Micro-Finance Credit Bureau (MFCB)

The Micro-Finance Credit Bureau (MFCB) is a licensed credit reference bureau in Botswana that focuses primarily on the microfinance and non-bank lending sector. It provides credit information, data analytics, and risk management services to microfinance institutions, banks, fintech lenders, retailers, and other credit providers.

MFCB plays a key role in Botswana’s financial ecosystem by helping lenders assess borrower risk, reduce default rates, and make informed lending decisions. It collects and maintains credit data on individuals and businesses, especially those who may not be fully captured in traditional banking systems.

SERVICES

• Credit Reports: Detailed reports showing an individual’s or business’s borrowing history, repayment behavior, and outstanding obligations.
• Credit Scoring: Risk-based scoring models that help lenders evaluate creditworthiness and likelihood of repayment.
• Consumer Credit Checks: Services that allow individuals to check their credit profile and financial standing.
• Business Credit Reports: Credit assessments for SMEs and corporate entities to support lending and partnerships.
• Data Sharing Platform: Infrastructure that allows lenders to submit and access borrower credit data.
• Risk & Analytics Solutions: Data-driven insights that help financial institutions improve credit decision-making and portfolio performance.
• Fraud Detection Services: Tools to identify suspicious activities, prevent identity fraud, and reduce credit risk.
• Debt Monitoring & Portfolio Tracking: Ongoing monitoring of borrower repayment behavior and loan performance.
• Financial Inclusion Support: Credit data systems that help underserved individuals build financial identities and access loans.