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While some may regard them as obsolete, Kirana stores still proved their reliability during the pandemic. In lieu of this, with inclusiveness and empowerment as the primary goals, CodeNinja will be helping 24seven.pk in developing a Machine Learning model that guarantees an accessible credit line. By evaluating their credit score, the model can help these Kirana Stores meet market demand more efficiently, streamlining their growth and profitability in the process.