11

EXPERT SYSTEMEXPERT SYSTEM FOR LOAN BY BANK FOR LOAN BY BANK

Presenters: Presenters:

Ibrahim AL-RaeeIbrahim AL-Raee

Khaled AL-GarneiKhaled AL-Garnei

Examiner: Examiner:

Dr.Mohamed TounsiDr.Mohamed Tounsi

22

OutlineOutline

IntroductionIntroduction Bank loanBank loan Who can get home loanWho can get home loan Problem DefinitionProblem Definition Knowledge acquisitionKnowledge acquisition Knowledge representationKnowledge representation Testing by exampleTesting by example Implementation in vp-expertImplementation in vp-expert Next presentationNext presentation QuestionQuestion

33

IntroductionIntroduction

44

IntroductionIntroduction

About Riyadh BankAbout Riyadh Bank

It is a modern financial services company.It is a modern financial services company.

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

55

Bank loanBank loan

66

Bank loanBank loan

What is bank loan?What is bank loan? A loan made by a bank; to be repaid with A loan made by a bank; to be repaid with

interest on or before a fixed date. interest on or before a fixed date.

Type of bank loans:Type of bank loans: Personal FinancePersonal Finance Home Finance Home Finance

77

Who can get home Who can get home loanloan

88

Who can get home loanWho can get home loan

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

Works for the government or a private Works for the government or a private sector employer. sector employer.

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

99

Who can get home loan (count.)Who can get home loan (count.)

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

Is at least 22 years of age. Is at least 22 years of age.

Has his/her salary paid direct to a Riyad Has his/her salary paid direct to a Riyad

Bank account prior to receiving the loan.Bank account prior to receiving the loan.

1010

Problem DefinitionProblem Definition

1111

Problem DefinitionProblem Definition

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

The bank have difficult procedure to give loan.The bank have difficult procedure to give loan.

The customer want take approval about loan The customer want take approval about loan easier and faster easier and faster

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

1212

Why we are built expert system for Why we are built expert system for loan by bank? loan by bank?

This system give the advice for the loanThis system give the advice for the loan

To give best service for customerTo give best service for customer

To easily get information about condition loanTo easily get information about condition loan

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

1313

Why we are built expert system for Why we are built expert system for loan by bank? (count.)loan by bank? (count.)

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

This system is faster than employee of the This system is faster than employee of the bankbank

The first reason to reduce service time for The first reason to reduce service time for bankbank

1414

Knowledge Knowledge AcquisitionAcquisition

1515

Knowledge AcquisitionKnowledge Acquisition

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

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

All information in the first report from website All information in the first report from website of the banksof the banks

1616

Knowledge AcquisitionKnowledge Acquisition We elicitation (top of the best) knowledge from source We elicitation (top of the best) knowledge from source

the websitie, finally after we summaries information we the websitie, finally after we summaries information we get this knowledge:get this knowledge:

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

Works for the government or a private sector employer. Works for the government or a private sector employer.

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

1717

Knowledge AcquisitionKnowledge Acquisition

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

Is at least 22 years of age. Is at least 22 years of age.

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

1818

Knowledge Knowledge RepresentationRepresentation

1919

Knowledge RepresentationKnowledge Representation

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

• easy to understandeasy to understand• easy to modify and maintaineasy to modify and maintain• easy to combine with uncertaintyeasy to combine with uncertainty• rule are frequently independent.rule are frequently independent.

2020

Rules and Explanation Rules and Explanation

RULE 1RULE 1IF AGE >=22 IF AGE >=22 THEN THEN A = OKA = OK

FIND SEALERFIND SEALER

ELSE ELSE DISPLAY "{NAME } YOU ARE AGE IS ( {AGE } ) DISPLAY "{NAME } YOU ARE AGE IS ( {AGE } ) YOU CAN NOT TAKE HOME LONE" YOU CAN NOT TAKE HOME LONE" A = NO;A = NO;

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

2121

Rules and Explanation Rules and Explanation

RULE 2RULE 2IF A = OK AND SEALER >=2500IF A = OK AND SEALER >=2500THEN THEN B=OK B=OK

FIND YEAR_JOBFIND YEAR_JOBELSE ELSE DISPLAY "{NAME } YOU ARE MONTHLY DISPLAY "{NAME } YOU ARE MONTHLY

INCOME IS ({SEALER } SR) INCOME IS ({SEALER } SR) YOU CAN NOT TAKE HOME LONE"YOU CAN NOT TAKE HOME LONE"B=NO; B=NO;

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

2222

Rules and Explanation Rules and Explanation

RULE 3RULE 3IF A=OK AND B=OK AND YEAR_JOB >= 1IF A=OK AND B=OK AND YEAR_JOB >= 1THEN THEN

C=OKC=OKLOAN=OKLOAN=OKFIND LOAN_NFIND LOAN_N

ELSE ELSE DISPLAY "{NAME } YOU ARE WORKING IN THIS JOB DISPLAY "{NAME } YOU ARE WORKING IN THIS JOB LESS THAND ONE YEAR LESS THAND ONE YEAR YOU CAN NOT TAKE HOME LONE"YOU CAN NOT TAKE HOME LONE"LOAN=NOLOAN=NOC=NO;C=NO;

