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Original Article
Credit Risk Indicators for Microfinance Institutions within Machakos County, Kenya
Martin M. Kasina1
John M. Kihoro2
Dr. Alex Kibet3
1 2 Department of Information Technology and Computer Science, The Cooperative University of Kenya, Kenya. 3 Lecturer, Department of Computing and Informatics, School of Science and Applied Technology, Laikipia University, Kenya.
Published Online: September-December 2025
Pages: 111-120
Cite this article
↗ https://www.doi.org/10.59256/indjcst.20250403021
References
1. Steve Gakuhi Karanja and Eddie Mungami Simiyu. Credit management practices and loan performance of microfinance banks in kenya. Journal of Finance and Accounting, 6(1):108– 139, 2022.
2. Alex Kimani, Robert Arasa, and James Karau. Resource allocation and performance of microfi-nance institutions in machakos county, kenya. International Journal of Finance and Accounting,3(1):28–35, 2024.
3. Jeniffer Muendi Muthini and Fredrick WS Ndede. Socio-economic factors and table banking loans default levels among women groups in machakos county, kenya. Int J Curr Aspects Fin Banking Acc, 4(1):91–103, 2022.
4. Andualem Kassegn and Ebrahim Endris. Factors affecting loan repayment rate among small- holder farmers got loans from the amhara credit and saving institution: in the case of habru district, amhara regional state, ethiopia. International Area Studies Review, 25(1):73–96, 2022.
5. Pilar Lopez-Sanchez, Elena Urquia-Grande, Cristina Del Campo, and Andr´es L Cancer. Delving into the determinants of default risk in savings groups: empirical evidence from ecuador. The European Journal of Development Research, 34(6):2625, 2021.
6. Akanksha Goel and Shailesh Rastogi. Understanding the impact of borrowers’ behavioural and psychological traits on credit default: review and conceptual model. Review of Behavioral Finance, 15(2):205–223, 2023.
7. Md Aslam Mia, Gary John Rangel, Mohammad Nourani, and Rajesh Kumar. Institutional factors and efficiency performance in the global microfinance industry. Benchmarking: An International Journal, 30(2):433–459, 2023.
8. Hasan Ahmed Salman, Ali Kalakech, and Amani Steiti. Random forest algorithm overview. Babylonian Journal of Machine Learning, 2024:69–79, 2024.
9. Basu Dev Lamichhane. Loan delinquency in microfinance institutions (mfis): Ways to overcome the problem. Nepalese Journal of Management Research, 2(1):37–43, 2022.
2. Alex Kimani, Robert Arasa, and James Karau. Resource allocation and performance of microfi-nance institutions in machakos county, kenya. International Journal of Finance and Accounting,3(1):28–35, 2024.
3. Jeniffer Muendi Muthini and Fredrick WS Ndede. Socio-economic factors and table banking loans default levels among women groups in machakos county, kenya. Int J Curr Aspects Fin Banking Acc, 4(1):91–103, 2022.
4. Andualem Kassegn and Ebrahim Endris. Factors affecting loan repayment rate among small- holder farmers got loans from the amhara credit and saving institution: in the case of habru district, amhara regional state, ethiopia. International Area Studies Review, 25(1):73–96, 2022.
5. Pilar Lopez-Sanchez, Elena Urquia-Grande, Cristina Del Campo, and Andr´es L Cancer. Delving into the determinants of default risk in savings groups: empirical evidence from ecuador. The European Journal of Development Research, 34(6):2625, 2021.
6. Akanksha Goel and Shailesh Rastogi. Understanding the impact of borrowers’ behavioural and psychological traits on credit default: review and conceptual model. Review of Behavioral Finance, 15(2):205–223, 2023.
7. Md Aslam Mia, Gary John Rangel, Mohammad Nourani, and Rajesh Kumar. Institutional factors and efficiency performance in the global microfinance industry. Benchmarking: An International Journal, 30(2):433–459, 2023.
8. Hasan Ahmed Salman, Ali Kalakech, and Amani Steiti. Random forest algorithm overview. Babylonian Journal of Machine Learning, 2024:69–79, 2024.
9. Basu Dev Lamichhane. Loan delinquency in microfinance institutions (mfis): Ways to overcome the problem. Nepalese Journal of Management Research, 2(1):37–43, 2022.
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