Publications

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Publications -
May 2016

SACCO CIS capacity review report

This report is an outcome of a study conducted by Sigma Business and Analytics Ltd to assess the capacity of SACCO’s in Kenya to participate in credit information sharing. It was commissioned by the CIS SACCO taskforce with financing from FSD Kenya. The report outlines an approach for a structured capacity review on licensed SACCO’s […]

Publications -
April 2016

CIS for innovation and financial Inclusion: “Mikopo Kisasa”

This report captures the highlights of the third regional CIS conference themed “CIS for Innovation and Financial Inclusion – Mikopo Kisasa!” Highlights include:- Endorsement by policymakers of CIS goals of promoting access to affordable credit inthe region’s economies; The need for unified legislation to promote increased participation in CIS; The importance of implementation of cross-border data sharing […]

Retail innovations
August 2015

Credit Information Sharing (CIS) System

CIS is a mechanism through which various lenders electronically pool and pull borrower information using centralised (credit reference bureau) databases, with the aim of addressing information asymmetry between borrowers and lenders. Left unchecked, information asymmetry often results in adverse selection, unsuitable loan products/terms, and exclusion of certain categories of borrowers from the credit market. Agriculture […]