EXPERT SYSTEM FOR LOAN BY BANK Presenters: Ibrahim AL-Raee Khaled AL-Garnei Examiner: Dr.Mohamed Tounsi

Outline Introduction Bank loan Who can get home loan Problem Definition Knowledge acquisition Knowledge representation Testing by example Implementation in vp-expert Next presentation Question

Introduction

Bank loan

Who can get home loan

Problem Definition

Knowledge acquisition

Knowledge representation

Testing by example

Implementation in vp-expert

Next presentation

Question

Introduction

Introduction About Riyadh Bank It is a modern financial services company. It is one of the largest financial institutions in the Middle East.

About Riyadh Bank

It is a modern financial services company.

It is one of the largest financial institutions in the Middle East.

Bank loan

Bank loan What is bank loan? A loan made by a bank; to be repaid with interest on or before a fixed date. Type of bank loans: Personal Finance Home Finance

What is bank loan?

A loan made by a bank; to be repaid with interest on or before a fixed date.

Type of bank loans:

Personal Finance

Home Finance

Who can get home loan

Who can get home loan Any Saudi citizen who meets the following conditions can apply for Riyad Bank Home Loans: Works for the government or a private sector employer. Receives a basic monthly income of at least SR 2,500.

Any Saudi citizen who meets the following conditions can apply for Riyad Bank Home Loans:

Works for the government or a private sector employer.

Receives a basic monthly income of at least SR 2,500.

Who can get home loan (count.) Has been working for the same employer for at least 1 years. Is at least 22 years of age. Has his/her salary paid direct to a Riyad Bank account prior to receiving the loan.

Has been working for the same employer for at least 1 years.

Is at least 22 years of age.

Has his/her salary paid direct to a Riyad Bank account prior to receiving the loan.

Problem Definition

Problem Definition The problem of the bank about the loan didn’t give faster service as expert system. The bank have difficult procedure to give loan. The customer want take approval about loan easier and faster The customer don’t want exert effort to take loan from the bank.

The problem of the bank about the loan didn’t give faster service as expert system.

The bank have difficult procedure to give loan.

The customer want take approval about loan easier and faster

The customer don’t want exert effort to take loan from the bank.

Why we are built expert system for loan by bank? This system give the advice for the loan To give best service for customer To easily get information about condition loan This system can use employee of bank and customer to make faster procedure.

This system give the advice for the loan

To give best service for customer

To easily get information about condition loan

This system can use employee of bank and customer to make faster procedure.

Why we are built expert system for loan by bank? (count.) The user can use this system from any where in KSA (by internet) This system is faster than employee of the bank The first reason to reduce service time for bank

The user can use this system from any where in KSA (by internet)

This system is faster than employee of the bank

The first reason to reduce service time for bank

Knowledge Acquisition

Knowledge Acquisition We take the information from the internet and researching in the research engine (google). after this we get the best information and complete knowledge about all banks in KSA, but we talk the best of the all bank information. All information in the first report from website of the banks

We take the information from the internet and researching in the research engine (google).

after this we get the best information and complete knowledge about all banks in KSA, but we talk the best of the all bank information.

All information in the first report from website of the banks

Knowledge Acquisition We elicitation (top of the best) knowledge from source the websitie, finally after we summaries information we get this knowledge: A Personal Loan is a credit facility that offers you a cash advance from SR 25,000 and up to SR 1,000,000. Works for the government or a private sector employer. Receives a basic monthly income of at least SR 2,500

We elicitation (top of the best) knowledge from source the websitie, finally after we summaries information we get this knowledge:

A Personal Loan is a credit facility that offers you a cash advance from SR 25,000 and up to SR 1,000,000.

Works for the government or a private sector employer.

Receives a basic monthly income of at least SR 2,500

Knowledge Acquisition Has been working for the same employer for at least 1 years. Is at least 22 years of age. Has his/her salary paid direct to a Riyad Bank account prior to receiving the loan

Has been working for the same employer for at least 1 years.

Is at least 22 years of age.

Has his/her salary paid direct to a Riyad Bank account prior to receiving the loan

Knowledge Representation

Knowledge Representation We select one of alternative of knowledge representation is the production rule , because: easy to understand easy to modify and maintain easy to combine with uncertainty rule are frequently independent.

We select one of alternative of knowledge representation is the production rule , because:

easy to understand

easy to modify and maintain

easy to combine with uncertainty

rule are frequently independent.

