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Extension Of Bank Application Scoring Model With Big Data Analysis
2017
ECMS 2017 Proceedings edited by Zita Zoltay Paprika, Péter Horák, Kata Váradi, Péter Tamás Zwierczyk, Ágnes Vidovics-Dancs, János Péter Rádics
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Micro and SME lending has also been improving, however current application scoring models for smaller firms have still lower power statistics as models for private individuals or larger firms. ...
Application scoring models of credit institutions has been subject to research since the 1960s. ...
The unstructured data we collected came from various sources. My main source for unstructured data was the social media sites of SME/micro corporations -if they existed. ...
doi:10.7148/2017-0550
dblp:conf/ecms/Madar17
fatcat:kfoxrcdiqvbmlpf5bsov5zxkqa
REFORMULATION OF BUSINESS STRATEGY TO INCREASE CREDIT GUARANTEE IN PT. JAMKRIDA BALI MANDARA
2019
Russian Journal of Agricultural and Socio-Economic Sciences
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Missunderstanding about fuction of Insurance and Credit Guarantee KA 15 Some Government regulation still not support this business KR Based on the data, the total weighted score is 3.160. ...
Based on Table 7 , the total score of weighted score is 3.116. From the total weighted score, it can be concluded that the company is in a strong position. ...
doi:10.18551/rjoas.2019-08.10
fatcat:pqi3yzu2s5cbxeopzewraldque
SOCIAL MEDIA DATA TO DETERMINE LOAN DEFAULT PREDICTING METHOD IN AN ISLAMIC ONLINE PEER TO PEER LENDING
2020
Journal of Islamic Monetary Economics and Finance
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One of financial technology major type is online peer to peer lending platform. Islamic online peer to peer lending is also emerging. However, credit risk still a major concern for this platform. ...
Therefore, in this paper, authors aimed to identify social media variables that could be used as default probability predictors and to determine predictability level by added social media data to the model ...
For the regulator and supervisor (Bank Indonesia and Otoritas Jasa Keuangan), social media data might be considered to develop a credit scoring model. ...
doi:10.21098/jimf.v6i2.1184
fatcat:5jxjnrnvsvgrvopmrru3m2h7ae
Artificial Intelligence Based Commercial Risk Management Framework for SMEs
2019
Sustainability
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Commercial risk assessment and management using elements of artificial intelligence, big data, and machine learning technologies could be developed and maintained as external services for a group of SMEs ...
This paper aims to provide a conceptual framework of commercial risk assessment and management solution based on elements of artificial intelligence. ...
Acknowledgments: The authors are grateful to the reviewers for providing valuable comments and suggestions.
Conflicts of Interest: The authors declare no conflict of interest. ...
doi:10.3390/su11164501
fatcat:7rzygfjuxne2xgkofb5vdjbrq4
How signaling and search costs affect information asymmetry in P2P lending: the economics of big data
2015
Financial Innovation
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Rooted in the lending business, we propose a theory on the economics of big data and outline a number of research opportunities and challenging issues. ...
By identifying how signaling and search costs are reduced by big data analytics for credit risk management of P2P lending, we discuss how information asymmetry is reduced in the big data era. ...
It is hoped that this paper will be a starting point for more research and discussion on big data-based financial innovations. Endnotes 1 FICO score is a type of credit score widely used in the US. ...
doi:10.1186/s40854-015-0018-1
fatcat:rfqvmixbj5cy3pnvmjbmsety3e
Rethinking SME default prediction: a systematic literature review and future perspectives
2021
Scientometrics
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a systematic literature review, based on a statistical, bibliometric analysis, of over 100 peer-reviewed articles published on SME default prediction modelling over a 34-year period, 1986 to 2019. ...
AbstractOver the last dozen years, the topic of small and medium enterprise (SME) default prediction has developed into a relevant research domain that has grown for important reasons exponentially across ...
The investigation of the role of positive and negative press coverage and social media data could become a priority in the SMEs credit risk assessment. ...
doi:10.1007/s11192-020-03856-0
pmid:33531720
pmcid:PMC7844786
fatcat:myessip4vvajphscddamtn53xi
Strategies and policies for developing SMEs based on creative economy
2020
Management Science Letters
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This research aims to develop strategies for strengthening and developing SMEs and mapping the hierarchy policy of developing a creative economy-based SME business model in the era of the industrial revolution ...
The ability of creative economy-based SMEs to compete in the global era depends on internal and external factors. ...
They can sell products using a variety of media, such as social media, applications. ...
doi:10.5267/j.msl.2020.3.005
fatcat:b2u5drvymramjgladjxofwd6yi
Credit Risk Management Framework for Rural Commercial Banks in China
2017
Journal of Financial Risk Management
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data and credit rating records are not available. ...
