@johnkibe
Cladfy Blog
@johnkibe
Last-mile lending infrastructure for emerging markets
Joined November 2022
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Calculating Payable Amount for a Short-Term Loan Product
Oct 8, 2025 · 2 min read · Using an Annualized Interest Rate - a 25% for 6 Weeks example If you’re a lender offering short-term loans, you’ve probably dealt with Flat Interest Loans that run for just a few weeks.Let’s say you want to create a loan product that charges a 25% fl...
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Logiclabs: Credit Scorecards for microfinance lenders
Apr 15, 2025 · 2 min read · The best microfinance lenders know their community inside and out. But even with deep local insight, lending decisions can sometimes feel part gut instinct, part spreadsheet chaos. Bring Order to the Chaos That’s where Logiclabs comes in. We built th...
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Cash Flow Underwriting Doesn’t Have to Be Complicated
Apr 5, 2025 · 2 min read · Someone recently said something that stuck with us at Cladfy: "No credit analyst has ever been fired for using ‘number of days with a negative balance’ as an attribute." That’s it. That’s the blog. …Okay, not quite. But this one-liner captures a fund...
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Detecting Tampering & Fraud in Bank and Mobile Money Statements
Feb 17, 2025 · 3 min read · Fraud in financial documents—especially bank and mobile money statements—has become a growing concern for Microfinance lenders and other financial institutions. Fraudulent modifications, whether by individuals inflating their income or organized frau...
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