If you are like me, you enjoy your coffee. I have been privileged – I’ve had coffee directly from the producers...

For a general introduction to credit risk, please review Part 1. QUANTITATIVE MEASUREMENTS OF CREDIT RISK AND CREDIT VALUE AT RISK (CVAR) MODEL The key point in terms of credit risk evaluation is the calculation of expected loss. The one-year…

INTRODUCTION Recent developments, such as the COVID crisis, political turmoil in different parts of the world, climate events, etc. put more emphasis on the importance of sound credit risk management solutions as the task becomes more and more complicated in…

The Covid 19 has had a negative impact on the lives of many people, organizations, and sectors of the economy worldwide. It is also fair to recognize that faced with the “new normality”, there have been providers of essential services…

With the SMART Campaign’s retirement in March 2021, a quick look back at the path travelled, and some thoughts on social performance. For a long time, the achievement of social impact was considered a given of microfinance activity: since people…

Thanks to lenient regulations on deposit taking in West Africa, what we now understand as microfinance is individual loans to microentrepreneurs with an established business in the retail sector, used for working capital and small investments in their business, paid…