Developing the Logical Framework of the Scoring Process

Model on the basis of logistic regression according with Knowledge Discovery in Databases (KDD) process by means of statistical programming language R, open source integrated development environment RStudio and software for predictive analytics RapidMiner has been considered. The approach takes into account interconnections of key factors based on analysis of the different measurable parameters. The main feature of the developed model is specificity and adaptiveness. E.g., in finance aspects microloans have their own characteristics in contrast to bank loans hence standard approaches are ineffective. The developed model solves this problem.