Categories of low-risk borrowers lenders should target
Saying, “I don't want high-risk borrowers,” is one thing; articulating the low-risk customers you seek is another. We have done the grunt work of identifying and categorizing traditionally low-risk borrowers.
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.
BNPL vs. Traditional loans : What works best in Ghana
Does BNPL actually beat traditional lending from banks and microfinance institutions? That depends. Not just on the cost, but on your financial goals, discipline, and what kind of credit experience you're looking for.