; so you know that vectors do exist as scheme types, right?

(use srfi-1)

; uninitialised x by y matrix
(define (make-matrix x y)
    (let ((v (make-vector y)))
        (for-each
            (lambda (z)
                (vector-set! v z (make-vector x)))
            (iota y))
        v))

; reference a matrix element
(define (matrix-ref m x y)
    (vector-ref (vector-ref m y) x))

; set a matrix element
(define (matrix-set! m x y e)
    (vector-set! (vector-ref m y) x e))