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Publications -
November 2019

Digital credit audit report: Evaluating the conduct and practice of digital lending in Kenya

Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has provided individuals with the tools to manage their day-to-day needs and working capital for small enterprises. Survey data reveals that over six million Kenyans have borrowed at least one digital loan. Beyond these daily use-cases, […]

Retail innovations
August 2015


Zidisha is a 501(c)(3) non-profit organization that allows people to lend small amounts of money directly to entrepreneurs in developing countries. It is a peer to peer micro-lending service that links borrowers and lenders worldwide without the inter mediation of a local micro-finance institution. The organization is named after the Kiswahili word zidisha which means “grow” or “expand”. The Zidisha website facilitates […]

Retail innovations
August 2015

Kiva Zip

Kiva Zip is a pilot program, launched by, to drive innovations in person-to-person lending. It provides 0% interest loans of up to $5,000 for small businesses and entrepreneurs who are financially excluded and under-served. Kiva Zip allows for direct lending at 0% interest to entrepreneurs in Africa and the U.S. by leveraging trust networks & […]