Is the Loan Book what they have outstanding?
8bn for M-Shwari seems low.
What’s the difference between M-Shwari and KCB-MPesa?
Do customers get a choice between MShwari and KCB?
How do others eg Tala disburse their loans?
I am surprised more banks haven’t gone into Microfinance (via MFI subsidiaries) considering MFIs aren’t under a rate cap.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett