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THE USE OF FUZZY LOGIC AND CONTROL SYSTEMS IN THE FINAL STEP OF CONSUMER LENDING DECISIONS

Yıl 2021, Cilt: 14 Sayı: 1, 295 - 296, 30.06.2021

Gülcan Petriçli Gül Gökay Emel

Öz

THE USE OF FUZZY LOGIC AND CONTROL SYSTEMS IN THE FINAL STEP OF CONSUMER LENDING DECISIONS
Correction: In the article which is published in the International Journal of Social Inquiry Vol: 13 Issue: 2 (December, 2020), the correct version of figure 11 is as follows:

Anahtar Kelimeler

Fuzzy Logic Fuzzy Logic Control Systems Fuzzy Inference Lending Decision Consumer Loans

Kaynakça

  • Abdou, Hussein A.; Pointon, John (2011). "Credit Scoring, Statistical Techniques and Evaluation Criteria: A Review of the Literature". Intelligent Systems in Accounting, Finance & Management, 18(2-3), 59–88.
  • Akkaya, Göktuğ Cenk; Demireli, E. (2010). "Analitik hi̇Yerarşi̇ Süreci̇ ile Kredi̇ Derecelendi̇rme Anali̇zi̇ Üzeri̇ne Bi̇r Model Öneri̇si̇". C.Ü. Sosyal Bilimler Enstitüsü Dergisi, 19(1), 319–335.
  • Alavala, Chennakesava R. (2008). Fuzzy Logic and Neural Networks. Hyderabad: New Age International Publishers.
  • Angilella, Silvia; Mazz`u, Sebastiano (2014). "The Financing of Innovative SMEs: A Multicriteria Credit Rating Model". Journal of Operational Researchs, 244(2), 540–554.
  • Antonov, Ivo (2000). "Quantitative vs. Judgemental Credit Risk-Rating Systems". The Journal of Lending & Credit Risk Management, 34–40.
  • Asa Berger, Arthur (2015). Ads, Fads, and Consumer Culture. (Fifth edit). Maryland: Rowman & Littlefield.
  • BDDK (2020). Türk Bankacılık Sektörü Temel Göstergeleri. https://www.bddk.org.tr/ ContentBddk/dokuman/duyuru_0816_01.pdf
  • Bouchon, Bernadette (1988). "Stability of Linguistic Modifiers Compatible with a Fuzzy Logic". Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics). NY: Springer, 63-70 https://doi.org/10.1007/3-540-19402-9_57
  • Chandler, Gary G.; Coffman, John Y. (1979). "A Comparative Analysis of Empirical vs. Judgemental Credit Evaluation". The Financial Review, 14(4), 23–23.
  • Chen, Guanrong; Pham, Trung Tat (2001). Introduction to Fuzzy Sets, Fuzzy Logic and Fuzzy Control Systems. CRC Press.
  • Çil Koçyiğit, Seyhan; Demir, Aysel (2014). "Türk Bankacılık Sektöründe Kredi Riski ve Yönetimine Ilişkin Bir Uygulama : Türkiye Garanti Bankası Örneği". İşletme Araştırmaları Dergisi, 6(3), 222–246.
  • Cornée, Simon (2015). The Relevance Of Soft Information For Predicting Small Business Credit Default: Evidence From A Social Bank. Brussel.
  • Cücük, Cengiz Öner (2019). "Kredi Taleplerinde Istihbarat ve Kredi Skorlamanın Karar Verme Süreçlerine Etkisi". Göller Bölgesi Aylık Hakemli Ekonomi ve Kültür Dergisi, 7(77), 63–71.
  • Elmas, Çetin (2011). Yapay Zeka Uygulamaları. Ankara: Seçkin Yayıncılık.
  • Ertaş, Fatih Coşkun; Kaban, İsmail; Sobacı, Fatih (2016). "Bireysel Kredi̇ Kullanan Fi̇nansal Tüketi̇ci̇lerce Üstleni̇lecek Masraflar; BDDK Düzenlemesi̇ Çerçevesi̇nde Karşılaştırmalı bi̇R Değerlendi̇rme". Finansal Araştırmalar ve Çalışmalar Dergisi, 8(14), 125–146. https://doi.org/10.14784/jfrs.21124
  • Felsefe e-Dersliği. (2009). "Sembolik mantık", http://www.felsefedersligi.com/FileUpload/ op30412/File/cokdegerliman.pdf (Erişim Tarihi: 03 Kasım 2019)
