Darwis Darwis

Transformative Credit Assessment Model (TCAM): Reconstructing the Role of the Credit Analyst as a Catalyst for Financial Inclusion in Sharia Microfinance

Financial inclusion in Islamic microfinance continues to face a structural tension between prudent risk management and access for micro-borrowers who have limited formal financial records, unstable income, thin credit files, and insufficient collateral. This article proposes a Tr...