{"id":3613,"date":"2024-07-05T11:33:43","date_gmt":"2024-07-05T09:33:43","guid":{"rendered":"https:\/\/nepttp.avidakizomba.co.za\/?p=3613"},"modified":"2025-06-09T12:10:55","modified_gmt":"2025-06-09T10:10:55","slug":"issuing-of-loans-is-associated-with-risks","status":"publish","type":"post","link":"https:\/\/www.escience.ac.za\/index.php\/2024\/07\/05\/issuing-of-loans-is-associated-with-risks\/","title":{"rendered":"Issuing of loans is associated with risks"},"content":{"rendered":"<p><strong>Researcher:&nbsp;&nbsp;<\/strong>Merriam Thoka, University of Limpopo<br \/><strong>Supervisor:&nbsp;<\/strong>Dr Hairong Bau, University of the Witwatersrand, Johannesburg<\/p><p>Tree-based machine learning (ML) models are non-linear predictive models utilized today due to their accuracy and efficiency, but understanding their decisions has received very little attention.&nbsp; Recently, banks are adopting ML to compute credit score because utilizing ML or AI in credit scoring is attentive to real-time signs of a potential borrower\u2019s creditworthiness.&nbsp; The goal of the study is to create an interpretable credit scoring model that borrowers and banks can utilize to anticipate if a lendee will be able of paying back their debt, as well as to comprehend the logic behind the model\u2019s prediction.<\/p><figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"914\" height=\"723\" src=\"https:\/\/nepttp.avidakizomba.co.za\/wp-content\/uploads\/2024\/10\/Merriam-Thoka.png\" alt=\"\" class=\"wp-image-3614\" srcset=\"https:\/\/www.escience.ac.za\/wp-content\/uploads\/2024\/10\/Merriam-Thoka.png 914w, https:\/\/www.escience.ac.za\/wp-content\/uploads\/2024\/10\/Merriam-Thoka-600x475.png 600w, https:\/\/www.escience.ac.za\/wp-content\/uploads\/2024\/10\/Merriam-Thoka-300x237.png 300w, https:\/\/www.escience.ac.za\/wp-content\/uploads\/2024\/10\/Merriam-Thoka-768x608.png 768w\" sizes=\"(max-width: 914px) 100vw, 914px\" \/><\/figure><p><br \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Researcher:&nbsp;&nbsp;Merriam Thoka, University of LimpopoSupervisor:&nbsp;Dr Hairong Bau, University of the Witwatersrand, Johannesburg Tree-based machine learning (ML) models are non-linear predictive models utilized today due to their accuracy and efficiency, but understanding their decisions has received very little attention.&nbsp; Recently, banks are adopting ML to compute credit score<\/p>\n","protected":false},"author":1,"featured_media":4489,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-3613","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capstone-projects"],"_links":{"self":[{"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/posts\/3613","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/comments?post=3613"}],"version-history":[{"count":1,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/posts\/3613\/revisions"}],"predecessor-version":[{"id":4410,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/posts\/3613\/revisions\/4410"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/media\/4489"}],"wp:attachment":[{"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/media?parent=3613"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/categories?post=3613"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.escience.ac.za\/index.php\/wp-json\/wp\/v2\/tags?post=3613"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}