Credit approval prediction is one of the critical challenges in the financial industry, where the accuracy and efficiency of credit decision-making can significantly affect business risk. This study proposes an outlier detection method using the Gaussian Mixture Model (GMM) combined with Extreme Gradient Boosting (XGBoost) to improve prediction accuracy. GMM is used to detect outliers with a probabilistic approach, allowing for finer-grained anomaly identification compared to distance- or density-based methods. Furthermore, the data cleaned through GMM is processed using XGBoost, a decision tree-based boosting algorithm that efficiently handles complex datasets. This study compares the performance of XGBoost with various outlier detection methods, such as LOF, CBLOF, DBSCAN, IF, and K-Means, as well as various other classification algorithms based on machine learning and deep learning. Experimental results show that the combination of GMM and XGBoost provides the best performance with an accuracy of 95.493%, a recall of 91.650%, and an AUC of 95.145%, outperforming other models in the context of credit approval prediction on an imbalanced dataset. The proposed method has been proven to reduce prediction errors and improve the model's reliability in detecting eligible credit applications.

This research aims to evaluate and compare the performance of several deep learning architectures, especially InceptionV3 and InceptionResNetV2, with other models, such as EfficientNetB3, ResNet50, and VGG19, in classifying rice leaf diseases. In addition, this research also evaluates the impact of using data augmentation on model performance. Three different datasets were used in this experiment, varying the number of images and class distribution. The results show that InceptionV3 and InceptionResNetV2 consistently perform excellently and accurately on most datasets. Data augmentation has varying effects, providing slight advantages on datasets with lower variation. The findings from this research are that the InceptionV3 model is the best model for classifying rice diseases based on leaf images. The InceptionV3 model produces accuracies of 99.53, 58.94, and 90.00 for datasets 1, 2, and 3, respectively. It is also necessary to be wise in carrying out data augmentation by considering the dataset's characteristics to ensure the resulting model can generalize well.

This research aims to develop a robust diabetes classification method by integrating the Synthetic Minority Over-sampling Technique (SMOTE)-Tomek technique for data balancing and using a machine learning ensemble led by eXtreme Gradient Boosting (XGB) as a meta-learner. We propose an ensemble model that combines deep learning techniques such as Bidirectional Long Short-Term Memory (BiLSTM) and Bidirectional Gated Recurrent Units (BiGRU) with XGB classifier as the base learner. The data used included the Pima Indians Diabetes and Iraqi Society Diabetes datasets, which were processed by missing value handling, duplication, normalization, and the application of SMOTE-Tomek to resolve data imbalances. XGB, as a meta-learner, successfully improves the model's predictive ability by reducing bias and variance, resulting in more accurate and robust classification. The proposed ensemble model achieves perfect accuracy, precision, recall, specificity, and F1 score of 100% on all tested datasets. This method shows that combining ensemble learning techniques with a rigorous preprocessing approach can significantly improve diabetes classification performance.