Individual entrepreneur scoring

Assessment of the probability of default by an individual entrepreneur, based on the data from open sources and credit history

A scoring model will be useful for assessment of the solvency and monitoring of an individual, registered as an individual entrepreneur.

High accuracy of prediction is achieved by taking into account the integrated influence of factors of credit history, the Unified State Register of Legal Entities and Individual Entrepreneurs, the Unified State Register of Enforcement Proceedings. Building of the model involved the analysis of data from more than 900,000 individual entrepreneurs.

Individual entrepreneur scoring is possible only for an individual who is registered as an individual entrepreneur, and has at least a 3-month long credit history.

What it includes:

Identification

Currently valid identification data of a borrower and the data update history.

Real-time provision of the information on the number of requests made for the subject.

Alert

Comments from the subject, reports of a lost passport, disputing a loan contract or activated FREEZE, credit history correction, certificate of passing the financial literacy test and information about the possible death of the person.

Individual entrepreneur scoring

The scoring model demonstrates the probability of default by an individual entrepreneur.

Information about bankruptcy

Information about a business entity in respect of which bankruptcy proceedings are ongoing or have been completed.

Model

Goal function

Payments overdue by more than 90 days, and amounting to more than 500 UAH

Predictors

Data from the Unified State Register, enforcement proceedings, credit history

Method

Intellectual analysis of a text, gradient boosting

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