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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| Main Authors: | , , |
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| Format: | Article |
| Language: | English |
| Published: |
International Journal of Electronic Finance
2019
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| Subjects: | |
| Online Access: | https://repository.daystar.ac.ke/handle/123456789/2974 |
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