  • İnce, Hüseyin; Aktan, Bora (2010). "Kredi Kartı Taleplerinin Değerlendirilmesinde Grup ve Bireysel Kredi Puanlama Modellerinin Karşılaştırmalı Bir Analizi". BDDK Bankacılık ve Finansal Piyasalar, 4(1), 75–90.
  • Iorgulescu, Afrodita. (1998). "Connections between MVn Algebras and N-Valued Lukasiewicz-Moisil Algebras". Discrete Mathematics, 181(1–3), 155–177. https://doi.org/10.1016/ S0012-365X(97)00052-6
  • Jang, Jyh-Shing Roger; Sun, Chuen-Tsai; Mizutani, Eiji (1997). Neuro-Fuzzy and Soft Computing. Upper Saddle River, NJ: Prentice-Hall, Inc.
  • Jantzen, Jan (1998). Design of Fuzzy Controllers. Lyngby. https://doi.org/10.1109/ 3477.764873
  • Kalapodas, Evangelos; Thomson, Mary E. (2006). "Credit Risk Assessment: A Challenge for Financial Institutions". IMA Journal of Management Mathematics, 17(1), 25–46. https://doi.org/10.1093/imaman/dpi026
  • Kılınç, Neslihan; Karaoğlu, Nazlı (2014). "Tüketim Toplumu ve Bireysel Krediler; Türkiye Üzerine Bir Değerlendirme". International Conference in Economics, Prague, Czech Republic, 1–16.
  • Klir, George J.; Yuan, Bo (1995). Fuzzy Sets and Fuzzy Logic: Theory and Applications. Neurocomputing (C. 14). New Jersey: Prentice-Hall, Inc.
  • Peters, Werner (2008). "An Overview of Fuzzy Control Theory". R. Lowen, A. Verschoren (Eds.). Foundations of Generic Optimization, Belgium: Springer, 1–138. https://doi.org/10.1007/1-4020-3665-5
  • Polat, Ali; Yeşilyaprak, Mehmet. (2014). "The Importance of Subjective Criteria in Credit Ratings under Informality: Sectors and Regions with High Informality. An Analysis of Participation Banking in Turkey". İktisat İşletme ve Finans, 29(335), 9–28. https://doi.org/10.3848/iif.2014.335.3793
  • Ross, Timothy J. (2010). Fuzzy Logic with Engineering Applications. John Wiley & Sons Ltd, Wiley.
  • Şen, Zekai (2009). Bulanık Mantık İlkeleri ve Modelleme. İstanbul: Su Vakfı Yayınları.
  • Thomas, Lyn C. (2000). "A Survey of Credit and Behavioural Scoring: Forecasting Financial Risk of Lending to Consumers". International Journal of Forecasting, 16(2000), 149–172.
  • Trönnberg, Carl-Christian; Hemlin, Sven (2014). "Lending Decision Making in Banks: A Critical Incident Study of Loan Officers". European Management Journal, 32(2), 362–372. https://doi.org/10.1016/j.emj.2013.03.003
  • Vaníček, Jiri; Vrana, Ivan; Aly, Shady (2009). "Fuzzy Aggregation and Averaging for Group Decision Making: A Generalization and Survey". Knowledge-Based Systems, 22(1), 79–84. https://doi.org/10.1016/j.knosys.2008.07.002
  • Yarız, Ahmet (2011). "Bankacılıkta Risk Yönetimi: Risk Matrisi Uygulaması". Marmara Üniversitesi Bankacılık ve Sigortacılık Enstitüsü E-Dergisi, 1(1), 1–33.
  • Zadeh, Lotfi Aliasker (1965). "Fuzzy Sets". Information and Control, 8(1965), 338–353.
  • Zadeh, Lotfi Aliasker (1999). "Fuzzy Sets as a Basis for a Theory of Possibility". Fuzzy Sets and Systems, 100, 9–34. https://doi.org/10.1016/S0165-0114(99)80004-9

BULANIK MANTIK VE KONTROL SİSTEMLERİNİN BİREYSEL KREDİLENDİRMELERİN NİHAİ KARAR AŞAMASINDA KULLANIMI

Yıl 2021, Cilt: 14 Sayı: 1, 295 - 296, 30.06.2021

Gülcan Petriçli Gül Gökay Emel

Öz

BULANIK MANTIK VE KONTROL SİSTEMLERİNİN BİREYSEL KREDİLENDİRMELERİN NİHAİ KARAR AŞAMASINDA KULLANIMI
Düzeltme: International Journal of Social Inquiry Cilt: 13 Sayı: 2’de (Aralık, 2020) yayınlanan aşağıda künye bilgileri bulunan makalede şekil 11’in doğru hali aşağıdaki gibidir:

