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Ouaderhman Tayeb
Soultan Moulayslimane University
Computer Science & IT Engineering

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Intelligent credit scoring system using knowledge management Bazzi Mehdi; Chamlal Hasna; El Kharroubi Ahmed; Ouaderhman Tayeb
IAES International Journal of Artificial Intelligence (IJ-AI) Vol 8, No 4: December 2019
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (275.252 KB) | DOI: 10.11591/ijai.v8.i4.pp391-398

Abstract

Promoting entrepreneurship among Moroccan young people has been challenged by a plethora of economic and social problems in the aftermath of the Arab Spring. Several government programs have been set up for young entrepreneurs. Thus, faced with the large number of credit applications solicited by these young entrepreneurs, banks resorted to artificial intelligence techniques. In this respect, this article aims at proposing a decision-making system enabling the bank to automate its credit granting process. It is a tool that allows the bank, in the first instance, to select promising projects through a scoring approach adapted to this segment of entrepreneurs. In the second step, the tool allows the setting of the maximum credit amount to be allocated to the selected project. Finally, based on the knowledge of the bank’s experts, the tool proposes a breakdown of the amount granted by the bank into several products adapted to the needs of the entrepreneur.
Co-Authors Bazzi Mehdi Chamlal Hasna El Kharroubi Ahmed