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 […]
This guide provides detailed, step-by-step guidance on how banks with limited historical portfolio data can use simple analytical tools and methods to develop, test and improve their on credit scoring models.
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 […]
The systematic and prudent financing of smallholder agriculture has been and continues to be a difficult goal in Kenya in spite of remarkable progress in the microfinance over the past twenty years. Agriculture, with its non-uniform cash flows, rural bias, poorly capitalised and widely dispersed producers, seasonal cash flows, price and market risks differs substantially […]