BCA

So before any lender decides to increase loan volume, there are a few things worth fixing first. Some are operational and financial, while some of them sit inside technology and team behaviour.

This article is about how guarantor works and why it matters, particularly for lenders in Africa, where the cost of recovery is disproportionately high.

Many lenders blame late payments on “bad borrowers,” but the real problem is often hidden in the data they overlook. This article explains why your default rate is higher than it should be and highlights five powerful data points, often ignored by lenders that can dramatically improve underwriting accuracy, borrower monitoring, and repayment performance.