Rules and Explanation RULE 1 IF AGE >=22 THEN A = OK FIND SEALER ELSE DISPLAY "{NAME } YOU ARE AGE IS ( {AGE } ) YOU CAN NOT TAKE HOME LONE" A = NO; ! Rule#1 means if your age more than or equal 22 then the age is ok,if your age less than 22 then age is not ok,and display the message you are can not talk the home loan.!

RULE 1

IF AGE >=22

THEN A = OK

FIND SEALER

ELSE DISPLAY "{NAME } YOU ARE AGE IS ( {AGE } ) YOU CAN NOT TAKE HOME LONE"

A = NO;

! Rule#1 means if your age more than or equal 22 then the age is ok,if your age less than 22 then age is not ok,and display the message you are can not talk the home loan.!

Rules and Explanation RULE 2 IF A = OK AND SEALER >=2500 THEN B=OK FIND YEAR_JOB ELSE DISPLAY "{NAME } YOU ARE MONTHLY INCOME IS ({SEALER } SR) YOU CAN NOT TAKE HOME LONE" B=NO; Rule#2 if age is ok and the salary is grater than or equal 2500 then salary is ok,if salary is not ok then display message you are monthly income is salary you can not take home loan

RULE 2

IF A = OK AND SEALER >=2500

THEN B=OK

FIND YEAR_JOB

ELSE DISPLAY "{NAME } YOU ARE MONTHLY INCOME IS ({SEALER } SR)

YOU CAN NOT TAKE HOME LONE"

B=NO;

Rule#2 if age is ok and the salary is grater than or equal 2500 then salary is ok,if salary is not ok then display message you are monthly income is salary you can not take home loan

Rules and Explanation RULE 3 IF A=OK AND B=OK AND YEAR_JOB >= 1 THEN C=OK LOAN=OK FIND LOAN_N ELSE DISPLAY "{NAME } YOU ARE WORKING IN THIS JOB LESS THAND ONE YEAR YOU CAN NOT TAKE HOME LONE" LOAN=NO C=NO; Rule#3 means if the age and salary is ok and the year of job more than or equal one year then the year of job is ok and loan is ok then display you are working in this job less than one year.

RULE 3

IF A=OK AND B=OK AND YEAR_JOB >= 1

THEN

C=OK

LOAN=OK

FIND LOAN_N

ELSE DISPLAY "{NAME } YOU ARE WORKING IN THIS JOB LESS THAND ONE YEAR

YOU CAN NOT TAKE HOME LONE"

LOAN=NO

C=NO;

Rule#3 means if the age and salary is ok and the year of job more than or equal one year then the year of job is ok and loan is ok then display you are working in this job less than one year.

Rules and Explanation RULE 4 IF LOAN=OK AND LOAN_N>=25000 AND LOAN_N <=1000000 THEN D=OK FIND LOAN_DURATION ELSE DISPLAY &quot;{NAME } YOU ARE WHANT HOME LOAN IS ( {LOAN_N } SR) THIS LOAN YOU CAN NOT TAK BECAUSE IS NOT BANK RULES&quot; LOAN=NO D=NO; Rule#4 means if the loan is ok and the loan need is more than or equal 25000 and loan need less than or equal 10000000 then ok,then display you are want home loan is SR ,then loan you can not talk because is not bank.

RULE 4

IF

LOAN=OK AND LOAN_N>=25000 AND LOAN_N <=1000000

THEN D=OK

FIND LOAN_DURATION

ELSE DISPLAY &quot;{NAME } YOU ARE WHANT HOME LOAN IS ( {LOAN_N } SR)

THIS LOAN YOU CAN NOT TAK BECAUSE IS NOT BANK RULES&quot;

LOAN=NO

D=NO;

Rule#4 means if the loan is ok and the loan need is more than or equal 25000 and loan need less than or equal 10000000 then ok,then display you are want home loan is SR ,then loan you can not talk because is not bank.

Rules and Explanation RULE 5 IF LOAN_DURATION>=1 AND A=OK AND B=OK AND C=OK AND D=OK THEN E=OK LOAN=OK ELSE E=NO LOAN=NO DISPLAY &quot;{NAME } YOU ARE WHANT LOAN DURATION IS ( {LOAN_DURATION } ) THIS LOAN DURATION YOU CAN NOT TAK BECAUSE IS NOT BANK RULES&quot;; Rule#5 means loan duration must be more than or equal one year then you duration is ok.if the duration of loan less than one you can not talk the loan,and display message.

