What gives

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

$ received ONLY if loan is fully funded

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 and visualize data. Select Features 26 features: loan terms,

borrower information, posting data

Implement Random Forest Algorithm

Collect 27000 loans Kiva API

2012-2013

Clean and visualize data. Select Features 26 features: loan terms,

borrower information, posting data

Implement Random Forest AlgorithmWhy Random Forest?"

!Better performance than logistic regression !Good for categorical and continuous data !Yields probabilities

Obtain 86% success rate on test set.

Explore

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Loan Amount Repayment Term Posted Month Gender

Top Features

Explore

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Loan Amount Repayment Term Posted Month Gender

Top Features

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Monthly Funding Probability

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anti�kT pruning

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Cambridge�Aachen pruning

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kT pruning

Clustering Algorithms