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
· Journal of Digital Market an... · 0 citations