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.
Your core banking system isn’t your loan management system. Here’s the difference
If you have spent any meaningful amount of time in lending, you have likely heard someone ask the question, “Can’t our core banking system handle loans too?” On the surface, it seems like a fair point. Loans are essentially account balances. When a customer takes out a loan, the system records the disbursed amount as […]
Who regulates lending in Kenya?
Kenya has been at the forefront of digital lending, making it easier than ever for ordinary citizens to access credit. Just a decade ago, getting a loan meant filling out endless paperwork, waiting in long bank queues, and often needing collateral that many people simply didn’t have. Then came mobile lending apps promising “easier” loans. […]