Introduction Residential mortgage loans are the major instrument of housing finance. A mortgage arrangement is equivalent to an exchange of a loan today for a stream of future payments. In general, a household or investor will borrow whenever the marginal cost of borrowing is less than the marginal utility or benefit derived from the asset. Mortgage loans are secured by the real property, and p...

The presence of Fintech has contributed to the changes in many industries Indonesia. Among others, banking industry been one most resilient alterations and skeptical disruption by Fintech. Using data covering national banks, regional private banks foreign from 2009 2019, this study aims examine impact interest rate pre-Fintech period compared post-Fintech period. This sets 2016 as time threshol...

This study introduces i-Neuro, a decision support system that can assist in loan decision making by educational loan funding institutions. i-Neuro is a predictive system that integrates Neural Network technique, thus can help the management to predict which application to accept or reject. The prediction can be done as Neural Network has trained previous batch of loan application data and store...