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AI-BASED LOAN APPROVAL SYSTEMS USING MACHINE LEARNING

📘 Volume 12 📄 Issue 6 📅 June 2026

👤 Authors

P. Logaiyan 1 , V.Navin 2
1. Student, MASTER OF COMPUTER APPLICATIONS, Sri Manakula Vinayagar Engineering college
2. Student, Department of Master of Computer Applications, Sri Manakula Vinayagar Engineering College

📄 Abstract

Loan Application data and determine the creditworthiness of the applicant and their ability to repay the loan. The AI-Based Loan Approval System will process loan applications faster and produce more accurate results than traditional manual loan approval systems do. Lastly, the use of AI technologies will help banks and financial institutions to reduce the risk associated with loan approvals due to improved automation and accuracy of loan decision-making. These efficiencies gained by using an AI-Based Loan Approval System can help them maintain profitability in the ever-increasing competitive marketplace as well as enhance customer satisfaction. In summary, this research study will provide an insight of developing an AI-Based Loan Approval System for use in loan processing.

🏷️ Keywords

Machine Learning (ML) provides an accurate method for predicting loan availability (or not) and fulfilling credit risk requirements using Classification Algorithms through Financial Analysis. Validation will guarantee that the Loan & Credit Scoring programs; Prediction Model; Banking Automation; Decision Support System; Data Mining; and Risk Management methods will function reliably.

📚 How to Cite:

P. Logaiyan , V.Navin , AI-BASED LOAN APPROVAL SYSTEMS USING MACHINE LEARNING , Volume 12 , Issue 6, June 2026, EPRA International Journal of Multidisciplinary Research (IJMR) , Pages: 126 - 132 ,

🔗 PDF URL

https://cdn.eprapublishing.org/article/1780824314996-19.EPRA28234.pdf

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