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All Journal Signifikan : Jurnal Ilmu Ekonomi El Dinar MANAJERIAL Media Mahardhika Matrik : Jurnal Manajemen dan Teknik Industri Produksi Ilomata International Journal of Tax and Accounting Jurnal Revenue : Jurnal Ilmiah Akuntansi Jurnal Manajemen dan Inovasi (MANOVA) Akuntansi dan Teknologi Informasi Jurnal Akuntansi, Manajemen, Bisnis dan Teknologi Journal of Islamic Economic and Business Research Journal of Asset Management and Public Economy Journal of Artificial Intelligence and Digital Business Journal of Economics, Business, Management, Accounting And Social Sciences Klabat Accounting Review AMMA : Jurnal Pengabdian Masyarakat TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Jurnal Inovasi Akuntansi IJBLPS Journal of Digital Business and Innovation Management Journal of Accounting and Financial Issue Ekomania The International Journal of Financial Systems International Journal of Islamic Economics (IJIE) Jurnal Archipelago Balance: Journal of Islamic Accounting JEMABITEK Alkasb: Journal of Islamic Economics International Journal of Islamic Finance (IJIF)
Iman Supriadi
STIE Mahardhika Surabaya
Religion Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Nursing Social Sciences Other

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Journal : The International Journal of Financial Systems

 1 
Implementing Innovative Credit Scoring (ICS) for Credit Risk Assessment and Loan Origination Supriadi, Iman; Maghfiroh, Rahma Ulfa; Abadi, Rukhul
The International Journal of Financial Systems Vol. 3 No. 1 (2025)
Publisher : Otoritas Jasa Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61459/ijfs.v3i1.36

Abstract

This research aims to analyze the implementation of Innovative Credit Scoring (ICS) in the financial industry through case studies of banks and fintech startups. This research uses a qualitative approach with case studies as the primary research design. The results show that ICS can improve process efficiency, scoring accuracy, and inclusiveness of credit access. ICS has significant practical implications, including improved efficiency, more accurate risk assessment, and more inclusive access to credit. Recommendations include cooperation with technology companies, regulatory oversight, attention to ethical aspects and algorithm bias, and developing a validation framework.
Co-Authors Abadi, Rukhul Adi Rahardjo, Kusuma Adrie Manafe, Leonard Ahmad Taufiq Alfiyatussholichah, Alfiyatussholichah Amirah, Fathin Anita Kartika Sari Arinanda, Rizka Maulidia Aulia Nurjami, Mesya Ayu, Dewi Bayu , Aditya Della Putri Satiya Ningtyas Dewi Mumpuni Yudowati Dewie Trie Wijayati Eka Sulistyia Rini , Novita Ela Diana Saputri Eva Wany Eva Wany, Eva Farikhah Rohmatul Hidayah Fatchurrohman, Mochamad Fitri Komariyah Hadmanti, Tiara Hendra Dwi Prasetyo Herdijanto, Teguh I.G.A Sri Deviyanti Ida, Rahvita Ijadiyah, Ni’matul Jamhari Jamhari Kusuma Adi Rahardjo Kusuma Adi Rahardjo Kusuma Adi Rahardjo Lely Larasati Lisa Lisa Maghfiroh, Rahma Ulfa Maghfiroh, Rahma Ulva Maxi Steven Sahetapy Meilina, Devi Miya Dewi Suprihandari Mumpuni Yudowati, Dewi Nas’ifah, Zanitsa Nindya Kartika Kusmayati Ni’matul Ijadiyah Nofita Anggreani Novira Rihadatul Aisyah Nuruddin Parwita Setya Wardhani Puspitasari, Fanny Dwi Rahma Ulfa Maghfiroh Rahma Ulfa Maghfiroh Rahma Ulfa Maghfiroh Reza Nur Fauzi Rukhul Abadi Rukhul Abadi S, Hesti Ayu Sari, Anita Kartika Stafrezar, Burhan Tobing, Herna Ulfa Maghfiroh, Rahma Wahjoedi, Tri Wahyu Handayani Wulandari Harjanti Zahra, Gabinda Zulafa Arianty, Gabinda Zahra