WhatGives Making Loans that Change Lives More Successful Saba Zuberi
Welcome message from author
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
Transcript
WhatGivesMaking Loans that Change Lives More Successful
Saba Zuberi
!
Platform to crowd-source microfinance loans for underserved groups around the world
Microfinance"Institution
Microfinance"Institution
Microfinance"Institution
Funds received ONLY if loan is fully funded in 30 days
WhatGivesTool for the Microfinance Institutions:
PREDICTION: Probability a loan will be funded on Kiva
ACTION: Tailor terms of loan to maximize funding success
!
*A product that Kiva is building internally
Collect 27000 loans Kiva API
2012-2013
Clean data and Select Features."!• 352 possible features -
categorical and continuous.
• Avoid bias and overfitting.
26 features: loan terms, borrower information, posting data
Implement Random Forest Algorithm
Collect 27000 loans Kiva API
2012-2013
Clean data and Select Features"!• 352 possible features -
categorical and continuous
• Avoid bias and overfitting
26 features: loan terms, borrower information, posting data
Implement Random Forest Algorithm
Obtain 86% success rate on test data.F1 score = 0.84
Explore
0
0.1
0.2
0.3
0.4
Loan Amount Repayment Term Posted Month Gender
Top FeaturesRich data set with lots of structure
Explore
0
0.1
0.2
0.3
0.4
Loan Amount Repayment Term Posted Month Gender
Top FeaturesRich data set with lots of structure
0
0.25
0.5
0.75
1
Month
Jan
Feb
Mar
Apr
May
Jun Ju
lAug
Sep Oc
tNov
Dec
Monthly Funding Probability
Holiday Giving Drive
⇥y
⇥⇤
anti�kT pruning
�y
�⇥
Cambridge�Aachen pruning
�y
�⇥
kT pruning
Clustering Algorithms
Saba Zuberi, Physics PhD
