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Tag: Credit
Bridge2Capital: Instant supplier credit in three clicks
This blog highlights the journey of Xtracap, a fintech start-up that provides extended credit to low- and middle-income merchants in India towards their daily working capital needs through its flagship technology platform—Bridge2Capital.
Jul 16, 2019
What is statistical credit scoring?
The ability of Financial Institutions (FI) to effectively underwrite microenterprise loans depends on accurate assessment of the loan applicant’s ability and intent to repay. Traditionally, financial institutions use their past knowledge and experience of financing microenterprises to carry out such assessments.
Oct 29, 2018
Managing loan repayments
The use of credit is an essential part of how low-income households manage to smooth their consumption in the face of “double-whammy” combinations of income and expenditure shocks. The big push for microcredit in the past decade has led to an abundance of microfinance providers and other providers that offer standardized products.
Sep 20, 2018
Digital consumer credit: nano loans, macro problems
The potential to harness digital footprints and channels to provide rapid access to credit cannot, and should not, be denied. But it will take concerted efforts to optimise the products currently being delivered and realise the full potential of the digital revolution for consumers and providers alike.
Sep 8, 2018
Riding (the) rocket to digitised microfinance
Each month, SAJIDA foundation, an NGO in Bangladesh receives loan repayments from almost 10,000 clients across five of their branches using mobile money. These repayments record roughly 25,000 transactions totaling BDT 50 million (around USD 600,000).
Sep 6, 2018
Why are friends and family central to the financial choices of Kenyans?
So is it just because people do not have access to formal services that these social networks are important or are there dimensions of this borrowing that have an intrinsic value?
Jul 16, 2018