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Mikaria Gultom

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Open access Aug 2026

Explainable Ensemble Learning for Loan Approval Prediction Using XGBoost, LightGBM, and Random Forest with SHAP Analysis

An explainable ensemble learning framework for predicting loan approval using Random Forest, XGBoost, and LightGBM models is proposed and it is revealed that CreditScore, EmploymentType, and Income are the most influential factors in determining loan approval decisions.

Mikaria Gultom · 0 citations

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