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;;;
;;; Define Variables          (declaration)
;;;

breed [ customers customer ]      ;; customers the main target of Microfinance.
breed [mfis mfi]                      ;; Microfinance institution, which give a loan to the customer.
breed [ partners partner ]        ;; partners who evaluate the loan amount according to the purpose of the loan.
breed [donors donor]      ;; donors who finance MFI.


globals [ 
  periods                          ;; the time span we consider. number represents the year after the starting time.
  ;custom_solvab?
  fund
  credit_amount                       ;; the limit of each microcredit
  interestrate                    ;; interest rate for the microcredit charged by the MFI.  
  wealth_mfi                      ;; profits of the mfi
  amount_purposeloan? 
  efficiency 
  profitability 
  productivity 
  credit_risk 
  average_loan_balance_per_borrower 
  nb_customers
  performance_achieved?    ;; if true, the IMF achieved social and financial performance
  funds_Offer?             ;; the donors offer funds to mfi
  profit_loss_amount       ;; the amount of the profit or the loss of the activity
  financing_cost
  wealth_funds
]                         

patches-own [
]

customers-own [
  wealth_cust                    ;; each individual's wealth level
  sex                            ;; each individual sex, either male or female8
  marital_status     ;; Married, single, divorced or widow
  customer_activity     ;; the activity of the customer, either agriculture, trade or cruft
  level_education     ;; the level of education of the customer: bad, medium or high level of education
  insured_customer     ;; the customer is insured or not
  customer_residence     ;; Rural or Urban area
  purpose_loan             ;; Creation or Devlopment of the activity
  customer_type       ;; Old or new customer
  nb_loan       ;; the number of loan contracted by the customer
  cross_indebteness     ;; if the customer has another loan with other institutions
  unpaid_amount       ;; the unpaid amout of the loan
  nb_paid_installments           ;; the number of paid installments
  nb_installments       ;; the number of installments
  borrowingdate                  ;; the date when one of poors get a loan from mfi
  ;wealth_sufficient?    ;; if true, customer can reimburse his loan.
  repay_amount?      ;; if true, customer reimubrse his loan.
  borrower-mfi?                  ;; if true, the turtle has got a microcredit from mfi.
  customer_score
]                              



;;;
;;; SETUP PROCEDURES          (initialisation)
;;;

to-report VARY [#low #high]   ;; reports a random integer in given range, inclusive 
   report #low + random(#high - #low + 1) 
end  

to SETUP
  ;; (for this model to work with NetLogo's new plotting features,
  ;; __clear-all-and-reset-ticks should be replaced with clear-all at
  ;; the beginning of your setup procedure and reset-ticks at the end
  ;; of the procedure.)
  clear-all
  reset-ticks
  setup-patches
  setup-customers
  set periods time-span-years  ;; the slider of time-span-years stands for the periods (years).
  reset-ticks
end 

to setup-patches
  ask patches [ set pcolor black ]  ;; set patche's color black. 
  mfi-setup
  partners-setup
end 

to mfi-setup
  ask patches [
     ask patch 0 0 [set  pcolor  red]          ;; the color for the patch of MFI is yellow.
    sprout-mfis 1 [                              ;; for visual impact, the mfi has the shape of yellow house.
      set size 3
      set shape "house"
      set color red   
      setxy 0 0
      set fund microcredit-available      ;; microcredits available from mfi is set using the slider of microcredit-available.
      set credit_amount vary 1 20 ;; the loan limit from the MFI is set using the slider -> need to make credit-limit slider
      set wealth_mfi fund  
      set performance_achieved?  random 2
      set funds_Offer? random 2
      set wealth_funds wealth-funds

    ]
 ] 
end 

to partners-setup
  ask patches [
    
     ask patch 0 10 [set  pcolor  grey]                      ;; the suppliers of raw materials are on the grey patch
    ask patch 0 -10 [set  pcolor  grey]
    ask patch 10 0 [set  pcolor  grey]                   
   ask patch -10 0 [set  pcolor  grey]
    sprout-partners 1 [                  ;; for visual impact, the raw material suppliers have the shapes of grey trucks.
      set size 2
      set shape "circle"
      set color grey    
      setxy 0 10 
      set amount_purposeloan? true    ;; if true, the amount applied by customer is accepted.
    ]
    sprout-partners 1 [
      set size 2
      set shape "circle"
      set color grey    
      setxy 0 -10
      set amount_purposeloan? true    ;; if true, the amount applied by customer is accepted.
    ]
    sprout-partners 1 [
      set size 2
      set shape "circle"
      set color grey    
      setxy 10 0
      set amount_purposeloan? true   ;; if true, the amount applied by customer is accepted.
    ]
    sprout-partners 1 [
      set size 2
      set shape "circle"
      set color grey    
      setxy -10 0
      set amount_purposeloan? true   ;; if true, the amount applied by customer is accepted.
    ]
  ]
end 

to setup-customers
  create-customers customers-number           ;; uses the value of the customers-number slider to set the number of customers.
  
