Inclusion of peer group and individual low-income earners in M-Shwari micro-credit lending: a hidden Markov model approach

Inclusion of peer group and individual low-income earners in M-Shwari micro-credit lending: a hidden Markov model approach

The M-Shwari micro-credit lending system has excluded the low income earners as they lack good financial options due to volatile and fluctuating income. This paper proposes a decision support system for credit scoring and lending of the low income earners who are customers of M-Shwari using the hidd...

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Bibliographic Details
Main Authors: Ntwiga, Davis Bundi, Ogutu, Carolyne, Kirumbu, Michael Kiura
Format: Article
Language:English
Published: International Journal of Electronic Finance 2019
Subjects:
Peer group
Low-income earners
M-Shwari
Hidden Markov model
Online Access:https://repository.daystar.ac.ke/handle/123456789/2974
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https://repository.daystar.ac.ke/handle/123456789/2974

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