From Crisis to Algorithm: Credit Delinquency Prediction in Peru Under Critical External Factors Using Machine Learning

From Crisis to Algorithm: Credit Delinquency Prediction in Peru Under Critical External Factors Using Machine Learning

Robust credit risk prediction in emerging economies increasingly demands the integration of external factors (EFs) beyond borrowers’ control. This study introduces a scenario-based methodology to incorporate EF—namely COVID-19 severity (mortality and confirmed cases), climate anomalies (temperature...

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Bibliographic Details
Main Authors: Jomark Noriega, Luis Rivera, Jorge Castañeda, José Herrera
Format: Article
Language:English
Published: MDPI AG 2025-04-01
Series:Data
Subjects:
loan
credit risk
prediction
machine learning
external factors
Online Access:https://www.mdpi.com/2306-5729/10/5/63
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