Strategies of Mixed Coalitions in Group Lending and Equitable Distribution of Joint Profit

The objective of this paper is to highlight the usefulness of cooperative game theory as a conceptual framework for approaching problems related to the formation of mixed coalitions within group lending and the fair distribution of joint profit. The focus was on a particular technique, the Shapley value, originally proposed as an a priori solution to a cooperative game. Furthermore, the central idea of this approach is indifference to the desires of others: individualism. We succeed in establishing the threshold level for determining the value obtained for a fair distribution of joint resources. The only element that could limit the applicability of this value to any sharing problem comes from the assumption that coalitions are formed in a random way, which is not always respected in reality