International Journal of Innovative Research in Computer and Communication Engineering
ISSN Approved Journal | Impact factor: 8.771 | ESTD: 2013 | Follows UGC CARE Journal Norms and Guidelines
| Monthly, Peer-Reviewed, Refereed, Scholarly, Multidisciplinary and Open Access Journal | High Impact Factor 8.771 (Calculated by Google Scholar and Semantic Scholar | AI-Powered Research Tool | Indexing in all Major Database & Metadata, Citation Generator | Digital Object Identifier (DOI) |
| TITLE | A Data Driven Approach for Financial Decision Making Intelligent Loan Approval Prediction |
|---|---|
| ABSTRACT | Approval of a loan is a crucial duty for financial institutions since it directly affects risk management and client trust. This research introduces a prediction method for loan acceptance based on machine learning utilizing past applicant data to make more accurate and efficient decisions. To evaluate the possibility of approval, the algorithm considers crucial parameters such as income level, credit history, employment information, and loan features. Data pretreatment and feature optimization are used to increase model reliability, followed by training various classification algorithms to determine the best prediction model. The suggested method eliminates reliance on manual review, minimizes subjective bias, and increases processing efficiency. The findings show that a data-driven loan approval approach can effectively help lenders make consistent, transparent, and informed lending decisions. |
| AUTHOR | GEETHA K, KEERTHANA H S PG Student, Dept. of MCA, City Engineering College, Bengaluru, India Assistant Professor, Dept. of MCA, City Engineering College, Bengaluru, India |
| VOLUME | 177 |
| DOI | DOI: 10.15680/IJIRCCE.2025.1312059 |
| pdf/59_A Data Driven Approach for Financial Decision Making Intelligent Loan Approval Prediction.pdf | |
| KEYWORDS | |
| References | [1] Sainath Madhukar Powar - Predicting Loan Eligibility with Machine Learning,2025. [2] P. Sai Sudiptha, Yanamaddi Ravindra, Yalaka Ganesh, Putta Rama Goud, S.Vamshi Krushna Future of Loan Approvals with Explainable AI ,2025. [3] Victor Chang, Q.A. Xu, S.H. Akinloye et al. Predicting Bank Credit Worthiness via Credit Risk Analysis: An Explainable Machine Learning Investigation ,2024. [4] F. M. Ahosanul Haque, Md. Mahedi Hassan - Machine Learning-Based Bank Loan Prediction Techniques ,2024. [5] Gamze Güder, Utku Köse – Prediction of Home Loan Approval with Machine Learning ,2024. [6] Olowookere A.S., Kilani S.O, Bello G.R. – The Use of Machine Learning Adoption in Loan Approval Prediction System ,2025. [7] Guangxuan Chen – Using Machine Learning Algorithms to Predict Loan Eligibility Approval,2024. [8] Krishnaraj P, Rita S, Jitendra Jaiswal – Comparing Machine Learning Techniques for Loan Approval Prediction |
