IJCOPE Journal

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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
Journal Information
ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 05

Published on: May 2026

AI-BASED MICRO CREDIT ASSESSMENT SYSTEM

Swetha .V

Karthika J

Department of Commerce,

Jeppiaar College of Arts and Science
DOI:https://doi.org/10.55041/ijcope.v2i5.620

Article Status

Plagiarism Passed Peer Reviewed Open Access

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Abstract

Microcredit plays a crucial role in supporting small businesses and low-income individuals who lack access to traditional banking services. However, conventional credit assessment methods rely heavily on credit history and collateral, which many applicants do not possess. This project proposes an AI-Based Micro Credit Assessment System that uses machine learning techniques to evaluate the creditworthiness of individuals based on alternative data such as transaction history, mobile usage, and behavioural patterns. The system improves accuracy, reduces bias, and enables faster decision-making, making financial services more inclusive and efficient.

How to Cite this Paper

.V, S. (2026). AI-Based Micro Credit Assessment System. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(05). https://doi.org/10.55041/ijcope.v2i5.620

.V, Swetha. "AI-Based Micro Credit Assessment System." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i5.620.

.V, Swetha. "AI-Based Micro Credit Assessment System." International Journal of Creative and Open Research in Engineering and Management 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i5.620.

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References


  1. Reserve Bank of India (RBI) Reports on Financial Inclusion

  2. World Bank – Microfinance and Financial Inclusion Studies

  3. Research papers on Machine Learning in Finance

  4. Online resources on AI and Credit Scoring

  5. Books on Financial Technology (FinTech)

Ethical Compliance & Review Process

  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
  • •Authors retain copyright.
  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: May 21 2026
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