{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,9,11]],"date-time":"2025-09-11T19:01:55Z","timestamp":1757617315215,"version":"3.44.0"},"reference-count":25,"publisher":"Springer Science and Business Media LLC","issue":"27","license":[{"start":{"date-parts":[[2024,12,30]],"date-time":"2024-12-30T00:00:00Z","timestamp":1735516800000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"},{"start":{"date-parts":[[2024,12,30]],"date-time":"2024-12-30T00:00:00Z","timestamp":1735516800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.springernature.com\/gp\/researchers\/text-and-data-mining"}],"content-domain":{"domain":["link.springer.com"],"crossmark-restriction":false},"short-container-title":["Multimed Tools Appl"],"DOI":"10.1007\/s11042-024-20494-3","type":"journal-article","created":{"date-parts":[[2024,12,29]],"date-time":"2024-12-29T19:52:02Z","timestamp":1735501922000},"page":"33071-33093","update-policy":"https:\/\/doi.org\/10.1007\/springer_crossmark_policy","source":"Crossref","is-referenced-by-count":1,"title":["Defaulter detection based on Spearman correlation with hyper tuned SVM classification for preventing non-performing assets occurring in bank"],"prefix":"10.1007","volume":"84","author":[{"given":"Rajib","family":"Mallik","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Shalini","family":"Puri","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Ashok","family":"Bhansali","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"R.","family":"Manikandan","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"L.","family":"Rahunathan","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"297","published-online":{"date-parts":[[2024,12,30]]},"reference":[{"key":"20494_CR1","first-page":"2679","volume":"9","author":"S Karthick","year":"2017","unstructured":"Karthick S (2017) Semi supervised hierarchy forest clustering and knn based metric learning technique for machine learning system. J Adv Res Dyn Control Syst 9:2679\u20132690","journal-title":"J Adv Res Dyn Control Syst"},{"key":"20494_CR2","doi-asserted-by":"publisher","unstructured":"Ingle R, Selvi CK, Ahilan A, Muthukumaran N, Sharma S, Kumar M (2024) SERAV Deep-MAD: deep learning-based security\u2013reliability\u2013availability aware multiple D2D environment. IETE J Res 1\u201314. https:\/\/doi.org\/10.1080\/03772063.2024.2415502","DOI":"10.1080\/03772063.2024.2415502"},{"issue":"2","key":"20494_CR3","doi-asserted-by":"publisher","first-page":"20","DOI":"10.21928\/uhdjst.v5n2y2021.pp20-25","volume":"5","author":"AA Faraj","year":"2021","unstructured":"Faraj AA, Mahmud DA, Rashid BN (2021) Comparison of different ensemble methods in credit card default prediction. UHD J Sci Technol 5(2):20\u201325","journal-title":"UHD J Sci Technol"},{"issue":"1","key":"20494_CR4","first-page":"135","volume":"5","author":"MA Khan","year":"2020","unstructured":"Khan MA, Siddique A, Sarwar Z (2020) Determinants of non-performing loans in the banking sector in developing state. Asian J Acc Res 5(1):135\u2013145","journal-title":"Asian J Acc Res"},{"issue":"8","key":"20494_CR5","doi-asserted-by":"publisher","first-page":"3489","DOI":"10.1166\/jctn.2019.8313","volume":"16","author":"HI Tariq","year":"2019","unstructured":"Tariq HI, Sohail A, Aslam U, Batcha NK (2019) Loan default prediction model using sample, explore, modify, model, and assess (SEMMA). J Comput Theor Nanosci 16(8):3489\u20133503","journal-title":"J Comput Theor Nanosci"},{"issue":"1","key":"20494_CR6","doi-asserted-by":"publisher","first-page":"103","DOI":"10.1057\/s41294-018-0072-6","volume":"61","author":"CH Le","year":"2019","unstructured":"Le CH, Nguyen HL (2019) Collateral quality and loan default risk: the case of Vietnam. Comp Econ Stud 61(1):103\u2013118","journal-title":"Comp Econ Stud"},{"key":"20494_CR7","doi-asserted-by":"publisher","first-page":"232","DOI":"10.1016\/j.qref.2018.12.004","volume":"72","author":"M Brei","year":"2019","unstructured":"Brei M, Mohan P, Strobl E (2019) The impact of natural disasters on the banking sector: evidence from hurricane strikes in the Caribbean. Q Rev Econ Finance 72:232\u2013239","journal-title":"Q Rev Econ Finance"},{"issue":"1","key":"20494_CR8","first-page":"22","volume":"6","author":"D Kumar","year":"2020","unstructured":"Kumar D, Hossain MZ, Islam MS (2020) Non-performing loans in banking sector of Bangladesh: an evaluation. Int J Appl Econ Finance Acc 6(1):22\u201329","journal-title":"Int J Appl Econ Finance Acc"},{"issue":"8","key":"20494_CR9","first-page":"69","volume":"11","author":"AS Alshebmi","year":"2020","unstructured":"Alshebmi AS, Adam MH, Mustafa AM, Abdelmaksoud MT (2020) Assessing the non-performing loans and their effect on banks profitability: empirical evidence from the Saudi Arabia banking sector. Int J Innov Creativity Change 11(8):69\u201393","journal-title":"Int J Innov Creativity Change"},{"key":"20494_CR10","doi-asserted-by":"publisher","first-page":"766","DOI":"10.1016\/j.procs.2019.09.113","volume":"158","author":"M Yurttadur","year":"2019","unstructured":"Yurttadur M, Celiktas E, Celiktas E (2019) The place of non-performing loans in the Turkish banking sector. Procedia Comput Sci 158:766\u2013771","journal-title":"Procedia Comput Sci"},{"issue":"1","key":"20494_CR11","doi-asserted-by":"publisher","first-page":"7","DOI":"10.1186\/s43093-022-00117-9","volume":"8","author":"SS Anita","year":"2022","unstructured":"Anita SS, Tasnova N, Nawar N (2022) Are non-performing loans sensitive to macroeconomic determinants? An empirical evidence from banking sector of SAARC countries. Future Bus J 8(1):7","journal-title":"Future Bus J"},{"issue":"5","key":"20494_CR12","doi-asserted-by":"publisher","first-page":"217","DOI":"10.3390\/jrfm14050217","volume":"14","author":"S Ahmed","year":"2021","unstructured":"Ahmed S, Majeed ME, Thalassinos E, Thalassinos Y (2021) The impact of bank specific and macro-economic factors on non-performing loans in the banking sector: evidence from an emerging economy. J Risk Financial Manage 14(5):217","journal-title":"J Risk Financial Manage"},{"issue":"4","key":"20494_CR13","first-page":"11286","volume":"4","author":"K Digdowiseiso","year":"2021","unstructured":"Digdowiseiso K (2021) The effects of Capital Adequacy Ratio, Non-performing Loan, Loan to Deposit ratio, and return on assets on stock prices in Banking Sector over the period 2015\u20132019. Budapest International Research and Critics Institute-Journal. (BIRCI-Journal) 4(4):11286\u201311293","journal-title":"(BIRCI-Journal)"},{"issue":"1","key":"20494_CR14","doi-asserted-by":"publisher","first-page":"106","DOI":"10.33722\/afes.494510","volume":"8","author":"AP Mehmet","year":"2019","unstructured":"Mehmet AP, \u0130SLAMO\u011eLU M (2019) Determining the relationship between non-performing loans, economic growth, and asset size: an application in Turkish participation Banking Sector. Afro Eurasian Stud 8(1):106\u2013123","journal-title":"Afro Eurasian Stud"},{"key":"20494_CR15","doi-asserted-by":"publisher","first-page":"119882","DOI":"10.1016\/j.eswa.2023.119882","volume":"223","author":"F Baser","year":"2023","unstructured":"Baser F, Koc O, Selcuk-Kestel AS (2023) Credit risk evaluation using clustering based fuzzy classification method. Expert Syst Appl 223:119882","journal-title":"Expert Syst Appl"},{"key":"20494_CR16","doi-asserted-by":"publisher","first-page":"101536","DOI":"10.1016\/j.ribaf.2021.101536","volume":"59","author":"K Yuan","year":"2022","unstructured":"Yuan K, Chi G, Zhou Y, Yin H (2022) A novel two-stage hybrid default prediction model with k-means clustering and support vector domain description. Res Int Bus Finance 59:101536","journal-title":"Res Int Bus Finance"},{"issue":"1","key":"20494_CR17","first-page":"1","volume":"19","author":"Q Zhu","year":"2023","unstructured":"Zhu Q, Ding W, Xiang M, Hu M, Zhang N (2023) Loan default prediction based on Convolutional Neural Network and LightGBM. Int J Data Warehous Min (IJDWM) 19(1):1\u201316","journal-title":"Int J Data Warehous Min (IJDWM)"},{"issue":"621","key":"20494_CR18","first-page":"75","volume":"4","author":"S Bayraci","year":"2019","unstructured":"Bayraci S, Susuz O (2019) A deep neural network (DNN) based classification model in application to loan default prediction. Theoretical Appl Econ 4(621):75\u201384","journal-title":"Theoretical Appl Econ"},{"issue":"2","key":"20494_CR19","doi-asserted-by":"publisher","first-page":"1391","DOI":"10.1007\/s40747-022-00854-y","volume":"9","author":"C Rao","year":"2023","unstructured":"Rao C, Liu Y, Goh M (2023) Credit risk assessment mechanism of personal auto loan based on