Articles by Monica Christy
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Guest Articles
Thursday
February 12
2026Nabilla Prita Fiandini / Monica Christy
Leveraging the Currency of Trust: How Social Commerce Data Can Inform Risk Management and Bring Formal Finance to Women-Led MSMEs
Across emerging markets, millions of women entrepreneurs operate in trust-based economies invisible to formal credit systems. As Nabilla Prita Fiandini and Monica Christy at MicroSave Consulting (MSC) explain, these businesses rely on their social reputations and customer relationships to survive, and often use platforms like Facebook and WhatsApp to market their products. They share insights from a recent MSC report based on surveys and interviews with hundreds of social sellers across Indonesia, exploring how data from these entrepreneurs' social commerce activity can be used to boost their access to formal finance.
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