@johnkibe

Cladfy Blog

@johnkibe

Last-mile lending infrastructure for emerging markets

Joined November 2022

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The "Last-mile lending infrastructure" for emerging markets!blog.cladfy.com33 posts

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blog.cladfy.com

Calculating Payable Amount for a Short-Term Loan Product

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...

Oct 8, 20252 min read

blog.cladfy.com

Logiclabs: Credit Scorecards for microfinance lenders

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...

Apr 15, 20252 min read

blog.cladfy.com

Cash Flow Underwriting Doesn’t Have to Be Complicated

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...

Apr 5, 20252 min read

blog.cladfy.com

Detecting Tampering & Fraud in Bank and Mobile Money Statements

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...

Feb 17, 20253 min read

blog.cladfy.com

Disburse more, Collect Faster!

In our mission “To increase the capital flowing into Africa’s informal sector”, we have built a very intuitive and highly automated platform that makes it exceptionally lender-friendly. Its user-centric design allows lenders to focus on strategic p...

Jan 16, 20252 min read

Cladfy Blog

About

Available for

Cladfy Blog's blogs

Recently published

Calculating Payable Amount for a Short-Term Loan Product

Logiclabs: Credit Scorecards for microfinance lenders

Cash Flow Underwriting Doesn’t Have to Be Complicated

Detecting Tampering & Fraud in Bank and Mobile Money Statements

Disburse more, Collect Faster!

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Cladfy Blog

About

Available for

Cladfy Blog's blogs

Recently published

Calculating Payable Amount for a Short-Term Loan Product

Logiclabs: Credit Scorecards for microfinance lenders

Cash Flow Underwriting Doesn’t Have to Be Complicated

Detecting Tampering & Fraud in Bank and Mobile Money Statements

Disburse more, Collect Faster!