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.
Service providers for lenders in Zambia: Credit bureaus, payments providers, KYC, IT providers
Get with the program: lending is not just about disbursing money—it involves calculated risk, smooth operations, and trust. Today, it is a symphony of services working in perfect harmony. Without credit bureaus, how do you gauge whether someone is likely to repay their loan? Without payment providers, how do you ensure the funds get to […]
Frequently Asked Questions on guarantor-based lending models
The following frequently asked questions address the most important aspects of guarantor-based lending from a lender’s perspective.