Enhanced group decision-making through an intelligent algorithmic approach for multiple-attribute credit evaluation with 2-tuple linguistic neutrosophic sets

With the development of the internet economy, e-commerce has rapidly risen, and a large number of small and micro e-commerce enterprises have emerged. However, these enterprises have low financial information transparency, small scale, and high development uncertainty. Therefore, combining the characteristics of the internet economy, it is of great significance to dynamically evaluate credit risk. This not only helps to enhance the quality and rationality of credit risk evaluation results, but also helps to improve financing efficiency and reduce financing risks. The credit evaluation for small and micro enterprises is a multiple-attribute group decision-making (MAGDM). Recently, the TODIM (an acronym in Portuguese of interactive and multicriteria decision making) and TOPSIS method has been inaugurated to cope with MAGDM issues. The 2-tuple linguistic neutrosophic sets (2TLNSs) are inaugurated as an effective tool for characterizing uncertain information during the credit evaluation for small and micro enterprises. In this paper, the 2-tuple linguistic neutrosophic TODIM-TOPSIS (2TLNN-TODIM-TOPSIS) method is inaugurated to solve the MAGDM under 2TLNSs. Finally, a numerical case study for credit evaluation for small and micro enterprises is inaugurated to confirm the proposed method. The prime contribution of this paper are outlined: (1) The information entropy based on score function and accuracy function are built on the 2TLNSs to obtain weight information; (2) an integrated the 2-tuple linguistic neutrosophic TODIM-TOPSIS (2TLNN-TODIM-TOPSIS) method is established to cope with MAGDM; (3) An illustrative example for credit evaluation for small and micro enterprises has accomplished to illustrate the 2TLNN-TODIM-TOPSIS; (4) some comparative analysis are employed to verify the 2TLNN-TODIM-TOPSIS method.