The research uses a machine learning approach to appraising the validity of customer aptness for a loan. Banks and non-banking financial companies (NBFC) face significant non-performing assets (NPAs) threats because of the non-payment of loans. In this study, the data is collected from Kaggle and tested using various machine learning models to determine if the borrower can repay its loan. In addition, we analysed the performance of the models [K-nearest neighbours (K-NN), logistic regression, support vector machines (SVM), decision tree, naive Bayes and neural networks]. The purpose is to support decisions that are based not on subjective aspects but objective data analysis. This work aims to analyse how objective factors influence borrowers to default loans, identify the leading causes contributing to a borrower's default loan. The results show that the decision tree classifier gives the best result, with a recall rate of 0.0885 and a false- negative rate of 5.4%.

"That’s why, today, I am proud to announce a series of grants to organizations that offer mentoring programs specifically targeting children with a parent in the military," said Attorney General Holder.

Acting Assistant Attorney General for the Office of Justice Programs Mary Lou Leary announced that Robert L. Listenbee Jr. has assumed the role as administrator of the Office of Juvenile Justice and Delinquency Prevention.

"Today, I am firmly committed – as I know everyone here is committed – to keep the promises we’ve made to the American people, and especially to survivors and victims’ families in communities like Newtown," said Attorney General Holder.

Building on the work of the original and successful Defending Childhood Task Force and efforts across the Department of Justice in Indian country, the American Indian and Alaska Native Task Force will consist of two groups – an Advisory Committee and a Federal Working Group.

Ellwanger, Steven J., 1971-

The outstanding portfolio of private banks in the credit card space has increased by 59 per cent year-on-year while other issuers saw a 20 per cent growth in 2019 over 2018.