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Fuzzy Relational Model to Establish Credit Worthiness of Sacco Members in Kenya

by Makokha Ahmed Siro, Dennis Njagi, Calvins Otieno
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International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 178 - Number 12
Year of Publication: 2019
Authors: Makokha Ahmed Siro, Dennis Njagi, Calvins Otieno
10.5120/ijca2019918856

Makokha Ahmed Siro, Dennis Njagi, Calvins Otieno . Fuzzy Relational Model to Establish Credit Worthiness of Sacco Members in Kenya. International Journal of Computer Applications. 178, 12 ( May 2019), 17-25. DOI=10.5120/ijca2019918856

@article{ 10.5120/ijca2019918856,
author = { Makokha Ahmed Siro, Dennis Njagi, Calvins Otieno },
title = { Fuzzy Relational Model to Establish Credit Worthiness of Sacco Members in Kenya },
journal = { International Journal of Computer Applications },
issue_date = { May 2019 },
volume = { 178 },
number = { 12 },
month = { May },
year = { 2019 },
issn = { 0975-8887 },
pages = { 17-25 },
numpages = {9},
url = { https://ijcaonline.org/archives/volume178/number12/30581-2019918856/ },
doi = { 10.5120/ijca2019918856 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
}
%0 Journal Article
%1 2024-02-07T00:50:10.260638+05:30
%A Makokha Ahmed Siro
%A Dennis Njagi
%A Calvins Otieno
%T Fuzzy Relational Model to Establish Credit Worthiness of Sacco Members in Kenya
%J International Journal of Computer Applications
%@ 0975-8887
%V 178
%N 12
%P 17-25
%D 2019
%I Foundation of Computer Science (FCS), NY, USA
Abstract

Credit scoring has provided a number of financial institutions like banks, Microfinance institutions the means of determining if a given client will default or repay their debt obligation. Credit defaulting has become a stubborn enemy to the financial sector globally. With numerous Saccos in Kenya today it is challenging to predict accurately the trust of its members hence there arise a need of models, which will determine Sacco members credit worthiness. Qualitative output variable (i.e. member credit worth) measured using factors (i.e. Credit Duration, Concurrent Credits, Repayment Amount, Most Valuable Asset and Account Balance with Sacco) are scaled using appropriate linguistic terms and fused using hierarchical sensory fusion to evaluate credit worth of Sacco members in Kenya. Similarly, the output variable member credit worthiness was assigned linguistic terms of Excellent, Good, Fair/ Average, Bad and Poor.

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Index Terms

Computer Science
Information Sciences

Keywords

credit worthiness qualitative measures and fuzzy relations.

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