A deep overview of business and SME loans in the Philippines
Industry Information

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
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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?
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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
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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)
FAQs

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
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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
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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
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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
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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.

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What is the Credit Guarantee Scheme (CGS)
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What is the Credit Guarantee Scheme (CGS)

By covering part of the risk, the Credit Guarantee Scheme makes it easier for banks to offer better loan terms; larger amounts, longer timelines, and lower collateral requirements.

How lenders should prepare for the new credit guarantee era
Industry Information

How lenders should prepare for the new credit guarantee era

The following guidance grounded in NCGC’s own structure, principles and announcements explains how banks and fintechs can get ready internally, shape the right loan offerings, align their credit and risk frameworks, educate borrowers, and coordinate across teams for this new guarantee-driven lending ecosystem.