Alternative scoring factors using non-financial data for credit decisions in agricultural microfinance

Naomi Simumba, Suguru Okami, Akira Kodaka, Naohiko Kohtake

研究成果: Conference contribution

1 被引用数 (Scopus)

抄録

Financial exclusion has a major socio-economic impact on the poor and unbanked. Financially excluded smallholder farmers face challenges accessing credit facilities to fund their farming activities because they lack the financial history data required to create credit scores for credit risk evaluations. Non-financial data sources such as mobile applications have been proposed for the development of credit scoring models. However, context-specific alternative scoring factors which are independent of financial history information, must be developed for credit decision systems that use nonfinancial data. This research proposes an approach to developing alternative scoring factors based on stakeholder's requirements. An example of implementation of the proposed method is given using data collected from farmers in rural Cambodia through surveys and a mobile application. Alternative scoring factors are developed based on stakeholder's requirements and collected data. Multiple logistic regression and support vector machine models are trained and tested on this data to evaluate the selected factors. Models are compared by area under the receiver operating characteristics curve values and accuracy. Additional considerations are made to determine the most suitable model in this context. This stakeholder requirements-based approach can be used to design credit decision systems using nonfinancial data for financially excluded persons and facilitate greater financial inclusion.

本文言語English
ホスト出版物のタイトル4th IEEE International Symposium on Systems Engineering, ISSE 2018 - Proceedings
出版社Institute of Electrical and Electronics Engineers Inc.
ISBN(電子版)9781538644461
DOI
出版ステータスPublished - 2018 11 26
イベント4th IEEE International Symposium on Systems Engineering, ISSE 2018 - Roma, Italy
継続期間: 2018 10 12018 10 3

Other

Other4th IEEE International Symposium on Systems Engineering, ISSE 2018
CountryItaly
CityRoma
Period18/10/118/10/3

ASJC Scopus subject areas

  • Computer Networks and Communications
  • Hardware and Architecture
  • Control and Systems Engineering
  • Safety, Risk, Reliability and Quality

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