A cultural view of loan defaults in Malawi
How to

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 […]

Hurdles to scale to become a lender
Growth marketing

Hurdles to scale to become a lender

Becoming a lender is full of promise, but the road to scale is anything but simple. From compliance demands to data limitations, operational gaps, and the constant pressure to maintain healthy portfolios, new lenders face challenges that can quickly stall growth. Understanding these hurdles is the first step to building a lending business that is sustainable, competitive, and built to last.

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.