 |
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
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 8.14 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI)
|
Issue: October 2025
Volume 10 | Issue 10
Review Result and Publication of Paper within : 2-3 days
Click Here For more DetailsFor Authors
Forms / Download
Published Issue Details
Editorial Board
Other IMP Links
Facts & Figure
Impact Factor : 8.14
Issue per Year : 12
Volume Published : 10
Issue Published : 113
Article Submitted : 18245
Article Published : 7789
Total Authors : 20583
Total Reviewer : 750
Total Countries : 142
Indexing Partner
Licence
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
|
Published Paper Details
|
|
| Paper Title: | Enhancing loan default prediction with smart loan recommendation |
| Authors Name: | Rushikesh More |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_203367
|
| 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. |
| Keywords: | |
| 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: | 000327 |
| 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 |
| Publication Details: |
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 |
| Share Article: | |
|
Click Here to Download This Article |
|
| Article Preview | |
|
|
|
Major Indexing from www.ijrti.org
| Google Scholar | ResearcherID Thomson Reuters | Mendeley : reference manager | Academia.edu |
| arXiv.org : cornell university library | Research Gate | CiteSeerX | DOAJ : Directory of Open Access Journals |
| DRJI | Index Copernicus International | Scribd | DocStoc |
ISSN Details
 |
 |
|
ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
DOI (A digital object identifier)
| Providing A digital object identifier by DOI.ONE How to Get DOI? |
Conference
Open Access License Policy
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
Important Details
Join RMS/Earn 300
WhatsApp
Click Here
Click Here
Indexing Partner |
|||
| Copyright © 2025 - All Rights Reserved - IJRTI | |||