Breaking down the 3 R’s of credit and why they still matter
The 3 R’s come in. Returns, Repayment capacity, and Risk-bearing ability shift the focus from merely assessing trustworthiness to examining the business as an investment opportunity.
How to reduce loan defaults in Tanzania: Best strategies for lenders
Tanzania’s banking sector has turned a corner on loan defaults. that’s not just a technical milestone, it’s a strong sign that risk management is improving, credit is being better monitored, and lenders are adapting fast.
A deep overview of consumer credit in Botswana
This report explores these developments in depth and presents a narrative-driven overview of Botswana’s consumer lending journey over the past five years.