Credit Scoring for Micro-Loans
This work addresses credit scoring for micro-loan providers and regulators, but appears incremental as it focuses on applying existing methods to a specific domain.
The paper tackled developing a credit scoring system for micro-loans by addressing challenges like model interpretability and data quality, and introduced a semi-supervised algorithm that was evaluated for performance.
Credit Scores are ubiquitous and instrumental for loan providers and regulators. In this paper we showcase how micro-loan credit system can be developed in real setting. We show what challenges arise and discuss solutions. Particularly, we are concerned about model interpretability and data quality. In the final section, we introduce semi-supervised algorithm that aids model development and evaluate its performance