AJHSSR Journal – Page 2 – AJHSSR

AJHSSR Journal

July 20, 2025

Unified Customer Data Platforms for Banks: Overcoming Data Silos to Improve Credit Decisioning and Risk Management

  ABSTRACT : Following a deep digital transformation in which the banking industry has engaged itself and this digitization has led to the development of customer […]
July 20, 2025

AI-Augmented Financial Ratio Analysis: Enhancing Credit Risk Assessment for SMES with Non-Traditional Data

ABSTRACT: The traditional dependence on financial ratio analysis to evaluate the creditworthiness of Small and Medium Enterprises (SMEs) is facing new challenges from data-driven innovations. Standard […]
July 20, 2025

Machine Learning-Driven Credit Portfolio Optimization: Balancing Risk, Return, And Default Correlation in Volatile Markets

  ABSTRACT : Financial institutions face significant challenges in managing credit portfolios due to rising market volatility, sector connections, and changing borrower behaviors. Traditional credit risk […]
July 14, 2025

Teachers Social-Emotional Learning (SEL); Ways that Impede the Development of Teachers SEL and Enhance Teachers SEL

  ABSTRACT : Teachers are undoubtedly susceptible to inadequate social-emotional wellness. Research indicates that teaching ranks among the most stressful professions; furthermore, classroom stress is contagious, […]