Greetings Group & Happy 2019!
I believe I may be the first to post on this bright, shiny, new year.
I want to share an excellent blog post from the Center for Financial Inclusion (I just noticed it while looking for research on the impact of digital credit on consumers, though it dates from summer of last year):
I have also seen the recent, also good CGAP research on lessons from digital credit in E. Africa:
And, wondering if anyone has seen related research on the impact of more, short term digital debt on a population that potentially has existing money lender, MFI, SACCO, salary loan etc. debts?
And, any existing research on whether or not these digital credit products are actually financially including new clients?
Last question, what happens to clients who default on these digital loans in the markets you are familiar with; are they just rolled over forever with more and more fees attached? I believe E. Africa has the in duplum rule: would that apply to limit fees? Are defaults reported to the credit bureau?
Thanks in advance and wishing you all a wonderful New Year.
Jami Solli
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Posted by: Jami Solli <jamisolli@gmail.com>
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