Evaluation and research are integral to the fabric of our organization. Our in-house R&D team is bolstered by stakeholder advisory councils and fosters a virtuous cycle of research and program development.
We work with academics from institutions like Yale University and San Francisco State University to study the effectiveness of our approaches.
90% of clients without a credit score establish one for the first time
The typical credit score increase is 168 points
Better access = $1,000 less debt per person
Each loan helps a client save $360 on fees and interest.
Our clients are able to unlock 3 more tradelines on average
The vast majority of our clients repay their loans, and on time.
Each year, thousands of individuals emerge from the financial shadows to build brighter futures.