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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: October 2025
Volume 10 | Issue 10
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 10
Issue Published : 113
Article Submitted : 18245
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Total Authors : 20583
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| Paper Title: | Enhancing loan default prediction with smart loan recommendation |
| Authors Name: | Rushikesh More |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_203367
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| Published Paper Id: | IJRTI2505041 |
| Published In: | Volume 10 Issue 5, May-2025 |
| DOI: | https://doi.org/10.56975/ijrti.v10i5.203367 |
| Abstract: | This paper presents the development of a Loan Default Prediction System integrated with a Smart Loan Rec- ommendation System, addressing the persistent challenges faced by financial institutions in managing loan defaults. Leveraging Artificial Neural Networks (ANN) for predictive modeling, our approach enhances decision-making in loan approvals by accu- rately estimating the probability of borrower default. Traditional statistical models often fall short in capturing complex relation- ships between borrower characteristics and loan performance; therefore, machine learning, particularly ANNs, offers a more robust solution. Furthermore, the paper introduces a Smart Loan Recommen- dation System designed to suggest optimized loan terms—such as revised amounts, tenures, and EMI structures—for borrowers identified as high-risk. Inspired by recent advances in person- alized financial systems, this dual-module approach not only minimizes potential defaults but also empowers borrowers with manageable and personalized financial options. Experimental results demonstrate that the integrated system significantly re- duces default rates and enhances both financial stability and user satisfaction. |
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| Cite Article: | "Enhancing loan default prediction with smart loan recommendation ", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.10, Issue 5, page no.a415-a420, May-2025, Available :http://www.ijrti.org/papers/IJRTI2505041.pdf |
| Downloads: | 000326 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2505041
Registration ID:203367
Published In: Volume 10 Issue 5, May-2025
DOI (Digital Object Identifier): https://doi.org/10.56975/ijrti.v10i5.203367
Page No: a415-a420 Country: Pune, Maharashtra, India Research Area: Engineering Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2505041 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2505041 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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