PSO-XGBoost Model. Complex Intell Syst 9(2):1391\u20131414","journal-title":"Complex Intell Syst"},{"issue":"9","key":"20494_CR20","doi-asserted-by":"publisher","first-page":"1608","DOI":"10.28991\/cej-2021-03091747","volume":"7","author":"FB Hamzah","year":"2021","unstructured":"Hamzah FB, Hamzah FM, Razali SM, Samad H (2021) A comparison of multiple imputation methods for recovering missing data in hydrological studies. Civil Eng J 7(9):1608\u20131619","journal-title":"Civil Eng J"},{"issue":"4","key":"20494_CR21","first-page":"10","volume":"19","author":"S Kappal","year":"2019","unstructured":"Kappal S (2019) Data normalization using median median absolute deviation MMAD based Z-score for robust predictions vs. min\u2013max normalization. Lond J Res Science: Nat Formal 19(4):10\u20133140","journal-title":"Lond J Res Science: Nat Formal"},{"key":"20494_CR22","doi-asserted-by":"publisher","first-page":"3590","DOI":"10.1007\/s10664-020-09848-1","volume":"25","author":"J Jiarpakdee","year":"2020","unstructured":"Jiarpakdee J, Tantithamthavorn C, Treude C (2020) The impact of automated feature selection techniques on the interpretation of defect models. Empir Softw Eng 25:3590\u20133638","journal-title":"Empir Softw Eng"},{"key":"20494_CR23","doi-asserted-by":"publisher","first-page":"114139","DOI":"10.1016\/j.eswa.2020.114139","volume":"168","author":"DJ Kalita","year":"2021","unstructured":"Kalita DJ, Singh VP, Kumar V (2021) A dynamic framework for tuning SVM hyper parameters based on moth-flame optimization and knowledge-based-search. Expert Syst Appl 168:114139","journal-title":"Expert Syst Appl"},{"key":"20494_CR24","doi-asserted-by":"publisher","first-page":"202","DOI":"10.1016\/j.asoc.2019.03.037","volume":"80","author":"HA Fayed","year":"2019","unstructured":"Fayed HA, Atiya AF (2019) Speed up grid-search for parameter selection of support vector machines. Appl Soft Comput 80:202\u2013210","journal-title":"Appl Soft Comput"},{"key":"20494_CR25","unstructured":"Dataset 1 https:\/\/www.kaggle.com\/competitions\/bank-of-indiana-defaultprediction\/data Accessed 22 Jan 2023"}],"container-title":["Multimedia Tools and Applications"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s11042-024-20494-3.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/article\/10.1007\/s11042-024-20494-3\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/link.springer.com\/content\/pdf\/10.1007\/s11042-024-20494-3.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,9,6]],"date-time":"2025-09-06T02:52:23Z","timestamp":1757127143000},"score":1,"resource":{"primary":{"URL":"https:\/\/link.springer.com\/10.1007\/s11042-024-20494-3"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2024,12,30]]},"references-count":25,"journal-issue":{"issue":"27","published-online":{"date-parts":[[2025,8]]}},"alternative-id":["20494"],"URL":"https:\/\/doi.org\/10.1007\/s11042-024-20494-3","relation":{},"ISSN":["1573-7721"],"issn-type":[{"type":"electronic","value":"1573-7721"}],"subject":[],"published":{"date-parts":[[2024,12,30]]},"assertion":[{"value":"17 November 2023","order":1,"name":"received","label":"Received","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"5 March 2024","order":2,"name":"revised","label":"Revised","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"18 April 2024","order":3,"name":"accepted","label":"Accepted","group":{"name":"ArticleHistory","label":"Article History"}},{"value":"30 December 2024","order":4,"name":"first_online","label":"First Online","group":{"name":"ArticleHistory","label":"Article History"}},{"order":1,"name":"Ethics","group":{"name":"EthicsHeading","label":"Declarations"}},{"value":"This article is a completely original work of its authors; it has not been published before and will not be sent to other publications until the journal\u2019s editorial board decides not to accept it for publication.","order":2,"name":"Ethics","group":{"name":"EthicsHeading","label":"Compliance with ethical standards"}},{"value":"The authors declared that they have no conflicts of interest to this work. We declare that we do not have any commercial or associative interest that represents a conflict of interest in connection with the work submitted.","order":3,"name":"Ethics","group":{"name":"EthicsHeading","label":"Conflict of interest"}}]}}