7 loan apps in Ghana with low interest
Borrower information

7 loan apps in Ghana with low interest

This article looks closely at 7 loan apps in Ghana that stand out for how their products hold up in practice and their interest rate.

A cultural view of loan defaults in Kenya
Industry Information

A cultural view of loan defaults in Kenya

Executive summary  From 2019 to 2024, Kenya experienced a steady rise in personal and consumer loan defaults, driven not just by economic challenges, but deeply rooted cultural behaviors, social expectations, and shifting attitudes towards debt. While formal banks, microfinance institutions, and mobile lenders expanded access to credit, repayment struggles mirrored longstanding cultural and communal dynamics. […]

7 early warning indicators before default rates spike
Lender information

7 early warning indicators before default rates spike

Below are seven early warning indicators that consistently show up before default rates begin to climb. These are drawn from transactional patterns, borrower behaviour, and portfolio-level observations that lenders can operationalise without speculation.