Leakage-Aware Explainable AI for Credit Risk Assessment of Perishable Food Supply-Chain SMEs Using Food Shelf-Life, Postharvest Loss and Digital Banking Data in Nigeria
Small and medium-sized enterprises (SMEs) operating in perishable food supply chains face intertwined operational and financial risks: inventory can deteriorate before sale, postharvest losses reduce cash available for repayment, and many firms have thin or irregular formal credit histories. This study proposes a leaka...