Dennis Muchuki Kinini

SHAP-Based Explainable Machine Learning for Predicting Loan Default among Women-Owned Microenterprises in Kenya

Background: Access to credit remains a major challenge for women-owned microenterprises in sub-Saharan Africa, yet existing loan default prediction models often lack transparency and interpretability. This study aimed to develop and evaluate a SHAP-based explainable machine learning framework for predicting loan defaul...