Anahtar Kelimeler

Bulanık Mantık Bulanık Mantık Kontrol Sistemi Bulanık Çıkarım Kredilendirme Kararı Bireysel Kredi

Kaynakça

  • Abdou, Hussein A.; Pointon, John (2011). "Credit Scoring, Statistical Techniques and Evaluation Criteria: A Review of the Literature". Intelligent Systems in Accounting, Finance & Management, 18(2-3), 59–88.
  • Akkaya, Göktuğ Cenk; Demireli, E. (2010). "Analitik hi̇Yerarşi̇ Süreci̇ ile Kredi̇ Derecelendi̇rme Anali̇zi̇ Üzeri̇ne Bi̇r Model Öneri̇si̇". C.Ü. Sosyal Bilimler Enstitüsü Dergisi, 19(1), 319–335.
  • Alavala, Chennakesava R. (2008). Fuzzy Logic and Neural Networks. Hyderabad: New Age International Publishers.
  • Angilella, Silvia; Mazz`u, Sebastiano (2014). "The Financing of Innovative SMEs: A Multicriteria Credit Rating Model". Journal of Operational Researchs, 244(2), 540–554.
  • Antonov, Ivo (2000). "Quantitative vs. Judgemental Credit Risk-Rating Systems". The Journal of Lending & Credit Risk Management, 34–40.
  • Asa Berger, Arthur (2015). Ads, Fads, and Consumer Culture. (Fifth edit). Maryland: Rowman & Littlefield.
  • BDDK (2020). Türk Bankacılık Sektörü Temel Göstergeleri. https://www.bddk.org.tr/ ContentBddk/dokuman/duyuru_0816_01.pdf
  • Bouchon, Bernadette (1988). "Stability of Linguistic Modifiers Compatible with a Fuzzy Logic". Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics). NY: Springer, 63-70 https://doi.org/10.1007/3-540-19402-9_57
  • Chandler, Gary G.; Coffman, John Y. (1979). "A Comparative Analysis of Empirical vs. Judgemental Credit Evaluation". The Financial Review, 14(4), 23–23.
  • Chen, Guanrong; Pham, Trung Tat (2001). Introduction to Fuzzy Sets, Fuzzy Logic and Fuzzy Control Systems. CRC Press.
  • Çil Koçyiğit, Seyhan; Demir, Aysel (2014). "Türk Bankacılık Sektöründe Kredi Riski ve Yönetimine Ilişkin Bir Uygulama : Türkiye Garanti Bankası Örneği". İşletme Araştırmaları Dergisi, 6(3), 222–246.
  • Cornée, Simon (2015). The Relevance Of Soft Information For Predicting Small Business Credit Default: Evidence From A Social Bank. Brussel.
  • Cücük, Cengiz Öner (2019). "Kredi Taleplerinde Istihbarat ve Kredi Skorlamanın Karar Verme Süreçlerine Etkisi". Göller Bölgesi Aylık Hakemli Ekonomi ve Kültür Dergisi, 7(77), 63–71.
  • Elmas, Çetin (2011). Yapay Zeka Uygulamaları. Ankara: Seçkin Yayıncılık.
  • Ertaş, Fatih Coşkun; Kaban, İsmail; Sobacı, Fatih (2016). "Bireysel Kredi̇ Kullanan Fi̇nansal Tüketi̇ci̇lerce Üstleni̇lecek Masraflar; BDDK Düzenlemesi̇ Çerçevesi̇nde Karşılaştırmalı bi̇R Değerlendi̇rme". Finansal Araştırmalar ve Çalışmalar Dergisi, 8(14), 125–146. https://doi.org/10.14784/jfrs.21124
  • Felsefe e-Dersliği. (2009). "Sembolik mantık", http://www.felsefedersligi.com/FileUpload/ op30412/File/cokdegerliman.pdf (Erişim Tarihi: 03 Kasım 2019)
  • İnce, Hüseyin; Aktan, Bora (2010). "Kredi Kartı Taleplerinin Değerlendirilmesinde Grup ve Bireysel Kredi Puanlama Modellerinin Karşılaştırmalı Bir Analizi". BDDK Bankacılık ve Finansal Piyasalar, 4(1), 75–90.
  • Iorgulescu, Afrodita. (1998). "Connections between MVn Algebras and N-Valued Lukasiewicz-Moisil Algebras". Discrete Mathematics, 181(1–3), 155–177. https://doi.org/10.1016/ S0012-365X(97)00052-6
