Blog
Two Sides, One Coin: Credit Risk Management and Consumer Protection
For companies that offer asset financing for everything from solar panels to bicycles, consumer protection measures aren't just good for customers; they can also help companies to manage credit risk and improve their loan portfolios.Blog
The Social Impact Credit Trap in Asset Finance
Rapid growth in credit sectors, even if motivated by a desire for social impact, can lead to overindebted customers and insolvent lenders. For funders, it is important to recognize that investing in asset finance is investing in risk management.Blog
Last-Mile Consumer Finance: Embracing Opportunity, Managing Risk
Last-mile distributors around the world are working to increase low-income households' access to solar systems, cookstoves, water purifiers and other important assets. Many offer financing to customers. How are they managing credit risk?Blog
Crédito Fácil: Electric Banking in Colombia
Access to electricity does little good if it can’t be used. Learn how an energy utility in Colombia has helped 1.3 million customers to finance appliances and get more value from their energy.Blog
The Breaking Point: How Warranties Support Sustainable Asset Finance
Warranties can break down barriers to asset finance for low-income customers. Here's how.Blog
PAYGo Transformed Off-Grid Solar: Is Consumer Financing Next?
By partnering with pay-as-you-go (PAYGo) solar companies, electric utilities in Africa could expand low-income households' access to responsible consumer finance for refrigerators and other electric appliances.Blog
The Box, Not the Tools: Managing Credit Risk in Asset Finance
Pay-as-you-go solar companies and other asset finance providers are using cutting-edge tools to manage credit risk, but many lack the risk culture, governance structures and processes to use them effectively.Blog
Asset Finance Innovations Can Advance SDGs – If They Scale Responsibly
New asset finance business models are breaking down old barriers to putting life-changing assets into the hands of poor households. But to meaningfully advance SDGs, they’ll need to scale responsibly, and this is where funders can play a role.Blog
What Do Low-Income Customers Want from Asset Finance?
Here are six lessons for offering asset finance to low-income customers, based on in-depth interviews with dozens of asset finance providers and their customers in developing countries.Blog