Soft Computing-Driven Financial Inclusion Models: Intelligent Pathways for Women Entrepreneurship Development

DOI

10.2991/978-94-6463-978-0_8How to use a DOI?

Keywords

Women entrepreneurs; Financial inclusion; Soft computing; Fuzzy logic

Abstract

Women entrepreneurs are significant in ensuring the economic growth is inclusive and sustainable. Nevertheless, they all mostly find it hard to access formal financial assistance due to stringent collateral conditions, ambiguous credit objectives, and discrimination at financial institutions. The conventional credit rating systems that rely on fixed scores are usually ineffective to capture the actual circumstances of such women. The model of soft computing developed and tested by the researcher in this study is aimed at enhancing the financial empowerment of women business owners in Bengaluru Urban. The model is developed on the basis of a 200 participants survey and two methods of computation are integrated into it. Qualitative factors, such as confidence and trust were converted into measurable data through fuzzy logic. The artificial neural networks (ANNs) were useful in enhancing the prediction of defaulters of loans and the genetic algorithm (GA) was used to target microcredit distribution more efficiently by taking into account the budget and risk threshold. The results indicate that digital technology, confidence, trust, and family support are equally relevant in the context of having financial inclusion as compared to financial factors. This method is more adaptive as compared to the conventional models; fewer mistakes are made during classification and fairer distribution of loans. Generally, soft computing provides a moderate method of analysis of women entrepreneurs by financial institutions, which encompasses qualitative and quantitative factors. This will be able to enhance fairness in borrowing and facilitate long term and inclusive economic development in society.

Copyright

© 2025 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - S. Ayappan
AU  - Saba Khan
PY  - 2025
DA  - 2025/12/31
TI  - Soft Computing-Driven Financial Inclusion Models: Intelligent Pathways for Women Entrepreneurship Development
BT  - Proceedings of the 1st Engineering Data Analytics and Management Conference (EAMCON 2025)
PB  - Atlantis Press
SP  - 70
EP  - 82
SN  - 2352-5401
UR  - https://doi.org/10.2991/978-94-6463-978-0_8
DO  - 10.2991/978-94-6463-978-0_8
ID  - Ayappan2025
ER  -