Breaking down the 3 R’s of credit and why they still matter
Lender information

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.

Device finance in Nigeria: A case for BNPL
Growth marketing

Device finance in Nigeria: A case for BNPL

In an era where a smartphone is no longer a luxury but a fundamental tool for economic survival, Nigeria's "affordability gap" has never been wider. With inflation squeezing disposable income, the traditional model of outright cash purchases is being replaced by the rapid rise of Buy Now, Pay Later (BNPL). This shift isn't just about convenience; it’s a strategic response to currency volatility and a lack of traditional credit infrastructure. By leveraging alternative data and "pay-as-you-go" technology, BNPL providers are turning the dream of high-end tech ownership into a manageable monthly reality for millions of Nigerians, ultimately driving the nation's next wave of digital inclusion

Frequently asked questions on mobile money loans
Borrower information

Frequently asked questions on mobile money loans

This article walks through more than twenty five of the most common questions around mobile money loans, with a clear focus on what lenders and credit providers need to understand.