Credit

Mapping Creditworthiness of Unbanked Population

Oct 14, 2019
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Conventional banking has typically focused on the 5Cs of “Credit” – character (identity), collateral (security), capacity (to repay), capital (savings, investments, or other assets), and conditions (usage of loan) – while making lending decisions.

The Legacy of Toxic SME Assets in Pakistan

Nov 29, 2017
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Much has been said on how critical small and medium enterprises (SMEs) are for the social and economic uplift of developing economies.

Digital Credit: A Case for Pakistan

Mar 10, 2016
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M-Shwari, the first digital credit and savings account service of its kind, was launched in Kenya in 2012, and has since gained tremendous popularity, prompting numerous similar deployments to emerge worldwide.

Drawing Inspiration from DFS Innovations:Part I

Dec 21, 2015
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The launch of M-Pesa in 2008 and its subsequent exponential growth heralded a new era of digital financial inclusion: one which promises to bring the unbanked and underbanked into the formal financial sector. A definition of digital financial inclusion is digital access to and use of formal financial services by excluded and underserved populations.