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Blog Series

Digital Credit: Borrower Experiences and Emerging Risks

The advent of digital credit has extended access to instant, automated, remote credit to millions of borrowers. But who is accessing these loans? How are borrowers using the money? And to what extent are we seeing risks emerge such as late repayments and defaults, lack of transparency in loan terms and requirements, and debt stress or over-indebtedness? This blog series will shed new light on these largely unanswered questions, sharing evidence from CGAP's large-scale surveys of digital borrowers in Tanzania and Kenya and other sources that provide insight on consumers' experiences with digital credit.

Man behind counter in Kenya
Blog
05 November 2018

How Regulators Can Foster More Responsible Digital Credit

Regulators can help ensure digital credit helps, rather than harms, poor customers by taking these steps.
Masai people try mobile banking in Kenya
Blog
25 September 2018

It's Time to Slow Digital Credit's Growth in East Africa

New research from Kenya and Tanzania reveals that digital credit is often used for consumption purposes and that delinquency and default rates are high, suggesting funders of digital credit markets should prioritize consumer protection.
An agent uses a tablet to show smallholders in Kenya a video about asset-backed borrowing. Photo by Hailey Tucker, 2017 CGAP Photo Contest.
Blog
15 March 2018

Kenya’s Digital Credit Revolution Five Years On

It's been five years since Kenya launched its first digital credit solution. A new CGAP survey shows that one in four Kenyans has taken a digital loan, mostly for working capital and day-to-day consumption.
Correct1 header
Blog
01 February 2018

Helping or Hurting? 10 Facts About Digital Credit in Tanzania

A nationally representative phone survey shows who's using digital credit, how they're using it, and whether it's living up to the hype of helping families cope with emergencies.
Beatrice Kimwele conducts business on her phone in Kenya.
Blog
21 August 2017

Digital Credit: Data Sharing Can Improve Product Diversity

In a CGAP and M-Kopa pilot in Kenya, customers with greater control over their credit histories took up more credit and were more likely to pay it off in full.

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