A cultural view of loan defaults in Malawi
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A cultural view of loan defaults in Malawi

Executive Summary Between 2019 and 2024, Malawi has seen both a rapid expansion in personal lending and a growing struggle with defaults. While commercial banks, microfinance institutions (MFIs), savings and credit cooperatives (SACCOs), village savings and loan associations (VSLAs), and new digital lenders have opened up access to credit, many Malawians still find it difficult […]

What NCGC will (and won’t) do for Nigerian lenders
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What NCGC will (and won’t) do for Nigerian lenders

So here’s a breakdown of five important things the NCGC will do and just as importantly, five things it won’t.

Credit bureaus, credit scoring, and payments providers for lenders in Ghana
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Credit bureaus, credit scoring, and payments providers for lenders in Ghana

Credit bureaus are the gatekeepers of reliable data, and in a place like Ghana, where non-performing loans (NPLs) hover around 24.3% according to CEIC data, data accuracy isn’t just helpful—it’s non-negotiable. With access to transparent borrower data, lenders are no longer flying blind—they can effectively sift out high-risk borrowers and reduce default rates, turning chaos […]