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.
A cultural view of loan defaults in the Philippines
The cultural bedrock of family and community in the Philippines suggests that, for better or worse, social norms will continue to shape how loans are taken and repaid.
How debit order works in Botswana
This report provides an in-depth analysis of the debit order ecosystem in Botswana from 2019-2024, covering its regulatory framework, operational mechanics, key players, adoption trends, infrastructure, challenges, and future innovations.