Credit Information Sharing Association of Kenya

Developing CIS Platforms for Derisking Lending to Agriculture in Sub-Saharan Africa

This paper makes the case for agricultural lenders in Sub-Saharan Africa (SSA) to upgrade the sources of information collateral by placing more reliance on credit bureaus than less sophisticated structures such as  group-based savings and lending techniques. Properly licensed and regulated credit bureaus, having access to a wide range of formal and informal, positive and negative data, are a more efficient and effective means for character-based lending to mitigate risk, reduce operating costs and enforce repayment…Read on.

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