  • Jang, Jyh-Shing Roger; Sun, Chuen-Tsai; Mizutani, Eiji (1997). Neuro-Fuzzy and Soft Computing. Upper Saddle River, NJ: Prentice-Hall, Inc.
  • Jantzen, Jan (1998). Design of Fuzzy Controllers. Lyngby. https://doi.org/10.1109/ 3477.764873
  • Kalapodas, Evangelos; Thomson, Mary E. (2006). "Credit Risk Assessment: A Challenge for Financial Institutions". IMA Journal of Management Mathematics, 17(1), 25–46. https://doi.org/10.1093/imaman/dpi026
  • Kılınç, Neslihan; Karaoğlu, Nazlı (2014). "Tüketim Toplumu ve Bireysel Krediler; Türkiye Üzerine Bir Değerlendirme". International Conference in Economics, Prague, Czech Republic, 1–16.
  • Klir, George J.; Yuan, Bo (1995). Fuzzy Sets and Fuzzy Logic: Theory and Applications. Neurocomputing (C. 14). New Jersey: Prentice-Hall, Inc.
  • Peters, Werner (2008). "An Overview of Fuzzy Control Theory". R. Lowen, A. Verschoren (Eds.). Foundations of Generic Optimization, Belgium: Springer, 1–138. https://doi.org/10.1007/1-4020-3665-5
  • Polat, Ali; Yeşilyaprak, Mehmet. (2014). "The Importance of Subjective Criteria in Credit Ratings under Informality: Sectors and Regions with High Informality. An Analysis of Participation Banking in Turkey". İktisat İşletme ve Finans, 29(335), 9–28. https://doi.org/10.3848/iif.2014.335.3793
  • Ross, Timothy J. (2010). Fuzzy Logic with Engineering Applications. John Wiley & Sons Ltd, Wiley.
  • Şen, Zekai (2009). Bulanık Mantık İlkeleri ve Modelleme. İstanbul: Su Vakfı Yayınları.
  • Thomas, Lyn C. (2000). "A Survey of Credit and Behavioural Scoring: Forecasting Financial Risk of Lending to Consumers". International Journal of Forecasting, 16(2000), 149–172.
  • Trönnberg, Carl-Christian; Hemlin, Sven (2014). "Lending Decision Making in Banks: A Critical Incident Study of Loan Officers". European Management Journal, 32(2), 362–372. https://doi.org/10.1016/j.emj.2013.03.003
  • Vaníček, Jiri; Vrana, Ivan; Aly, Shady (2009). "Fuzzy Aggregation and Averaging for Group Decision Making: A Generalization and Survey". Knowledge-Based Systems, 22(1), 79–84. https://doi.org/10.1016/j.knosys.2008.07.002
  • Yarız, Ahmet (2011). "Bankacılıkta Risk Yönetimi: Risk Matrisi Uygulaması". Marmara Üniversitesi Bankacılık ve Sigortacılık Enstitüsü E-Dergisi, 1(1), 1–33.
  • Zadeh, Lotfi Aliasker (1965). "Fuzzy Sets". Information and Control, 8(1965), 338–353.
  • Zadeh, Lotfi Aliasker (1999). "Fuzzy Sets as a Basis for a Theory of Possibility". Fuzzy Sets and Systems, 100, 9–34. https://doi.org/10.1016/S0165-0114(99)80004-9
Toplam 33 adet kaynakça vardır.

Ayrıntılar

Birincil Dil Türkçe
Bölüm Makaleler
Yazarlar

Gülcan Petriçli Bu kişi benim 0000-0001-6296-6183

Gül Gökay Emel Bu kişi benim 0000-0002-2921-1368

Yayımlanma Tarihi 30 Haziran 2021
Gönderilme Tarihi 2 Ocak 2021
Yayımlandığı Sayı Yıl 2021 Cilt: 14 Sayı: 1

Kaynak Göster

APA Petriçli, G., & Emel, G. G. (2021). BULANIK MANTIK VE KONTROL SİSTEMLERİNİN BİREYSEL KREDİLENDİRMELERİN NİHAİ KARAR AŞAMASINDA KULLANIMI. International Journal of Social Inquiry, 14(1), 295-296.

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