Title

Text here

Credit Bureau Data

Micr

ofinance

Merch

andise

Banks

SOFO

M/SO

FIPO

Personal

Loan

s

Dpt Sto

res0%

10%

20%

30%

40%

0%

10%

20%

30%

40%

50%

60%

Share of OB Share of Arrears Bal Overdue

Credit Bureau Data

Micr

ofinance

Merch

andise

Banks

SOFO

M/SO

FIPO

Personal

Loan

s

Dpt Sto

res0%

10%

20%

30%

40%

0%

10%

20%

30%

40%

50%

60%

Share of OB Share of Arrears Bal Overdue

Credit Bureau Data

Micr

ofinance

Merch

andise

Banks

SOFO

M/SO

FIPO

Personal

Loan

s

Dpt Sto

res0%

10%

20%

30%

40%

0%

10%

20%

30%

40%

50%

60%

Share of OB Share of Arrears Bal Overdue

Credit Bureau Data

Qualitative Interviews

Qualitative Interviews

??

Penalty Interest, Fees

Information

Information