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  • Create Date July 16, 2021
  • Last Updated July 16, 2021

The importance of access to financial products and services is well established. It facilitates daily life and helps households and businesses to diversify their activities. The supply of financial services to users generally takes the form of transactions, payments, savings, insurance or credit, which often remains subject to a significant information deficit between the main players. This is due to several causes which can be divided into two categories. On the side of credit providers or lenders, which are generally secondary banks and microfinance institutions (MFIs), the causes of information asymmetry in the credit granting process are both functional and organisational.

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