Data Mining for the Adjustment of Credit Scoring Models in Solidarity Economy Entities: A Methodology for Addressing Class Imbalances

Data Mining for the Adjustment of Credit Scoring Models in Solidarity Economy Entities: A Methodology for Addressing Class Imbalances

This study addresses the quantification of credit risk in solidarity economy entities, proposing a new methodology to redefine the concept of a “default” in the frequent situations of extreme class imbalances. The objective is to develop and evaluate credit scoring models that enhance risk managemen...

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Bibliographic Details
Main Authors: Ivan Mauricio Bermudez Vera, Jaime Mosquera Restrepo, Diego Fernando Manotas-Duque
Format: Article
Language:English
Published: MDPI AG 2025-01-01
Series:Risks
Subjects:
credit risk
solidarity economy
data mining
class balancing
logistic regression
Online Access:https://www.mdpi.com/2227-9091/13/2/20
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