International Journal of Neutrosophic Science

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https://doi.org/10.54216/IJNS

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2690-6805ISSN (Online) 2692-6148ISSN (Print)

Volume 26 , Issue 2 , PP: 204-214, 2025 | Cite this article as | XML | Html | PDF | Full Length Article

Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach

Elvir Akhmetshin 1 * , Ilyos Abdullayev 2 , Aleksey Ilyin 3 , Denis Shakhov 4 , Tatyana Khorolskaya 5

  • 1 Department of Economics, Mamun University, Khiva, 220900, Uzbekistan; Faculty of Economics, RUDN University, Moscow, 117198, Russia - (akhmetshin@mamunedu.uz)
  • 2 Department of Business and Management, Urgench State University, Urgench, 220100, - (ilyos.a@urdu.uz)
  • 3 Kursk Branch, Financial University under the Government of the Russian Federation, Moscow, 125167, Russia - (aeilin@fa.ru)
  • 4 Department of Economics and Management, Khorezm University of Economics, Urgench, 220100, Uzbekistan - (shakhov@mymail.academy)
  • 5 Department of Money Circulation and Credit, Kuban State Agrarian University named after I.T. Trubilin, Krasnodar, 350044, Russia - (tatyana.e.khorolskaya@yandex.ru)
  • Doi: https://doi.org/10.54216/IJNS.260215

    Received: December 22, 2024 Revised: February 06, 2025 Accepted: March 09, 2025
    Abstract

    A neutrosophic set (NS) contains 3 modules such as the degree of truth (T), degree of falsity (F), and degree of indeterminacy (I). While fuzzy graphs (FG) occasionally fall short of providing optimum outcomes, the NS and neutrosophic graphs (NG) provide a strong substitute, which efficiently handles the uncertainties related to indeterminate and inconsistent data in real-life scenarios. Conversely, bipolar neutrosophic methods, which account for both negative and positive effects, deliver a more flexible and applicable technique. Financial crisis prediction (FCP) is inherent in the detection of major social and economic impacts that crises of financial might hold on a global measure. It generally outcomes in vast financial losses, redundancy, and losses in values of assets that lead to significantly affected individuals and businesses. In recent times, the credit risk prediction methods have aided businesses in resolving whether to award credit to users who applied. This paper presents the Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach (FCRF-BSVNGSA) method. The main intention of the FCRF-BSVNGSA method is to develop an effective method for financial credit risk prediction using advanced methods. At first, the data normalization stage utilizes Z-score normalization for converting the input data into a beneficial format. Furthermore, for the financial credit risk classification process, the proposed FCRF-BSVNGSA model employs the bipolar single-valued neutrosophic graphs (BSVNG) approach. Finally, the multi‐objective hippopotamus optimization (MOHO) approach fine-tunes the hyperparameter values of the BSVNG model optimally and results in superior classification performance. An extensive simulation of the FCRF-BSVNGSA approach is performed under the Statlog (German Credit Data) dataset. The experimental validation of the FCRF-BSVNGSA approach portrayed a superior accuracy value of 95.59% over exisitng techniques.

    Keywords :

    Financial Credit Risk Forecasting , Data Normalization , Fuzzy Graphs , Bipolar Neutrosophic Set , Single-Valued Neutrosophic Graph

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    Cite This Article As :
    Akhmetshin, Elvir. , Abdullayev, Ilyos. , Ilyin, Aleksey. , Shakhov, Denis. , Khorolskaya, Tatyana. Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach. International Journal of Neutrosophic Science, vol. , no. , 2025, pp. 204-214. DOI: https://doi.org/10.54216/IJNS.260215
    Akhmetshin, E. Abdullayev, I. Ilyin, A. Shakhov, D. Khorolskaya, T. (2025). Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach. International Journal of Neutrosophic Science, (), 204-214. DOI: https://doi.org/10.54216/IJNS.260215
    Akhmetshin, Elvir. Abdullayev, Ilyos. Ilyin, Aleksey. Shakhov, Denis. Khorolskaya, Tatyana. Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach. International Journal of Neutrosophic Science , no. (2025): 204-214. DOI: https://doi.org/10.54216/IJNS.260215
    Akhmetshin, E. , Abdullayev, I. , Ilyin, A. , Shakhov, D. , Khorolskaya, T. (2025) . Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach. International Journal of Neutrosophic Science , () , 204-214 . DOI: https://doi.org/10.54216/IJNS.260215
    Akhmetshin E. , Abdullayev I. , Ilyin A. , Shakhov D. , Khorolskaya T. [2025]. Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach. International Journal of Neutrosophic Science. (): 204-214. DOI: https://doi.org/10.54216/IJNS.260215
    Akhmetshin, E. Abdullayev, I. Ilyin, A. Shakhov, D. Khorolskaya, T. "Towards Sustainable Economy: Boosting Financial Credit Risk Forecasting Using Bipolar Single-Valued Neutrosophic Graph Sets Approach," International Journal of Neutrosophic Science, vol. , no. , pp. 204-214, 2025. DOI: https://doi.org/10.54216/IJNS.260215