A cultural view of loan defaults in Sierra Leone
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A cultural view of loan defaults in Sierra Leone

Behind every unpaid loan is a story shaped by social ties, informal safety nets, and shifting expectations around debt. Understanding these nuances is key to building a lending system that balances risk with empathy.

A cultural view of loan defaults in South Africa
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A cultural view of loan defaults in South Africa

If lenders and policymakers in South Africa can meet borrowers where they are economically, culturally, and socially, there may be a path forward that improves financial access while reducing default risk.

A deep overview of consumer credit in Zambia
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A deep overview of consumer credit in Zambia

This report provides a clear, practical overview of consumer credit in Zambia from 2019 - 2024. It covers the key loan types in use, major players shaping the space, current regulatory frameworks, and how technology is changing access.