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Chapter 19

Incorporating Qualitative Information for Credit Risk Assessment through Frequent Subtree Mining for XML

Novita Ikasari

Curtin University, Australia & University of Indonesia, Indonesia

Fedja Hadzic

Curtin University, Australia

Tharam S. Dillon

Curtin University, Australia

ABSTRACT

Credit risk assessment has been one of the most appealing topics in banking and finance studies, attracting both scholars’ and practitioners’ attention for some time. Following the success of the Grameen Bank, works on credit risk, in particular for Small Medium Enterprises (SMEs), have become essential. The distinctive character of SMEs requires a method that takes into account quantitative and qualitative information for loan granting decision purposes. In this ...

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