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Fair microcredit contracts: a Markov model of distributive justice with non-additive risk measures
[Contrats de microcrédit équitables : une modélisation markovienne de la justice distributive avec mesures de risque non additives»]

Author

Listed:
  • Abdou Issouf

    (Dynamique Économique et Juridique des secteurs Informels et Formels, Université des Comores, abdouissouf8631@gmail)

  • Philibert Andriamanantena

    (École Doctorale Modélisation Informatique - Université de Fianarantsoa , Laboratoire de Mathématique et Application de l’Université de Fianarantsoa)

Abstract

Cet article propose un cadre inédit de modélisation des contrats de microcrédit, combinant chaînes de Markov, intégrale de Choquet et critère d'équité distributive. Nous montrons que cette approche permet de dépasser les évaluations classiques en introduisant explicitement la justice sociale dans la prise de décision des institutions de microfinance. Les résultats simulés illustrent l'impact du paramètre d'arbitrage λ et de la capacité non additive ν sur le compromis entre viabilité économique et équité sociale. Cette méthodologie ouvre la voie à une finance inclusive responsable, conciliant robustesse institutionnelle et justice distributive.

Suggested Citation

  • Abdou Issouf & Philibert Andriamanantena, 2025. "Fair microcredit contracts: a Markov model of distributive justice with non-additive risk measures [Contrats de microcrédit équitables : une modélisation markovienne de la justice distributive avec mesures de risque non additives»]," Working Papers hal-05271543, HAL.
    • Handle: RePEc:hal:wpaper:hal-05271543
    Note: View the original document on HAL open archive server: https://hal.science/hal-05271543v1
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