How to design a customer centric lending product
A good product is one which fits and addresses specific needs of the market. It’s almost impossible to gain market share or domination without tailoring one’s offerings to the needs of customers.
Loan business vs. Lending business: A difference every lender should know
One is run as a corporate machine with risk and compliance models, and the other is based on flexibility, personal contact, and sometimes punitive penalties for non-repayment.
A cultural view of loan defaults in Rwanda
Any lasting reduction in default rates will depend not only on stricter systems but also on solutions that align with Rwanda’s social norms, communal values, and the realities of how households manage money under varying economic pressures.