CONTEXTUALIZING AI ETHICS IN UGANDA’S MICROCREDIT

Contextualizing AI Ethics in Uganda’s Microcredit with Adaptive Sensitive Reweighting (ASR) – This research addresses ethical challenges in Uganda’s microcredit sector by introducing the Adaptive Sensitive Reweighting (ASR) model to mitigate algorithmic bias and promote fair access to credit. Unlike traditional credit scoring systems that disadvantage marginalized groups, ASR adaptively reweights sensitive features—such as collateral values and transaction history—during AI model training to ensure fairness while maintaining predictive accuracy. Collaborating with policymakers, lenders, and AI experts, the study defines context-specific fairness metrics and demonstrates a 15% increase in the inclusion of disadvantaged borrowers without compromising model performance. The research provides actionable policy recommendations for ethical AI adoption in microfinance, paving the way for equitable financial inclusion and sustainable development in Uganda.I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.

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