tizeekasete/namibia-sme-credit-pricing-engine

Risk-based SME credit approval and loan pricing engine for Namibia # Namibia SME Credit Risk & Pricing Engine ## Live Application namibia-sme-credit-pricing-… --- ## Project Overview The Namibia SME Credit Risk & Pricing Engine is a full-stack financial analytics project designed to simulate how lending institutions evaluate small and medium-sized enterprises for credit approval and loan pricing decisions. The system combines rule-based credit risk assessment, automated lending logic, financial analysis, and portfolio-level business intelligence to create an end-to-end SME lending workflow tailored to the Namibian market context. The platform evaluates borrower financial strength, repayment capacity, collateral position, and behavioral risk indicators to determine: - Credit approval outcomes - Risk segmentation - Interest pricing - Repayment projections - Portfolio profitability - Regional lending exposure - Industry-level risk patterns The project also includes an interactive Power BI analytics dashboard for executive-level portfolio monitoring and business intelligence reporting. --- ## Objectives - Simulate real-world SME credit evaluation workflows - Apply risk-based lending and pricing strategies - Analyze borrower repayment capacity and financial risk - Build portfolio-level business intelligence dashboards - Demonstrate financial analytics and data visualization skills - Showcase end-to-end analytics engineering and deployment workflows --- ## Features ### Web Application Features - Dynamic borrower evaluation engine - Automated loan approval logic - Risk-based interest pricing - Monthly repayment calculations - Approval, Review, and Rejection workflows - Financial recommendation generation - Responsive web interface - Public cloud deployment using Render ### Analytics & Dashboard Features - Executive portfolio overview dashboard - Borrower risk distribution analysis - Loan pricing profitability analysis - Regional lending exposure mapping - Industry-level risk comparison - Portfo …