  ask customers [ set shape  "person"
    set color green     ;; the color for the customer is green.
    setxy random-xcor random-ycor  
    set wealth_cust random-normal 50 15        ;; wealth level each custumers start with come from N(50, 15) 
    set sex random 2                      ;; sex for each custumers is either o (female) or 1 (male)
    set customer_type random 2            ;; statut for each custumer is either old (0)  or new (1).      
    set marital_status random 2      ;; either Married (0) or single (1).
    set customer_activity random 4    ;; either agriculture or cruft (0), trade (1), industry (2) or others (3)
    set level_education  random 3           ;; either bad (0), medium (1) or high (2) level of education
    set insured_customer random 2         ;; the customer is insured (1) or not (0)
    set customer_residence random 2        ;; Rural (1) or Urban area (0)
    set purpose_loan random 2             ;; Creation (0) or Devlopment (1) of the activity        
    ;set custom_solvab? FALSE     ;; if true, customer is accepted.
    ;set wealth_sufficient? false    
    set borrower-mfi? random 2                ;; if true, the turtle has got a microcredit from mfi.
    set repay_amount? random 2
    set nb_loan 0
    set cross_indebteness 0
    set unpaid_amount 0
    set nb_paid_installments 0
    set nb_installments 0
    set customer_score vary -5.0 5.0
    set profit_loss_amount profit-loss-amount
    set financing_cost financ-cost
  ]
end 


 

;;;
;;; GO PROCEDURES
;;;

to go    if ticks >= 365 * periods  [ stop ] ;; the time span is restricted to periods (year). *
   ask customers [
    move-customers           ;; this procedure makes customers move.  
    microcredit_application  ;; this procedure makes customer ask for a microcredit. 
    reimburse-mfi            ;; this procedure makes customers reimburse their loans towards mfi.
    ;donors_mfi               ;; this procedure makes mfi get funds from donors.
       ]

 tick                     ;; one tick stands for one day. 
    update-plot              
end   

to move-customers  
  right random 360
  forward random 4        
  set wealth_cust ( wealth_cust - 0.05 )
end   

;;;
;;; granting microcredit from mfi
;;;

to-report custom_solvab?
  ifelse  (customer_type = 0 and customer_score > -0.58) or (customer_type = 1 and customer_score > 1.8)
   [ report true ]
    [ report false ]
end 

to-report mfi_performance
 report ((efficiency + profitability + productivity + credit_risk + average_loan_balance_per_borrower + nb_customers) / 6  )
end  

to microcredit_application
    
  if (fund >= credit_amount) and wealth_cust < 20 and wealth_cust > 5 [     ;; microcredit is possible only when the MFI have money enough to loan and customers is located in the same patch as MFI, which reflects 
 ;if (wealth_mfi >= credit_amount)  [     ;; microcredit is possible only when the MFI have money enough to loan and customers is located in the same patch as MFI, which reflects  
   ; ask customers with [ (credit_amount <= 20 and  amount_purposeloan? = true) or (amount_purposeloan? = false or credit_amount > 20) ]  [  ;; the amout of loan applied by customer.  
     ;;  ifelse ((customer_type = 0 and customer_score > -0.58) or (customer_type = 1 and customer_score > 1.8))   
       ;; [set custom_solvab? true][set custom_solvab? false]

   ask customers with  [custom_solvab? = true ] [ 
      set wealth_cust  (wealth_cust +  credit_amount )        
      set color yellow        ;; those with microcredit turn yellow.
      set wealth_mfi  (fund - credit_amount) ;; available fund to loan will decreases as the loan increases.
      ;;set custom_Solvab? true 
      set borrower-mfi? 1             ;; if true, the turtle has got a microcredit from mfi.
      set borrowingdate ticks ] 
  ; ]
     ask customers with  [custom_solvab? = false] [
        set wealth_cust ( wealth_cust)        
        set color orange        ;; those with microcredit turn orange.
          ;;set custom_Solvab? false
          set borrower-mfi? 0  ;; if true, the turtle has got a microcredit from mfi
          set wealth_mfi (wealth_mfi)       ;; available fund .
         
     ]
  ]
end 

to-report wealth_sufficient?
 
