Sura Klaudia, Kristya Damayanti, and Tetty Widiyastuti. "Analisis Pengelolaan dan Pengendalian Piutang Pada Unit Pengelola Kegiatan (UPK) Kecamatan Ponggok Kabupaten Blitar." AKURASI: Jurnal Riset Akuntansi dan Keuangan 3, no. 3 (2021): 127–36. http://dx.doi.org/10.36407/akurasi.v3i3.469.

Full text

Abstract:

Poverty is one of the problems that often occurs in Indonesia. Therefore, through the Unit Pengelola Kegiatan (UPK), the government made a Simpan Pinjam Perempuan (SPP) program in revolving funds provided without any collateral, so the risk that often occurs is bad credit arrears. This causes a decrease in assets or a deficit and an increasing number of bad debts, so good management and control are needed to reduce the number of complex or uncollectible receivables. The purpose of this paper is to identify and analyze the role of management and control applied by the UPK Ponggok District, Blit

APA, Harvard, Vancouver, ISO, and other styles

25

Rumasukun, Muhammad Ridwan, and Muhammad Yamin Noch. "Exploring Financial Risk Management: A Qualitative Study on Risk Identification, Evaluation, and Mitigation in Banking, Insurance, and Corporate Finance." Jurnal Manajemen Bisnis 11, no. 2 (2024): 1068–83. http://dx.doi.org/10.33096/jmb.v11i2.903.

Full text

Abstract:

The research aims to analyze existing scholarly works to gain insights into risk identification, evaluation, and mitigation strategies. The methodology involves a comprehensive literature search using academic databases such as PubMed, JSTOR, Scopus, and Google Scholar. Inclusion and exclusion criteria are applied to filter relevant sources, and data collection involves reading and critically appraising each selected source. Thematic analysis is employed to identify key findings, themes, and theoretical frameworks. The synthesized findings reveal the importance of risk identification as a fund

APA, Harvard, Vancouver, ISO, and other styles

26

Samuel Jesupelumi Owoade, Abel Uzoka, Joshua Idowu Akerele, and Pascal Ugochukwu Ojukwu. "Automating fraud prevention in credit and debit transactions through intelligent queue systems and regression testing." International Journal of Frontiers in Engineering and Technology Research 7, no. 2 (2024): 044–56. http://dx.doi.org/10.53294/ijfetr.2024.7.2.0048.

Full text

Abstract:

The rapid increase in digital financial transactions has intensified the need for robust fraud prevention mechanisms, especially in credit and debit card transactions. Traditional methods, while effective to an extent, often fall short in identifying complex, evolving fraud patterns. This paper explores the automation of fraud prevention using intelligent queue systems and regression testing, presenting an innovative approach that adapts to real-time transaction analysis. Intelligent queue systems prioritize transaction monitoring based on risk assessments derived from machine learning algorit

APA, Harvard, Vancouver, ISO, and other styles

27

Safitri, Yunia, and Abel Tasman. "Analisis Manajemen Risiko Kredit Pada Produk Kredit Pemilikan Rumah BTN." Jurnal Ecogen 4, no. 2 (2021): 212. http://dx.doi.org/10.24036/jmpe.v4i2.11107.

Full text

Abstract:

The aims of this study is to find out : (1) what the character of problematic debtorts of PT. Bank Tabungan Negara (Persero), Tbk Padang Branch Office, (2) what the factors that cause bad credit of PT. Bank Tabungan Negara (Persero), Tbk Padang Branch Office, (3) how credit rsik management of housing loans at PT. Bank Tabungan Negara (Persero), Tbk Padang Branch Office. This type of research is a qualitative descriptive study. This study using by purposive sampling, while the source and some information through in-depth interviews or in-depth interviews and direct observations to the object of

APA, Harvard, Vancouver, ISO, and other styles

28

Nur Fauzi, Nadea Putri, Siti Khomsah, and Aditya Dwi Putra Wicaksono. "Penerapan Feature Engineering dan Hyperparameter Tuning untuk Meningkatkan Akurasi Model Random Forest pada Klasifikasi Risiko Kredit." Jurnal Teknologi Informasi dan Ilmu Komputer 12, no. 2 (2025): 251–62. https://doi.org/10.25126/jtiik.1228472.

