Posts by Daniel Rozas
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‘Like Using a Wall to Stop a Runaway Bus’: Cambodian Microcredit is Overheated, But Rate Caps Aren’t the Answer
Daniel Rozas says a proposed interest rate cap of 18 percent on most new microloans in Cambodia will, if enforced, hurt the very people it ostensibly seeks to protect. Taking issue with a recent post by Milford Bateman, Rozas argues the cap would create a clear preference for certain types of lending and could heighten problems created by Cambodia's saturated microcredit market.
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Home Sweet Home: Mobilizing Microfinance for Housing
Only 2 percent of microfinance portfolios consist of housing loans. Why? The authors say it's because housing languishes in the “household spending” category; it's not income generating, so it's somehow less deserving. It will soon be in the spotlight, however, as the eighth European Microfinance Award focuses on what financial institutions serving the world’s poor can do to address their housing needs.
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Daniel Rozas / Gabriela Erice García
Opportunity International and MyBucks: The Future of Digital Microfinance?
Back in November 2015, to little fanfare, microfinance pioneer Opportunity International agreed to sell six banks serving sub-Saharan Africa to the MyBucks Group, a Luxembourg-based fintech company. By all accounts, this should have been bigger news, as it touches upon many of the topics and trends that are reshaping the microfinance sector, from the role of fintech to the question of responsible exits. Daniel Rozas and Gabriela Erice García explore the very real opportunities and challenges generated by this deal.
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