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Author

Raphael Angulu

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2 papers indexed here

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Open access Sep 2026

Development of a machine learning model for loan default risk prediction in savings and credit cooperative organizations

Loan default remains a substantial challenge for Savings and Credit Cooperative Organizations (SACCOs), as it can increase credit risk, reduce profitability, and weaken financial sustainability. Although SACCOs increasingly use computerized information systems to manage lending activities, historical borrower data are...

Joseph Airo Anyimbi, Raphael Angulu, Jairus Odawa · 0 citations
Open access Aug 2026

Texture classification model based on adaptive local ternary pattern

This research proposes Adaptive Local Ternary Pattern (ALTP) that uses a dynamically calculated threshold to determine texture pattern for an image region that outperformed state-of-the-art texture feature descriptors.

Kithi Ngombo, Raphael Angulu, Dorothy Rambim · 0 citations

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