Scoring for microfinance institutions

Assessment of the probability of default on a short-term loan of a microfinance institution, based on the data from the borrower’s credit history

Short-term loans have their own specifics and target audience. A highly specialized model allows microfinance institutions to more accurately predict risks for their products.

Contents
Identification

Borrower’s current ID data and the history of changes made to it.

Scoring

A value from 0 to 300 that determines the probability of late payments of over 100 UAH that are at least 30 days past due within a 6-month period on a credit by a microfinance institution.

Model
Target function
Late payment of over 100 UAH at least 30 days past due within a 6-month period on a credit from a microfinance institution.
Predictors
Credit history characteristics
Method
Gradient boosting
0.84
ROC-AUC
0.51
KS
Default probability based on scoring
Scoring for microfinance institutions
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