Mikaria Gultom

Explainable Ensemble Learning for Loan Approval Prediction Using XGBoost, LightGBM, and Random Forest with SHAP Analysis

Loan approval prediction is a critical task in financial institutions, as it directly impacts risk management and decision-making processes. However, challenges such as class imbalance and lack of model interpretability often limit the effectiveness and reliability of machine learning approaches. This study proposes an...