The framework, which is based on the identification of business failures of RCBs' customers and factors contributing to failures of SMEs and farming households, incorporates financial and non-financial ...
For example, Altman and Sabato (2007) apply a distress prediction model estimated specifically for the US SMEs based on a set of financial ratios derived from accounting data. ...
doi:10.4236/jfrm.2017.61005
fatcat:td22rhmob5hn7nzaogghdphmxm
Social Media Strategies on Brand Awareness at a Small Business Consultancy Firm in South Africa
2020
International Journal of Interactive Mobile Technologies
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Appropriate use of social media strategies is one strategy that can be adopted by small and medium business enterprises to influence brand awareness and brand loyalty and to build a competitive edge. ...
An inability to use social media as a business strategy results in poor brand awareness, a decrease in sales, and business closure. ...
Based on this conceptual model, it is conceptualised that there is a statistically significant relationship between social media strategies and brand awareness. ...
doi:10.3991/ijim.v14i20.14831
fatcat:tgpynpjlrbey3ckvwjvfjewd2e
Social Media Networks And SME Performance In The International Arena: A Case Of SMEs Operating In Kamukunji Area of Nairobi County, Kenya
2019
European Journal of Business Management and Research
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Social media has offered a free for all stage for using social network and friends to create awareness and SMEs can leverage on this and advance their business in the international arena. ...
the influence of use of social media networks while sourcing for inputs on SMEs Performance in the International Arena. ...
Douglas (2016) , in a study on the success factors for SMEs, found out that financing is a major limitation to their growth. In fact, most of the SMEs rely heavily on credit for financing. ...
doi:10.24018/ejbmr.2019.4.5.122
fatcat:2qtila4tzbg7fecchdo4iu76fm
Credit Line Models for Supply Chain Enterprises with Channel Background and Soft Information
2019
Sustainability
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To offer banks a holistic assessment, this paper first constructs a base credit line model for SMEs by considering their supply chain background. ...
But an SME's supply chain relations have a significant impact on its credit-worthiness. ...
Author Contributions: J.G. conceived the study and proposed the methodology; Y.Y. was responsible for data curation and draft; J.W. investigated and analyzed; Z.X. edited the manuscript. ...
doi:10.3390/su11102985
fatcat:g33ntjfrcbgp7hzzgtt7bykuse
The Concept of Digital Entrepreneurial Ecosystem for SMEs in North Sulawesi, Indonesia
2022
American Journal of Industrial and Business Management
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the environmental conditions and existing ecosystems, where a digital-based entrepreneurial ecosystem is something that is mandatory for the existence of SMEs. ...
This article will be built and constructed based on empirical research that has been done, mapping articles and related studies to be able to provide an overview of the DEE concept for SMEs in North Sulawesi ...
on social media. ...
doi:10.4236/ajibm.2022.123023
fatcat:nofm5vutkvhrdcrkkqp25nygha
Predicting the Insolvency of SMEs Using Technological Feasibility Assessment Information and Data Mining Techniques
2020
Sustainability
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We divided the dataset into two types of data based on three years of corporate age. ...
In addition, we derived several insolvency rules for the two types of SMEs from the decision tree-based prediction model and proposed ways to enhance the health of loans given to potentially insolvent ...
(dart.fss.or.kr), news provided by various media outlets, industry trends report, and social media. ...
doi:10.3390/su12239790
fatcat:fctvf24kpnh7xj45zpoblomxky
Fintech Credit Risk Assessment for SMEs
2020
IMF Working Papers
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Promoting credit services to small and medium-size enterprises (SMEs) has been a perennial challenge for policy makers globally due to high information costs. ...
By analyzing 1.8 million loan transactions of a leading Chinese online bank, this paper compares the fintech approach to assessing credit risk using big data and machine learning models with the bank approach ...
In particular, the network effect score measures a borrower's relative importance in the BigTech network based on their fund flows and social interactions, with 0 representing the lowest impact and 100 ...
doi:10.5089/9781513557618.001
fatcat:ljzmbk3llnhl7prjf3cvxmocea
Harnessing Internet finance with innovative cyber credit management
2015
Financial Innovation
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In the last two decades, Internet technologies, such as cloud computing, mobile communications, social media, and big data analytics, have brought tremendous changes to our society and reshaped the business ...
Based on this framework, we raise main research issues in Internet finance from the perspectives of theory, technology, and governance. ...
Acknowledgement The authors thank for the contributions to this research by Kun Liang, Xianfeng Zhang, Jiangtao Qiu, Meiqi Pan, Simling Li, and Jun Tan in reference summarizations, case studies, data processing ...
doi:10.1186/s40854-015-0004-7
fatcat:e3rrlg3bznha7jx4o6fqvmqgke
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