Full text

Abstract:

Risiko kredit adalah hal yang penting untuk dianalisis di awal pengajuan kredit guna mengurangi nilai Non-Performing Loan (NPL) atau risiko gagal bayar. Pola pengetahuan risiko kredit bisa diketahui dari data-data historikal sehingga data pengajuan kredit baru bisa ketahui risikonya lebih awal. Pada penelitian-penelitian terdahulu, model klasifikasi untuk risiko kredit menggunakan Random Forest banyak ditemukan namun tidak mendalam dalam penerapan preprocessing dan akurasinya masih rendah. Maka penelitian ini bertujuan meningkatkan akurasi model klasifikasi algoritma Random Forest dengan mener

APA, Harvard, Vancouver, ISO, and other styles

29

Nur Fauzi, Nadea Putri, Siti Khomsah, and Aditya Dwi Putra Wicaksono. "Penerapan Feature Engineering dan Hyperparameter Tuning untuk Meningkatkan Akurasi Model Random Forest pada Klasifikasi Risiko Kredit." Jurnal Teknologi Informasi dan Ilmu Komputer 12, no. 2 (2025): 251–62. https://doi.org/10.25126/jtiik.2025128472.

Full text

Abstract:

Risiko kredit adalah hal yang penting untuk dianalisis di awal pengajuan kredit guna mengurangi nilai Non-Performing Loan (NPL) atau risiko gagal bayar. Pola pengetahuan risiko kredit bisa diketahui dari data-data historikal sehingga data pengajuan kredit baru bisa ketahui risikonya lebih awal. Pada penelitian-penelitian terdahulu, model klasifikasi untuk risiko kredit menggunakan Random Forest banyak ditemukan namun tidak mendalam dalam penerapan preprocessing dan akurasinya masih rendah. Maka penelitian ini bertujuan meningkatkan akurasi model klasifikasi algoritma Random Forest dengan mener

APA, Harvard, Vancouver, ISO, and other styles

30

Nshabire, Javira, David Nyambane, Michael Manyange, and Muniru Sewanyina. "Enhancing Loan Performance through Effective Credit Risk Management: Evidence from Commercial Banks in Uganda." Asian Journal of Economics, Business and Accounting 25, no. 4 (2025): 239–48. https://doi.org/10.9734/ajeba/2025/v25i41745.

Full text

Abstract:

Background and Purpose: Credit risk management is a critical determinant of the stability and performance of commercial banks. Despite its importance, poor lending practices and inadequate risk management have led to the collapse of numerous banks worldwide, including notable cases such as Northern Rock Bank in the UK and Crane Bank in Uganda. This study examines the relationship between credit risk management practices and loan performance, with a focus on identifying gaps and proposing strategies to enhance banking stability. Design/Methodology/Approach: The study adopted a cross-sectional r

APA, Harvard, Vancouver, ISO, and other styles

31

Stepanenko, Serhiy, and Kateryna Ampilohova. "Modern methods of risk management in banks’ lending to individuals." Socio-Economic Problems of the Modern Period of Ukraine, no. 4(144) (2020): 33–41. http://dx.doi.org/10.36818/2071-4653-2020-4-5.

Full text

Abstract:

The article is devoted to the substantiation of risk management methods of banks’ lending to individuals. Existing approaches to understanding the nature of consumer loan are considered. The classification of loans to individuals is provided. The paper proves that consumer lending should be considered in the context of the entities, object, currency, and principles. Consumer lending by its nature as a financial phenomenon refers to the provision of funds by the lender to individuals to obtain goods, works, or services, the acquisition of which meets the specific needs of consumers by redistrib

APA, Harvard, Vancouver, ISO, and other styles

32

Idris, Hariany. "Exploring Financial Risk Management: A Qualitative Study on Risk Identification, Evaluation, and Mitigation in Banking, Insurance, and Corporate Finance." Golden Ratio of Finance Management 4, no. 2 (2024): 213–25. http://dx.doi.org/10.52970/grfm.v4i2.651.

Full text

Abstract:

This qualitative literature review explores financial risk management practices across banking, insurance, and corporate finance sectors. The research aims to analyze existing scholarly works to gain insights into risk identification, evaluation, and mitigation strategies. The methodology involves a comprehensive literature search using academic databases such as PubMed, JSTOR, Scopus, and Google Scholar. Inclusion and exclusion criteria are applied to filter relevant sources, and data collection involves reading and critically appraising each selected source. Thematic analysis is employed to

APA, Harvard, Vancouver, ISO, and other styles

33

Ditsulenko, O. I., E. A. Posnaya, E. Yu Cherkashina, and N. V. Yurchenko. "Conditions for reducing non-repayment of loans." Вестник Северо-Кавказского федерального университета, no. 6 (99) (2023): 105–10. http://dx.doi.org/10.37493/2307-907x.2023.6.12.

