assumption throughout the article is that no market information on a borrower's credit quality like bond or CDS (Credit Default … level of interest rates and borrower default probabilities shows that a bank should only originate a loan, when the interest … rate a borrower is willing to accept is inside the profitability range for this client. This range depends on a bank …

In micro-lending markets, lack of recorded credit history is a significant impediment to assessing individual borrowers …' creditworthiness and therefore deciding fair interest rates. This research compares various machine learning algorithms on real micro-lending … customers (such as age, occupation, and location). This presents inexpensive and reliable means to micro-lending institutions …

banks). Our research confirmed the significant impact of the use of scoring models in lending activities on the value of the … lending activity, showed significantly lower values of the NPL ratio in each analysed year than banks that used other scoring …