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Sydney Harbour Circular City of Sydney,Australia.

The Debt Cycle: How Small Credit Decisions Can Become a Bigger Problem

The Debt Cycle: How Small Credit Decisions Can Become a Bigger Problem

Nobody plans to get stuck in debt. It usually happens in small steps that seem fine at the time. A late EMI payment here, a small personal loan there, one...

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Beyond the Bureau: How the Grameen Score Could Reshape Rural Lending

Beyond the Bureau: How the Grameen Score Could Reshape Rural Lending

For years, the credit bureau score has been one of the most important indicators in lending. A strong score signals responsible repayment behaviour, while a weak score often raises an...

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The Case for Climate-Aware Lending Models

The Case for Climate-Aware Lending Models

For decades, the Indian microfinance sector has viewed the monsoon as a familiar variable in the lending cycle. Good rainfall meant stronger agricultural output, healthier household incomes and better repayment...

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No Credit History vs Low Credit Score: Understanding the Difference

No Credit History vs Low Credit Score: Understanding the Difference

A Credit Score is often considered an important part of a borrower’s financial profile, but having no established Credit History and having a Low Credit Score are two entirely different...

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Beyond Eligibility: Why Affordability Will Define the Next Era of Lending in India

Beyond Eligibility: Why Affordability Will Define the Next Era of Lending in India

The lending industry has mastered eligibility. The next challenge is affordability. The Indian lending industry has undergone a remarkable transformation over the past decade. What was once a paper-intensive, collateral-driven...

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