The hidden costs of cheap lending software
What many lenders discover later is that “cheap” often means paying the same money in other ways, only with more stress involved.
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. […]
What data do credit bureaus collect from lenders?
This article breaks down the specific categories of data that lenders report to credit bureaus across Africa. It focuses strictly on lender supplied data, not how bureaus score it or how lenders later consume it.