In emerging markets like Vietnam, where student borrowers often lack traditional credit histories, accurately predicting loan eligibility remains a critical yet underexplored challenge. While machine learning and deep learning techniques have shown promise in credit scoring, their comparative...

In 2018, ethnic minority region of Vietnam has the rate of poor and near-poor households 3.5 times higher than the national average. There are many studies that have pointed out the causes of high poverty in ethnic minority areas and proposed policies to reduce poverty. However, poverty among...