Breaking down the 3 R’s of credit and why they still matter
Lender information

Breaking down the 3 R’s of credit and why they still matter

The 3 R’s come in. Returns, Repayment capacity, and Risk-bearing ability shift the focus from merely assessing trustworthiness to examining the business as an investment opportunity.

Where to get loans in Kenya without collateral
Borrower information

Where to get loans in Kenya without collateral

This article explains how Kenya’s unsecured lending system works, what qualifies you for these loans, and how to choose lenders who value your stability, because getting a loan without collateral should make life easier and not more complicated.

A cultural view of loan defaults in Uganda
Industry Information

A cultural view of loan defaults in Uganda

Uganda’s experience illustrates that solving the problem of defaults is not simply about adjusting loan terms or improving credit scoring. It requires an understanding of the cultural frameworks that guide how people borrow, how they prioritize repayments, and how they perceive the consequences of failing to meet their obligations.