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

2323

Rules and Explanation Rules and Explanation

RULE 4RULE 4IF IF

LOAN=OK AND LOAN_N>=25000 AND LOAN_N <=1000000 LOAN=OK AND LOAN_N>=25000 AND LOAN_N <=1000000 THEN D=OKTHEN D=OK

FIND LOAN_DURATIONFIND LOAN_DURATIONELSE ELSE DISPLAY "{NAME } YOU ARE WHANT HOME LOAN IS DISPLAY "{NAME } YOU ARE WHANT HOME LOAN IS

( {LOAN_N } SR) ( {LOAN_N } SR) THIS LOAN YOU CAN NOT TAK BECAUSE IS NOT THIS LOAN YOU CAN NOT TAK BECAUSE IS NOT

BANK RULES"BANK RULES"LOAN=NOLOAN=NOD=NO;D=NO;

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

2424

Rules and Explanation Rules and Explanation

RULE 5RULE 5IF IF LOAN_DURATION>=1 AND A=OK AND B=OK AND C=OK AND LOAN_DURATION>=1 AND A=OK AND B=OK AND C=OK AND

D=OK D=OK THEN E=OKTHEN E=OK

LOAN=OKLOAN=OKELSE E=NOELSE E=NO

LOAN=NOLOAN=NODISPLAY "{NAME } YOU ARE WHANT LOAN DURATION IS DISPLAY "{NAME } YOU ARE WHANT LOAN DURATION IS ( {LOAN_DURATION } ) ( {LOAN_DURATION } )

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

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

2525

Rules and Explanation Rules and Explanation RULE 6RULE 6IF IF A=OK AND B=OK AND C=OK AND D=OK AND E=OK A=OK AND B=OK AND C=OK AND D=OK AND E=OK THEN THEN

LOAN_DURATION_RATE= (LOAN_DURATION * 0.06)LOAN_DURATION_RATE= (LOAN_DURATION * 0.06) N_OF_INSTALLMENTS=( LOAN_DURATION * 12)N_OF_INSTALLMENTS=( LOAN_DURATION * 12) TOTAL_INSTALLMENT_AMOUNT= (LOAN_N + (LOAN_N * TOTAL_INSTALLMENT_AMOUNT= (LOAN_N + (LOAN_N * LOAN_DURATION_RATE))LOAN_DURATION_RATE)) MONTHLY_INSTALLMENT_AMOUNT=( TOTAL_ INSTALLMENT_AMOUNT / MONTHLY_INSTALLMENT_AMOUNT=( TOTAL_ INSTALLMENT_AMOUNT / N_OF_INSTALLMENTS)N_OF_INSTALLMENTS)

DISPLAY "DISPLAY " THIS HOME LOAN IS APPROVED FOR {NAME} FORM THIS HOME LOAN IS APPROVED FOR {NAME} FORM BANK AL-RAEE"BANK AL-RAEE"

DISPLAY "DISPLAY " THIS HOME LOAN AFTER SERVICE RATE = SR THIS HOME LOAN AFTER SERVICE RATE = SR {TOTAL_INSTALLMENT_AMOUNT}"{TOTAL_INSTALLMENT_AMOUNT}"

DISPLAY "DISPLAY " NUMBER OF INSTALLMENT {N_OF_INSTALLMENTS} NUMBER OF INSTALLMENT {N_OF_INSTALLMENTS} MONTHS "MONTHS "

DISPLAY "DISPLAY " MONTHLY INSTALLMENT AMOUNT = SR MONTHLY INSTALLMENT AMOUNT = SR

{ MONTHLY_INSTALLMENT_AMOUNT} ";{ MONTHLY_INSTALLMENT_AMOUNT} ";If your age and salary and year of job and loan_rate and loan_duration all equal ok If your age and salary and year of job and loan_rate and loan_duration all equal ok

then rule will be calculate.then rule will be calculate.

2626

Question for home loan in expert Question for home loan in expert systemsystem

1.1. ASK NAME: "ASK NAME: " WHAT IS YOUR NAME?";WHAT IS YOUR NAME?";

2.2. ASK AGE: "ASK AGE: " HOW OLD ARE YOU {NAME}?";HOW OLD ARE YOU {NAME}?";

3.3. ASK SEALER: "ASK SEALER: "HOW MUCH {NAME} YOU MONTHLY INCOME?";HOW MUCH {NAME} YOU MONTHLY INCOME?";

4.4. ASK YEAR_JOB: "ASK YEAR_JOB: " HOW MONEY YEAR {NAME} YOU HOW MONEY YEAR {NAME} YOU WORKING IN THIS JOB?";WORKING IN THIS JOB?";

5.5. ASK LOAN_N: "ASK LOAN_N: "HOW MUCH {NAME} HOME LOAN YOU HOW MUCH {NAME} HOME LOAN YOU WANT?";WANT?";

6.6. ASK LOAN_DURATION: "ASK LOAN_DURATION: " HOW LONG HOME LOAN HOW LONG HOME LOAN DURATION BY YEAR {NAME} YOU WANT?";DURATION BY YEAR {NAME} YOU WANT?";

2727

Rules and Explanation Rules and Explanation

Application