This paper aims at locating the practice of micro-credit system into a larger theoretical canvas of economic theory and philosophy. A systems theoretic approach has been adopted. Emergence of the „excluded‟ class has been explained with the help of the theory of feedback. Individuals have been assumed to be myopic, local optimizer and bounded rational. In this context, the empirical experiences...

The credit evaluation index system is the decisive basis for investment. The existing credit evaluation systems of real estate enterprises mostly adopt the Back Propagation (BP) neural network which increasingly shows its limitations, such as slow convergent speed and easy convergence to the local minimum points. In order to evaluate the credit of real estate enterprises more reasonably and com...

Today there are millions of credit card transactions are being processed and mining techniques are highly applied to amount transaction and processing then the data’s are highly skewed Mining such massive amounts of data requires highly efficient techniques that scaled that can be extend transactions are legitimate than fraudulent fraud detection systems were widely used but this document gives...

Automatic face recognition is becoming increasingly important in the contexts of surveillance, credit card fraud detection, assistive devices for visual impaired, etc. A number of face recognition algorithms have been proposed in the literature. Though most of the algorithms achieve good recognition rates with the frontal views of faces, they fail when the pose of the face in the database and t...

An integrated approach of system dynamics simulation and fuzzy inference system for retailers’ credit scoring Vahid Baradaran & Maryam Keshavarz To cite this article: Vahid Baradaran & Maryam Keshavarz (2015) An integrated approach of system dynamics simulation and fuzzy inference system for retailers’ credit scoring, Economic Research-Ekonomska Istraživanja, 28:1, 959-980, DOI: 10.1080/1331677...

When a customer owns multiple credit cards, the selection of a credit card for a purchase payment is rarely done systematically. Furthermore, the customer has no online options to pay a high cost item with multiple cards. This paper presents a flexible Payment Recommender (PR) system that helps the customer to make a decision on identifying a group of credit cards, called Virtual Card, which pr...

Credit scoring is perceived as an important innovation for microfinance institutions in managing the credit risk of their clients. Increase in defaults has necessitated microfinance institutions to improve their credit analysis by incorporating objective procedures. Various studies have confirmed that credit scoring can increase efficiency and reduce costs for microfinance. However, the take up...

In the past Taiwanese banks that evaluated customers’ credit emphasized collaterals and guarantors, adopting such methods as the rule of thumb, a credit rating system, and numeric credit scoring system that are primarily based upon subjective judgements. However, Taiwanese banks nowadays no longer possess a superior competitive position, owing to the internationalization and liberalization of T...