Better Efficiency on Non-performing Loans Debt Recovery and Portfolio Valuation Using Machine Learning Techniques

The following research is based on a portfolio of non-performing loans (NPLs), which was previously acquired and managed by a collection agency, the company under study is one of the owners of the portfolio. The study compares the efficiency and performance of several machine learning algorithms to develop and implement a forecasting tool to estimate the recovery rate of NPL portfolios. These models help to enhance and support the debt collection operation, allowing to forecast the number of debtors that will be recovered in the lifetime of the portfolio, as well as to efficiently manage resources (recovery task force) by reducing costs and expenses. The application aims to support the valuation process at the time of portfolio purchase. The study shows that the application using a binary ranking approach based on the XGBoost model outperforms other techniques, offering good results. It is also evident that product type was one of the most influential variables among the different models. The model using this algorithm could serve as a decision support tool, precisely in the operation of purchasing a portfolio of unprofitable debts, as it allows the quantification of the client¿s debt to be recovered by identifying the group of potential debtors with the highest probability of compliance, which would result in a faster and more efficient debt collection process.

Urban Logistics Resilience assessment for Freight Transport by simulating Disruptive Events

Resilience assessment on port road networks, under disruptive events, is a key issue related to urban logistics. This work tackle about an original simu-lation method to assess resilience using macro and micro simulation based on stochastic theory. The results allow knowing the resilience capacity of net-work. In this article, the most influential network links around influence produced by a logistics transport avenue in Lima-Peru are determined and for the resil-ience measurement a function that includes redundancy and robustness of the system is proposed as a performance measure

Estudio Bioquímico de la Maca

Adaptación del Bagre Húngaro en la Región del Altiplano Peruano