How lack of consequence for loan defaults is destroying the African credit ecosystem
Lack of loan default consequences is destroying Africa’s credit ecosystem from the inside out and it's causing a vicious cycle of distrust.
How guarantor structures reduce recovery costs
This article is about how guarantor works and why it matters, particularly for lenders in Africa, where the cost of recovery is disproportionately high.
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.


