A deep overview of business and SME loans in Kenya
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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
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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.

Who regulates lending in Kenya?
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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. […]

An overview of loan management software in Rwanda
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An overview of loan management software in Rwanda

This report explores the rise of LMS in Rwanda, its role in financial services, key players, challenges, and what the future holds for loan management technology in the country.

A deep overview of business and SME loans in Rwanda
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A deep overview of business and SME loans in Rwanda

In Rwanda, business and SME loans are financial instruments designed to support the capital and operational needs of enterprises ranging from micro to medium-sized businesses.

A deep overview of consumer credit in Rwanda
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A deep overview of consumer credit in Rwanda

This report provides an in-depth analysis of Rwanda's consumer lending landscape, covering formal and informal markets, regulatory frameworks, types of credit, key players, and future prospects.

A cultural view of loan defaults in Zambia
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A cultural view of loan defaults in Zambia

This report analyzes loan defaults in Zambia from 2019 to 2024 through a cultural lens, focusing on personal and consumer lending.

Credit union vs Money lenders: A comparative overview
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Credit union vs Money lenders: A comparative overview

Your rent is due in a few days, or your business needs a quick cash injection to restock inventory. Maybe it’s a medical emergency, and you need funds immediately. Where do you turn? Traditional banks? Not always an option, especially when you don’t have the collateral, credit history, or time to go through the long […]

All you need to know about alternative credit scoring
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All you need to know about alternative credit scoring

By moving beyond traditional credit reports, lenders can tap into new data sources to get a fuller, fairer picture of a borrower’s financial health.

Make Better Informed Decisions

Our decision model Oraculi helps you handle all modules required to form the decision model for your lending business, convenient and easy.

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How to tackle loan defaults in the Caribbean: A lender’s guide
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How to tackle loan defaults in the Caribbean: A lender’s guide

This guide breaks down proven strategies to tackle loan defaults in the Caribbean, from better risk assessment to smarter debt recovery.

Top 5 Credit Bureaus for lenders in East Africa
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Top 5 Credit Bureaus for lenders in East Africa

In a region where financial inclusion is rapidly expanding, you’ll agree the need for reliable credit scoring has never been clearer. So, which bureaus are leading the charge in making East African lending more secure and sustainable?