;; ifelse ( wealth_cust >= ((credit_amount * interestrate / 100 / 365) / (1 - (1 + interestrate / 100 / 365)^(ticks - borrowingdate )) * ( ticks - borrowingdate )))
 ;; ifelse ( wealth_cust >= ((credit_amount * interestrate / 100 / 365) / (1 - (1 + interestrate / 100 / 365)^(loan_duration * -30 )) * loan_duration * 30))
 ifelse ( (wealth_cust + profit_loss_amount ) >= ( 1 + financing_cost) * credit_amount)
   [ report true ]
   [ report false ]
end 

to reimburse-mfi
if ( borrower-mfi? = 1 and color = yellow and  wealth_sufficient? = true) [  ;; customers can repay their debts only if he has contracted loan from mfi.
;if (color = yellow and wealth_sufficient? = true ) [  ;; customers can repay their debts only if he has contracted loan from mfi.
   ask customers with [ repay_amount? = 1 ][
          set wealth_cust ((wealth_cust + profit_loss_amount ) - (( 1 + financing_cost / 100 / 365 * ( ticks - borrowingdate ) ) * credit_amount)) ;; the amount of repayment is the summation of pricipal and interest (annual interest rate -> daily interest rate)
          set color violet ;; after repay, the color turn into violet
          set wealth_mfi ( wealth_mfi + (( 1 + financing_cost / 100 / 365 * ( ticks - borrowingdate) ) * credit_amount) - 20 ) ;; interest rate is rate for one year.
          if ticks - borrowingdate <= 365 [ set nb_paid_installments ( nb_paid_installments + 1 ) ]   ;;maturity for the loan is assumed to be one year.
   ]
        ask customers with [ repay_amount? = 0][
          set wealth_cust (wealth_cust +  profit_loss_amount) ;; the amount of repayment is the summation of pricipal and interest (annual interest rate -> daily interest rate)
          set color pink ;; after repay, the color turn into pink
          if ( wealth_funds + wealth_mfi >= (1 + financing_cost)* credit_amount)
          [set wealth_mfi ( wealth_mfi + (( 1 + financing_cost / 100 / 365 * ( ticks - borrowingdate) ) * credit_amount) - 20 ) ;; interest rate is rate for one year.
          set unpaid_amount (unpaid_amount + ((1 + financing_cost / 100 / 365 * ( ticks - borrowingdate) ) * credit_amount))
          if ticks - borrowingdate <= 365 [ set nb_paid_installments ( nb_paid_installments) ]  
          SET wealth_funds wealth_funds - (( 1 + financing_cost / 100 / 365 * ( ticks - borrowingdate) ) * credit_amount)
        ]]
]
end 

      



;to donors_mfi
   ;ask customers with [(( efficiency + profitability + productivity + credit_risk + average_loan_balance_per_borrower + nb_customers) / 6 >= 3) and  count customers with [custom_Solvab? = true] >= 0.7 * customers-number] [
         ;  set wealth_mfi (wealth_mfi + 100 + 50)
          ; set performance_achieved? 1
          ; set funds_Offer? 1
           
       ; ]
   
;end



;;;
;;; reports
;;;

to-report average-wealth-customer
  report ( sum [ wealth_cust ] of customers / count customers )
end 

to-report sum-wealth-mfi
  report ( sum [ wealth_mfi] of mfis)
end 

to-report customer-solvability
  report ( count customers with [ custom_Solvab? = true] )
end 


To-report customer-reimburse-loan
  report ( count customers with [ repay_amount? = 1 and custom_solvab? = true ] )
end 

to-report solvability-ratio
  report (count customers with [ custom_Solvab? = true] / count customers )
end 

to-report PAR30
   report ( sum [ credit_amount ] of customers with [ ticks - borrowingdate >= 30 ] /  sum [ credit_amount ] of customers )
end 

to-report PAR90
   report ( sum [ credit_amount ] of customers with [ ticks - borrowingdate >= 90 ] /  sum [ credit_amount ] of customers )
end 

to-report PAR180
   report ( sum [ credit_amount ] of customers with [ ticks - borrowingdate >= 180 ] /  sum [ credit_amount ] of customers )
end 

;;;
;;; PLOTS 
;;;

to update-plot
  set-current-plot "Average Wealth-customer"
  set-current-plot-pen "customers"
  plot sum [ wealth_cust ] of customers / count customers


  set-current-plot "Wealth-mfi"
  set-current-plot-pen "mfi"
  plot sum [ wealth_mfi ] of mfis

  
  set-current-plot "Average Loan"
  set-current-plot-pen "customers"
  plot sum [ credit_amount ] of customers / count customers 
  
  set-current-plot "Number of Payment"
  set-current-plot-pen "customers"
  plot sum [ nb_paid_installments ] of customers
end 

There is only one version of this model, created 7 months ago by ifelab lerma.

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