A deep overview of business and SME loans in Ghana
Executive summary In Ghana today, running a small business isn’t just a choice. It’s a means of survival and progress. With over 80% of employment coming from the informal sector, entrepreneurship is often the default path for many Ghanaians, especially the youth. From food sellers to online vendors and fashion designers in Accra, micro and […]
A deep overview of consumer credit in Ghana
This article offers a comprehensive overview of Ghana’s consumer lending sector from 2019 to 2024. It explores the types of loans available, major lenders, the role of fintech, regulation, and the social dynamics of borrowing.
Tala vs Zenka – which is the best in Kenya
If you live in Kenya, you’ve probably had that moment when something unexpected comes up, and suddenly, you need cash fast. Maybe it’s an emergency medical bill, a school fee deadline, or a small business expense that can’t wait. This is where mobile loan apps like Tala and Zenka come in, promising a simple solution […]
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. […]
BNPL vs. traditional lending: What works best in Kenya?
While both BNPL and traditional lending provide access to needed funds, they operate under different models, offer distinct benefits, and carry unique risks.
An overview of loan management software in Kenya
This report looks at how loan management software works, why it matters to everyday Kenyans, and how adoption has grown over the past five years.
A deep overview of business and SME loans in Kenya
Whether through banks, SACCOs, digital platforms, or informal channels, we examine how Kenya's business owners are financing their operations and what’s next for them.
A deep overview of consumer credit in Kenya
Whether you’re a driver juggling M-Shwari and Fuliza, a kiosk owner weighing whether to borrow from your chama or a loan app, or a policymaker trying to keep up with the pace of lending, this report is for you.
How to finance your child’s school fees with FlexFees
For many parents and guardians, the inflow of cash rarely aligns with the billing cycle of schools. That's where FlexFees comes in.
How direct debit works in Kenya
This report provides a deep dive into the direct debit ecosystem in Kenya from 2019 to 2024. It examines the regulatory framework governing the system, identifies key players shaping its evolution, and explores the various use cases that have driven its adoption.
Who regulates lending in Kenya?
Kenya has been at the forefront of digital lending, making it easier than ever for ordinary citizens to access credit. Just a decade ago, getting a loan meant filling out endless paperwork, waiting in long bank queues, and often needing collateral that many people simply didn’t have. Then came mobile lending apps promising “easier” loans. […]
