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8 articles for “Loans”
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Loan Prediction Using Random Forest Algorithm
Abstract: With the growth of the banking sector, more and more people are applying for bank loans. All of these loans are not allowed. The principal income of bank assets arises from the interest earned on the loan. Bank profit or loss depends largely on the amount of the loan, i.e., whether customers pay off the loan or fail. The main purpose of banks is to invest their assets in secure …
Published in Journal of Advanced Database Management & Systems Read article
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A Review on Loan Approval Prediction Based on Machine Learning Techniques
Abstract: The banking industry has also benefited greatly from technological advancements. An increasing number of individuals are submitting loan applications on a daily basis. When deciding which loan applicants to approve, the bank must take certain rules into account. The bank needs to choose the best one for approval based on certain characteristics. The process of carefully verifying every person and recommending them for loan approval is laborious and fraught with …
Published in Journal of Computer Technology & Applications · Vol. 15, Issue 2, 2024 · pp. 1–11 Read article
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A Sociolinguistic Perspective on Hausa Loanwords in the Kəlba Language
Abstract: Linguistic borrowing is seen as a significant source of language development and enrichment. This study examines Hausa loanwords borrowed into the Chadic language of Kəlba, which is spoken in Gombi, Hong, Maiha, Mubi North, and Mubi South local government areas of Adamawa State, Nigeria. The lingua franca in most of northern Nigeria is Hausa, one of the indigenous national languages of the region. The primary sources of data for the …
Published in Emerging Trends in Languages · Vol. 2, Issue 1, 2025 · pp. 27–32 Read article
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An Analysis of the Pradhan Mantri Mudra Yojana Footprint. A Case Study of Mizoram
Abstract: The goal of self-reliant India aka ‘Atmanirbhar Bharat’ can be achieved when all of its citizens are self-reliant. The Pradhan Mantri Mudra Yojana is a program designed to promote entrepreneurship through the provision of microfinancing. This initiative aims to empower individual citizens to become financially independent, which in turn supports the nation’s overall economic self-sufficiency and aligns with the ‘Atmanirbhar Bharat’ vision. Since the launch of PMMY in 2015, there …
Published in OmniScience: A Multi-disciplinary Journal · Vol. 15, Issue 2, 2025 · pp. 7–18 Read article
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Advancing Library Systems: The Impact of OPACs on Research and Learning
Abstract: The Online Public Access Catalogue (OPAC) has emerged as a transformative tool in library science, reshaping the landscape of information access and retrieval. This abstract explores the historical evolution, functionalities, and broader implications of OPAC systems in modern libraries. Initially conceived as digital replacements for traditional card catalogs, OPACs have undergone significant advancements, leveraging internet technologies to offer users unprecedented access to library collections. From basic search functionalities to sophisticated …
Published in International Journal of Electronics Automation · Vol. 1, Issue 2, 2023 · pp. 8–19 Read article
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Evaluation of Credit Risk of Bank Customers with a Hybrid Approach of Data Mining Techniques
Abstract: Credit risk poses the most significant threat to financial and monetary institutions. Banks strive to offer loans that generate high returns while minimizing risk. Achieving this requires the ability to accurately identify and classify credit customers, both individuals and legal entities, according to their likelihood of fully meeting their obligations. This classification is done using relevant financial and non-financial criteria. The primary goal of this study is to assess the …
Published in Journal of Artificial Intelligence Research & Advances · Vol. 11, Issue 3, 2024 · pp. 63–81 Read article
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Tomato Food Delivery
Abstract: Tomato food delivery systems face numerous challenges, such as duplicate documents, lack of security, and insufficient transparency. This paper proposes a solution using the MERN (MongoDB, Express.js, React, Node.js) stack to address these issues by creating an electronic public administration system that ensures secure, transparent, and efficient record-keeping. Leveraging MongoDB, the proposed system, automates the maintenance of records and registration documents, utilizing a consensus-based contract for streamlined loan settlement processes …
Published in Journal of Web Engineering & Technology · Vol. 12, Issue 1, 2025 · pp. 12–19 Read article
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Unveiling Empowerment: Evaluating Entrepreneurial Effectiveness of Self-Help Groups in Murshidabad and South 24 Pargana
Abstract: Self-help groups (SHGs) have played an essential role in the socio-economic upliftment of society, especially in West Bengal over the last decades. Analytically discussing gender dimensions in the SHGs, this paper scrutinizes the efficiency of the two districts, namely, Murshidabad and South 24 Parganas considering certain parameters. Based on the analysis of the parameters of the empowerment indicators and socio-economic effects of the SHGs, the paper explains to what extent …
Published in Research & Reviews : Journal of Statistics · Vol. 13, Issue 2, 2024 · pp. 23–33 Read article