Many attempts have been made in multilingual NLP to ensure that pre-trained language models, such as mBERT or GPT2 get better and become applicable to low-resource languages. To achieve multilingualism for pre-trained language models (PLMs), we need techniques to create word embeddings that capture the linguistic characteristics of any language. Tokenization is one such technique because it allows for the words to be split based on characters or subwords, creating word embeddings that best represent the structure of the language. Creating such word embeddings is essential to applying PLMs to other languages where the model was not trained, enabling multilingual NLP. However, most PLMs use generic tokenization methods like BPE, wordpiece, or unigram which may not suit specific languages. We hypothesize that tokenization based on syllables within the input text, which we call syllable tokenization, should facilitate the development of syllable-aware language models. The syllable-aware language models make it possible to apply PLMs to languages that are rich in syllables, for instance, Swahili. Previous works introduced subword tokenization. Our work extends such efforts. Notably, we propose a syllable tokenizer and adopt an experiment-centric approach to validate the proposed tokenizer based on the Swahili language. We conducted text-generation experiments with GPT2 to evaluate the effectiveness of the syllable tokenizer. Our results show that the proposed syllable tokenizer generates syllable embeddings that effectively represent the Swahili language.

Microfinance, despite its significant potential for poverty reduction, is facing sustainability hardships due to high default rates. Although many methods in regular finance can estimate credit scores and default probabilities, these methods are not directly applicable to microfinance due to the following unique characteristics: a) under-explored (developing) areas such as rural Africa do not have sufficient prior loan data for microfinance institutions (MFIs) to establish a credit scoring system; b) microfinance applicants may have difficulty providing sufficient information for MFIs to accurately predict default probabilities; and c) many MFIs use group liability (instead of collateral) to secure repayment. Here, we present a novel control-theoretic model of microfinance that accounts for these characteristics. We construct an algorithm to learn microfinance decision policies that achieve financial inclusion, fairness, social welfare, and sustainability. We characterize the convergence conditions to Pareto-optimum and the convergence speeds. We demonstrate, in numerous real and synthetic datasets, that the proposed method accounts for the complexities induced by group liability to produce robust decisions before sufficient loans are given to establish credit scoring systems and for applicants whose default probability cannot be accurately estimated due to missing information. To the best of our knowledge, this paper is the first to connect microfinance and control theory. We envision that the connection will enable safe learning and control techniques to help modernize microfinance and alleviate poverty.