7 early warning indicators before default rates spike
Below are seven early warning indicators that consistently show up before default rates begin to climb. These are drawn from transactional patterns, borrower behaviour, and portfolio-level observations that lenders can operationalise without speculation.
Kenya’s licensing of 42 new digital lenders and what it means for credit markets in Africa
Kenya’s licensing of 42 new digital lenders signals a major shift in how credit markets across Africa are evolving. By bringing more players into a regulated framework, the move aims to improve transparency, protect borrowers, and expand access to formal credit. But it also raises important questions about competition, risk management, and market saturation. For lenders across the continent, this development offers both a blueprint for regulation and a reminder that sustainable growth depends not just on scale, but on trust, compliance, and responsible lending practices.
Frequently Asked Questions about productive credit
This article breaks down the questions that come up when lenders start taking productive credit more seriously.
5 common mistakes first-time lenders make
Starting a lending business can feel straightforward, but many first-time lenders quickly run into avoidable pitfalls. From weak credit assessment processes to unclear loan terms and poor borrower communication, small missteps can lead to costly outcomes like defaults and low customer retention. These early mistakes often stem from focusing too much on disbursement and not enough on structure, risk, and experience. Understanding where things typically go wrong is the first step to building a more resilient and effective lending operation.
Frequently Asked Questions on guarantor-based lending models
The following frequently asked questions address the most important aspects of guarantor-based lending from a lender’s perspective.
What rising NPLs actually cost a lending business beyond the obvious
Explore the deeper cost structure behind rising NPLs and why lenders pay attention to them long before they dominate financial reports.
5 reasons why borrowers don’t come back
Many lenders focus heavily on acquisition but overlook a quieter, more costly problem: why borrowers don’t return. The truth is, repeat borrowing isn’t just about need; it’s about experience. When customers encounter hidden fees, rigid repayment structures, slow disbursements, poor communication, or feel unsupported during moments of financial stress, they remember. And when the next need arises, they don’t come back, they look elsewhere. Understanding these friction points is critical, because in lending, retention is often the clearest signal of trust earned or lost.
🛡️ Control your operational risks and prevent fraud with withdrawal approval workflows
Hello there! 👋 Happy new month and welcome to March! As we step into a new month, we’re excited to bring you more tools and updates to help you scale your lending business seamlessly. From improved workflows to smarter decision-making, we’re constantly innovating to make lending easier, faster, efficient, and more profitable for you. Here’s […]
Frequently asked questions on credit scores and blacklists
Understanding credit scores and blacklists is essential for anyone seeking loans, credit cards, or financing. This article answers the most common questions people have, from how credit scores are calculated to what being “blacklisted” really means, how long it lasts, and whether you can fix it. Whether you're building credit or trying to recover from past issues, this guide breaks everything down in simple, practical terms.
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.
How to obtain a Tier 3 or Tier 4 Microfinance License in Uganda
This article walks through how to obtain a Tier 3 Microfinance Deposit-taking Institution licence and a Tier 4 licence in Uganda