Full text

Abstract:

Introduction. In the modern world of banking business, an important area is the procedure for reducing non-repayment of loans, since large volumes of non-returned loan funds entail negative consequences in the financial activities of the bank. Currently, there is competition in the banking sector and banks sometimes offer clients a loan that is not based on the real state of the financial and economic activities of the potential borrower. Goal. Determine the main conditions for reducing loan defaults in order to minimize the risk of loss of profit and bank bankruptcy. Materials and methods. No

APA, Harvard, Vancouver, ISO, and other styles

34

Athari, Seyed Alireza, Chafic Saliba, Danielle Khalife, and Madonna Salameh-Ayanian. "The Role of Country Governance in Achieving the Banking Sector’s Sustainability in Vulnerable Environments: New Insight from Emerging Economies." Sustainability 15, no. 13 (2023): 10538. http://dx.doi.org/10.3390/su151310538.

Full text

Abstract:

Extant literature suggests that the banking sector’s sustainability is achievable by minimizing the risk factors, in particular, credit risk (CR). Despite prior studies, there are fewer attempts to considerably probe the role of country governance settings in managing CR and ultimately achieving sustainability. Therefore, this study aims to test this nexus for the banking sector operating in BRICS developing economies. Specifically, this research attempts to explore whether country governance has a moderator role between CR and the exposure of environments to risk factors. To achieve these obj

APA, Harvard, Vancouver, ISO, and other styles

35

Glenda M Senaya. "Mitigating financial risks for entrepreneurs in emerging markets through financial literacy." World Journal of Advanced Research and Reviews 25, no. 1 (2025): 602–20. https://doi.org/10.30574/wjarr.2025.25.1.0059.

Full text

Abstract:

This paper aims at understanding and establishing how the assessable financial risks impact the entrepreneurs in emergent markets affecting their business sustainability and growth. This paper aims at establishing how these risks can be managed and performance of SMEs in developing economies improved through use of financial literacy. The study explores the complexity of efficiency of financial literacy, risk management, and business performance in emerging markets. This research uses both the systematic review of the available literature, which includes academic articles, policy papers, and e

APA, Harvard, Vancouver, ISO, and other styles

36

Ricky, Ricky. "ANALISIS RISIKO OPERASIONAL DALAM PEMILIHAN PERANGKAT KERAS (HARDWARE) DAN PERANGKAT LUNAK (SOFTWARE) PADA INDUSTRI PERBANKAN (Studi Kasus: Bank X)." Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) 1, no. 2 (2017): 43. http://dx.doi.org/10.35384/jemp.v1i2.36.

Full text

Abstract:

According to Undang-Undang RI Number 10 Year 1998, Bank is an entity that collects funds from the public in the form of deposits, then channeled to the community in the form of credit or other forms in order to improve the standard of living of the people. Therefore, banks need to make some effort to improve productivity, efficiency, and effectiveness in serving customers. One effort that can be done is by making almost all of the banking operations computerized. Since the computerized operations in the bank is growing, then development and software engineering analysis is needed. The developm

APA, Harvard, Vancouver, ISO, and other styles

37

SHYGUN, М. "Current Planning for Internal Audit of Risk Assessment of the Company Activities." Scientific Bulletin of the National Academy of Statistics Accounting and Audit, no. 1-2 (May 1, 2020): 48–57. http://dx.doi.org/10.31767/nasoa.1-2.2020.05.

Full text

Abstract:

Lack of management control of the activity risks creates critical operating conditions for the enterprise, in which the financial indicators may change unexpectedly and unfavorably. Avoidance of the risks of an entity's activity is possible if effective interaction is made primarily between economic security and internal audit departments. Productive work of internal auditors to identify, evaluate and reduce the impact of risks on the performance of the enterprise is possible with its proper organization. The article describes the key principles for planning the activities of internal auditors

APA, Harvard, Vancouver, ISO, and other styles

38

Nafisat Temilade Popoola and Felix Adebayo Bakare. "Advanced computational forecasting techniques to strengthen risk prediction, pattern recognition, and compliance strategies." International Journal of Science and Research Archive 12, no. 2 (2024): 3033–54. https://doi.org/10.30574/ijsra.2024.12.2.1412.

