How direct debit works in Malawi
This report provides a deep dive into the direct debit ecosystem in Malawi from 2019 to 2024. It also examines the regulatory framework governing the system.
A cultural view of loan defaults in Namibia
From 2019 to 2024, Namibia has witnessed growing household borrowing alongside a noticeable rise in defaults
A deep overview of business and SME loans in the Philippines
This report takes a closer look at how traditional banks, government programs and new digital lending platforms are transforming the financing journey for small businesses.
A cultural view of loan defaults in Uganda
Uganda’s experience illustrates that solving the problem of defaults is not simply about adjusting loan terms or improving credit scoring. It requires an understanding of the cultural frameworks that guide how people borrow, how they prioritize repayments, and how they perceive the consequences of failing to meet their obligations.
What is the Credit Card Act and why was it introduced?
In the years before 2009, credit cards had become one of the most common forms of consumer borrowing in the United States. By 2008, household credit card debt had climbed past $900 billion, according to Federal Reserve data, and card issuers were enjoying some of their most profitable years. The business model was clear: interest […]
A cultural view of loan defaults in Sierra Leone
Behind every unpaid loan is a story shaped by social ties, informal safety nets, and shifting expectations around debt. Understanding these nuances is key to building a lending system that balances risk with empathy.
Frequently Asked Questions on National Credit Guarantee Company (NCGC)
Because the NCGC is still fairly new, many people are asking what it really does, how it works, and why it matters. To clear up some of the confusion, here are answers to some of the most common questions about the NCGC and its role in Nigeria’s credit space.
Frequently Asked Questions on FCCPC’s new consumer lending regulations
Below are answers to common questions from Lenders, compliance teams, and other stakeholders about FCCPC's DEON CL.
How to comply with FCCPC’s new consumer lending regulations
If you gain any form of benefit from a lending transaction, whether in cash, goods, commissions, or barter, the FCCPC considers you covered under these regulations.
Who regulates lending in the Philippines
Understanding who regulates lending in the Philippines helps to know who sets the rules in a system that affects households, entrepreneurs, and communities every day.
FCCPC’s new consumer lending regulation
This guide breaks down what the new FCCPC regulations mean, who they apply to, and how affected businesses can prepare.
