A novel rural microcredit decision model and solving via binary differential evolution algorithm
by Jiali Lin; Jiachen Li; Dazhi Jiang; Kangshun Li
International Journal of Computational Science and Engineering (IJCSE), Vol. 18, No. 3, 2019

Abstract: Generally, as an economic means of lifting people out of poverty, microcredit has been accepted as an effective method for empowering both individuals and communities. However, risk control is still a core part of the implementation of agriculture-related loans business for microcredit companies. In this paper, a rural microcredit decision model is presented based on maximising the profit while minimising the risk. Then, a binary differential evolution algorithm is applied to solve the decision model. The result shows that the proposed method and model are scientific and easy to operate, which can also provide a referential solution for the decision management in microcredit companies.

Online publication date: Tue, 26-Mar-2019

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