Full text

Abstract:

In an era defined by data-driven decision-making, advanced computational forecasting techniques have emerged as powerful tools for strengthening risk prediction, pattern recognition, and compliance strategies. These techniques leverage artificial intelligence (AI), machine learning (ML), and big data analytics to enhance accuracy, efficiency, and reliability in risk assessment across diverse industries. Traditional risk prediction models often rely on historical data and statistical methods, which, while effective, struggle to capture complex, non-linear patterns in evolving datasets. Advanced

APA, Harvard, Vancouver, ISO, and other styles

39

Yergasheva, Zuhra, Saltanat Kondybayeva, Ryszhan Kabylkairatkyzy, and Gulmira Yesengeldiyeva. "Influence of financial sustainability of households on default risks of regulated banks." E3S Web of Conferences 159 (2020): 05015. http://dx.doi.org/10.1051/e3sconf/202015905015.

Full text

Abstract:

The purpose of the article is to assess the financial sustainability of the household sector of the Republic of Kazakhstan and its impact on the real and financial sector in the context of minimizing the credit risks of the regulated banks of the Republic of Kazakhstan. The paper analyzes various points of view on assessing the financial sustainability of the household sector, makes a successful attempt to assess at a macroeconomic level the financial sustainability of households and the drawing potential of households in Kazakhstan using the OECD and IMF methods. The work made a holistic anal

APA, Harvard, Vancouver, ISO, and other styles

40

Atoyev, Konstantin, and Pavel Knopov. "Assessment of Environmental, Social, Governance and Technogenic Components of Investment Risks." Cybernetics and Computer Technologies, no. 3 (November 29, 2022): 37–45. http://dx.doi.org/10.34229/2707-451x.22.3.4.

Full text

Abstract:

Introduction. To assess the investment attractiveness (IA) and development opportunities for investment objects (IO), non-financial factors characterizing the environmental, social, governance and technogenic (ESGT) features of objects of possible financing have been increasingly used recently. The purpose of this data analysis is to establish how the ESGT-parameters of IO may reflect their financial health and performance prospects in a rapidly changing world. Having built an ESGT risk profile with the help of mathematical models, the IA of the object of study and the strategy of practical me

APA, Harvard, Vancouver, ISO, and other styles

41

Tian, Yingjie, Yong Shi, and Xiaohui Liu. "RECENT ADVANCES ON SUPPORT VECTOR MACHINES RESEARCH." Technological and Economic Development of Economy 18, no. 1 (2012): 5–33. http://dx.doi.org/10.3846/20294913.2012.661205.

Full text

Abstract:

Support vector machines (SVMs), with their roots in Statistical Learning Theory (SLT) and optimization methods, have become powerful tools for problem solution in machine learning. SVMs reduce most machine learning problems to optimization problems and optimization lies at the heart of SVMs. Lots of SVM algorithms involve solving not only convex problems, such as linear programming, quadratic programming, second order cone programming, semi-definite programming, but also non-convex and more general optimization problems, such as integer programming, semi-infinite programming, bi-level programm

APA, Harvard, Vancouver, ISO, and other styles

42

Anggarini, Desy Tri. "Application of Quick Response Code Indonesian as a Payment Tool in Digitizing MSMEs." SENTRALISASI 11, no. 1 (2022): 1. http://dx.doi.org/10.33506/sl.v11i1.1504.

Full text

Abstract:

The purpose of the research is to contribute to the development of technology in the financial sector, to give influence to the community in terms of cashless, then also to provide insight into financial technology on financial literacy by using QRIS (Quick Response Code Indonesian). MSME use facilitate their business activities by implementing fintech in terms of transaction management and the role of financial technology, is the QRIS (Quick Response Code Indonesian) application as a means of payment. The research method used in the research on the application of QRIS (Quick Response Code Ind

APA, Harvard, Vancouver, ISO, and other styles

43

Krasovytskyi, Danylo, and Andriy Stavytskyy. "Predicting Mortgage Loan Defaults Using Machine Learning Techniques." Ekonomika 103, no. 2 (2024): 140–60. http://dx.doi.org/10.15388/ekon.2024.103.2.8.

Full text

Abstract:

Mortgage default prediction is always on the table for financial institutions. Banks are interested in provision planning, while regulators monitor systemic risk, which this sector may possess. This research is focused on predicting defaults on a one-year horizon using data from the Ukrainian credit registry applying machine-learning methods. This research is useful for not only academia but also policymakers since it helps to assess the need for implementation of macroprudential instruments. We tested two data balancing techniques: weighting the original sample and synthetic minority oversamp

APA, Harvard, Vancouver, ISO, and other styles

44

Shushkova, Yuliia V., and Roman Ya Fatsiievych. "Financial Sustainability of Small Business Entities: Features and Principles of Preservation in Crisis Conditions." Business Inform 12, no. 551 (2023): 317–23. http://dx.doi.org/10.32983/2222-4459-2023-12-317-323.

