Boitumelo Nkaelang

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Credit scoring is perceived as an important innovation for microfinance institutions in managing the credit risk of their clients. Increase in defaults has necessitated microfinance institutions to improve their credit analysis by incorporating objective procedures. Various studies have confirmed that credit scoring can increase efficiency and reduce costs(More)
Financial institutions have revolutionized in the past decade and embraced the use of technology in improving and enhancing their services. Their hope in technology has urged them to continuously want to improve on their technologies and the use thereof as the environment they live in changes. Financial institutions have developed different products and(More)
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