Figure 1. Credit scores of the peer groups and individual households with gender grouping

From

A Hidden Markov Model of Risk Classification among the Low Income Earners

Davis Bundi Ntwiga, Carolyne Ogutu, Michael Kiura Kirumbu, Patrick Weke

Journal of Finance and Economics. 2018, 6(6), 242-249 doi:10.12691/jfe-6-6-6