Full text

Abstract:

The article emphasizes the relevance of the formation and implementation of public policy for the development of the small business sector in the conditions of wartime, in particular in the aspect of minimizing the negative impact of existing financial threats to the sustainable functioning of its representatives. The aim of the study is to identify the features and determine the principles of the State policy of maintaining the financial stability of the small business sector in a crisis. The novel problems of guaranteeing the financial stability of small businesses in Ukraine in the conditio

APA, Harvard, Vancouver, ISO, and other styles

45

Nuryana, Ida. "Analysis credit risk management minimizing performing loans to credit business people." Management and Business Review 1, no. 1 (2017): 38. http://dx.doi.org/10.21067/mbr.v1i1.2126.

Full text

APA, Harvard, Vancouver, ISO, and other styles

46

Suwarningsih, Wiwin, and Nuryani Nuryani. "Recommendation System for an Online Shopping Pay-Later System Using a Multistage Approach: A Case Study from Indonesia." Interdisciplinary Journal of Information, Knowledge, and Management 19 (2024): 024. http://dx.doi.org/10.28945/5366.

Full text

Abstract:

Aim/Purpose: In this study, we developed a recommendation system model designed to support decision-makers in identifying consumers eligible for pay-later options via consensus-based decision-making. This approach was chosen due to the high and complex risks involved, such as delayed payments, challenges in reaching consumers, and issues of bad credit. Background: The “pay-later” option, which allows consumers to postpone payment for e-commerce purchases, offers convenience and flexibility but also introduces several challenges: (i) by enabling payment deferral, merchants face financial risks,

APA, Harvard, Vancouver, ISO, and other styles

47

CHERNYSHOV, M. О. "The relevance of financial security of the banking system of Ukraine in the conditions of sustainable development." Market Relations Development in Ukraine №5(264)2023 98 (July 13, 2023): 5–11. https://doi.org/10.5281/zenodo.8141662.

Full text

Abstract:

The subject of the research is the theoretical and practical current aspects of the study of the financial security of the banking system of Ukraine in the conditions of sustainable development. The aim of the research is to determine the essence and main components of the financial security of the banking system of Ukraine. Research methods. When writing the article, general scientific and special research methods used in the diagnosis of the financial security of the banking sector were used. Results of the investigation. Because of writing the article, it was established that the banking se

APA, Harvard, Vancouver, ISO, and other styles

48

Marchenko, Olha V., Olha S. Petrykiva, and Kateryna O. Korobko. "Minimizing Credit Risk and Improving the Quality of the Bank’s Loan Portfolio." Business Inform 11, no. 538 (2022): 205–10. http://dx.doi.org/10.32983/2222-4459-2022-11-205-210.

Full text

Abstract:

The article considers the main factors that form credit risk and determines the role of credit risk in the process of formation of the credit portfolio of a commercial bank. It is determined that bank lending involves the functioning of a complex mechanism that includes certain actions aimed at attracting cheap funds and their use in accordance with the terms of the established lending policy, taking into account the minimum risk and maximum profit. As you know, the main source of income of banks is the profit from lending. In this regard, the main problem facing the bank’s management today is

APA, Harvard, Vancouver, ISO, and other styles

49

Andrushchuk, Viktoriya. "CREDIT STRATEGY OF COMMERCIAL BANKS IN THE CONTEXT OF MINIMIZING CREDIT RISK." Scientific Review: Theory and Practice 9, no. 6 (2019): 835–43. http://dx.doi.org/10.35679/2226-0226-2019-9-6-835-843.

Full text

APA, Harvard, Vancouver, ISO, and other styles

50

Polishchuk, Natalia, and Kateryna Pavlotska. "Risks of mortgage lending in Ukraine: peculiarities of the war period." Galic'kij ekonomičnij visnik 83, no. 4 (2023): 89–96. http://dx.doi.org/10.33108/galicianvisnyk_tntu2023.04.089.

Full text

Abstract:

The article analyzes mortgage lending as a type of credit for business entities under martial law in Ukraine and its risks from the perspective of participants to the procedure for obtaining/granting a secured loan. On the basis of scientific works of domestic scientists and institutes, problems have been identified that have not been studied but served as the basis for analyzing the situation with granting/receiving mortgage loans to Ukrainian farms during martial law, potential risks and ways to minimize them. On the basis of official statistics, the ratio of assets and liabilities among len

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!