The Brief · Topics
African Markets
How African markets actually behave — the informal economy, frontline credit signals, and why the data rarely tells the whole story.
Kofa Insights Limited · African Markets
01 · African Markets
2 pieces
Everything we've published on african markets.
0102
Ground Truth
The Informal Economy Runs African Markets. Here's Why Your Research Misses It
Formal systems and informal systems exist side by side. Only one usually appears in a report — and it is rarely the one that determines outcomes.
Field Intelligence
What Loan Officers in Lagos Know That Your Credit Model Doesn't
A credit model can tell you whether a borrower qualifies. A loan officer can tell you whether they will actually apply — and why, in this market, they often do not.
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