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

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dc.contributor.authorNtwiga, Davis Bundi
dc.contributor.authorOgutu, Carolyne
dc.contributor.authorKirumbu, Michael Kiura
dc.date.accessioned2019-09-17T08:31:25Z
dc.date.available2019-09-17T08:31:25Z
dc.date.issued2018-04-10
dc.description.abstractThe 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 hidden Markov model. The model emits the credit scores of the customers, both for the peer groups and the individual customers. The learning and training of the model utilises the customers' socio-demographics, telecommunication characteristics and account activities. The peer groups have higher credit scores and are more attractive to offer credit facilities using M-Shwari when compared to the individual borrowers.en_US
dc.identifier.citationNtwiga, D., Ogutu, C. and Kirumbu, M. (2018). Inclusion of peer group and individual low-income earners in M-Shwari micro-credit lending: a hidden Markov model approach. International Journal of Electronic Finance, 9(2): 121-133en_US
dc.identifier.urihttps://repository.daystar.ac.ke/handle/123456789/2974
dc.language.isoenen_US
dc.publisherInternational Journal of Electronic Financeen_US
dc.subjectPeer groupen_US
dc.subjectLow-income earnersen_US
dc.subjectM-Shwarien_US
dc.subjectHidden Markov modelen_US
dc.titleInclusion of peer group and individual low-income earners in M-Shwari micro-credit lending: a hidden Markov model approachen_US
dc.typeArticleen_US

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