WhatGivesMaking Loans that Change Lives More Successful

Saba Zuberi

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Platform to crowd-source microfinance loans for underserved groups around the world

Microfinance"Institution

Microfinance"Institution

Microfinance"Institution

Funds received ONLY if loan is fully funded in 30 days

WhatGivesTool for the Microfinance Institutions:

PREDICTION: Probability a loan will be funded on Kiva

ACTION: Tailor terms of loan to maximize funding success

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*A product that Kiva is building internally

Collect 27000 loans Kiva API

2012-2013

Clean data and Select Features."!• 352 possible features -

categorical and continuous.

• Avoid bias and overfitting.

26 features: loan terms, borrower information, posting data

Implement Random Forest Algorithm

Collect 27000 loans Kiva API

2012-2013

Clean data and Select Features"!• 352 possible features -

categorical and continuous

• Avoid bias and overfitting

26 features: loan terms, borrower information, posting data

Implement Random Forest Algorithm

Obtain 86% success rate on test data.F1 score = 0.84

Explore

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Loan Amount Repayment Term Posted Month Gender

Top FeaturesRich data set with lots of structure

Explore

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Loan Amount Repayment Term Posted Month Gender

Top FeaturesRich data set with lots of structure

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Monthly Funding Probability

Holiday Giving Drive

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anti�kT pruning

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Cambridge�Aachen pruning

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kT pruning

Clustering Algorithms

Saba Zuberi, Physics PhD