RULE 5

IF LOAN_DURATION>=1 AND A=OK AND B=OK AND C=OK AND D=OK

THEN E=OK

LOAN=OK

ELSE E=NO

LOAN=NO

DISPLAY &quot;{NAME } YOU ARE WHANT LOAN DURATION IS ( {LOAN_DURATION } )

THIS LOAN DURATION YOU CAN NOT TAK BECAUSE IS NOT BANK RULES&quot;;

Rule#5 means loan duration must be more than or equal one year then you duration is ok.if the duration of loan less than one you can not talk the loan,and display message.

Rules and Explanation RULE 6 IF A=OK AND B=OK AND C=OK AND D=OK AND E=OK THEN LOAN_DURATION_RATE= (LOAN_DURATION * 0.06) N_OF_INSTALLMENTS=( LOAN_DURATION * 12) TOTAL_INSTALLMENT_AMOUNT= (LOAN_N + (LOAN_N * LOAN_DURATION_RATE)) MONTHLY_INSTALLMENT_AMOUNT=( TOTAL_ INSTALLMENT_AMOUNT / N_OF_INSTALLMENTS) DISPLAY &quot; THIS HOME LOAN IS APPROVED FOR {NAME} FORM BANK AL-RAEE&quot; DISPLAY &quot; THIS HOME LOAN AFTER SERVICE RATE = SR {TOTAL_INSTALLMENT_AMOUNT}&quot; DISPLAY &quot; NUMBER OF INSTALLMENT {N_OF_INSTALLMENTS} MONTHS &quot; DISPLAY &quot; MONTHLY INSTALLMENT AMOUNT = SR { MONTHLY_INSTALLMENT_AMOUNT} &quot;; If your age and salary and year of job and loan_rate and loan_duration all equal ok then rule will be calculate.

RULE 6

IF A=OK AND B=OK AND C=OK AND D=OK AND E=OK

THEN

LOAN_DURATION_RATE= (LOAN_DURATION * 0.06)

N_OF_INSTALLMENTS=( LOAN_DURATION * 12)

TOTAL_INSTALLMENT_AMOUNT= (LOAN_N + (LOAN_N * LOAN_DURATION_RATE))

MONTHLY_INSTALLMENT_AMOUNT=( TOTAL_ INSTALLMENT_AMOUNT / N_OF_INSTALLMENTS)

DISPLAY &quot; THIS HOME LOAN IS APPROVED FOR {NAME} FORM BANK AL-RAEE&quot;

DISPLAY &quot; THIS HOME LOAN AFTER SERVICE RATE = SR {TOTAL_INSTALLMENT_AMOUNT}&quot;

DISPLAY &quot; NUMBER OF INSTALLMENT {N_OF_INSTALLMENTS} MONTHS &quot;

DISPLAY &quot; MONTHLY INSTALLMENT AMOUNT = SR { MONTHLY_INSTALLMENT_AMOUNT} &quot;;

If your age and salary and year of job and loan_rate and loan_duration all equal ok then rule will be calculate.

Question for home loan in expert system ASK NAME: &quot; WHAT IS YOUR NAME?&quot;; ASK AGE: &quot; HOW OLD ARE YOU {NAME}?&quot;; ASK SEALER: &quot; HOW MUCH {NAME} YOU MONTHLY INCOME?&quot;; ASK YEAR_JOB: &quot; HOW MONEY YEAR {NAME} YOU WORKING IN THIS JOB?&quot;; ASK LOAN_N: &quot; HOW MUCH {NAME} HOME LOAN YOU WANT?&quot;; ASK LOAN_DURATION: &quot; HOW LONG HOME LOAN DURATION BY YEAR {NAME} YOU WANT?&quot;;

ASK NAME: &quot; WHAT IS YOUR NAME?&quot;;

ASK AGE: &quot; HOW OLD ARE YOU {NAME}?&quot;;

ASK SEALER: &quot; HOW MUCH {NAME} YOU MONTHLY INCOME?&quot;;

ASK YEAR_JOB: &quot; HOW MONEY YEAR {NAME} YOU WORKING IN THIS JOB?&quot;;

ASK LOAN_N: &quot; HOW MUCH {NAME} HOME LOAN YOU WANT?&quot;;

ASK LOAN_DURATION: &quot; HOW LONG HOME LOAN DURATION BY YEAR {NAME} YOU WANT?&quot;;

Rules and Explanation