Guides
Run your SACCO or lending business better
Plain-language how-tos with worked examples, for SACCOs, savings groups, money lenders and credit-sale businesses across Africa.
For saccos · 6 min read
How to calculate a VSLA or savings group share-out
A step-by-step way to work out what each member gets at the end of the cycle, with a worked example you can copy.
For lenders · 7 min read
8 checks to make before you lend to a new borrower
A checklist for money lenders, microfinance and SACCOs: identity, credit history, ability to pay, guarantors and collateral.
For credit sales · 7 min read
How to run credit sales and hire purchase without losing money
Pricing, down payments, instalment plans, collections and document release for businesses that sell phones, motorbikes, solar and appliances on credit.
For lenders · 5 min read
Portfolio at risk (PAR) explained, with examples
What PAR 1, PAR 30 and PAR 90 mean, how to calculate them, and why PAR is a better warning sign than arrears.
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