Improving Credit Risk Assessment in MSMEs: A Machine Learning-Based Approach

Authors

  • Mishra M Shri Siddhi Vinayak Institute of Technology, AKTU, Lucknow, India
  • Varshney M Dept. of Computer Science and Engineering, Shri Siddhi Vinayak Institute of Technology, Bareilly, India

DOI:

https://doi.org/10.26438/ijcse/v11i7.2933

Keywords:

Machine Learning,, Credit Risk Assessment, MSMEs, Risk Managemen, Financial Technology.

Abstract

This paper delves into the utilization of machine learning (ML) to enhance the credit risk assessment of Micro, Small and Medium Enterprises (MSMEs). With the burgeoning digital economy and growing complexities in financial transactions, traditional methods for assessing credit risk are proving inadequate. The research aims to establish an ML model that will offer more accurate, reliable, and efficient credit risk assessment in the MSME sector. The model’s development, implementation, and performance are critically evaluated using real credit data from various banks.

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Published

2023-07-31
CITATION
DOI: 10.26438/ijcse/v11i7.2933
Published: 2023-07-31

How to Cite

[1]
M. Mishra and M. Varshney, “Improving Credit Risk Assessment in MSMEs: A Machine Learning-Based Approach”, Int. J. Comp. Sci. Eng., vol. 11, no. 7, pp. 29–33, Jul. 2023.

Issue

Vol. 11 No. 7 (2023): IJCSE July Edition

Section

Research Article

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