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 cultural view of loan defaults in South Africa
If lenders and policymakers in South Africa can meet borrowers where they are economically, culturally, and socially, there may be a path forward that improves financial access while reducing default risk.
The need for financial models to build a successful loan business
Financial models perform as business GPS for lenders to avoid roadblocks and predict financial performance. But there are more ways they empower lenders.

