What is escrow-based lending?
At its core, escrow-based lending is a financial arrangement where a neutral third party holds funds, documents, or assets on behalf of both lender and borrower, and only releases them when predefined conditions are met.
Frequently Asked Questions on SACCO regulation in East Africa
This article walks through the questions lenders and credit providers usually ask when trying to understand SACCO regulation in East Africa.
How do lenders know when to expand to another country?
Before you think about entering a new country, you need to step back and ask a more basic question. Are we actually ready to operate there?
What is consumptive credit and why is it so damaging?
Understanding how consumptive credit works, and why it behaves the way it does, is important for any lender trying to build a sustainable portfolio.
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.
Nigeria’s Banks and Other Financial Institutions Act
This article walks through Nigeria's Banks and Other Financial Institutions Act in a way that connects the legal provisions to how lending businesses actually operate.
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.
Frequently Asked Questions about productive credit
This article breaks down the questions that come up when lenders start taking productive credit more seriously.
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.
What rising NPLs actually cost a lending business beyond the obvious
Explore the deeper cost structure behind rising NPLs and why lenders pay attention to them long before they dominate financial reports.
Frequently asked questions on mobile money loans
This article walks through more than twenty five of the most common questions around mobile money loans, with a clear focus on what lenders and credit providers need to understand.
