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In Rwanda, over 60% of adults lack access to formal credit, despite having reliable income sources and responsible financial behavior. Traditional credit scoring excludes millions from the financial system by focusing solely on banking history.
TEGEKA
THE CHALLENGE
THE SOLUTION
Mirame's AI-powered Alternative Credit Scoring (ACS) system revolutionizes credit assessment by analyzing comprehensive data points that truly represent an individual's creditworthiness:
Mobile money transactions
Utility payments
Business activities
Community engagement
Agricultural data
Social responsibility
Environmental stewardship
Why It Matters:
Enables SACCOs to serve more members confidently
Reduces loan processing time and costs to serve more members confidently
Increases financial inclusion for women and rural communities
Supports climate-resilient agricultural practices
Strengthens the informal economy
Technical Architecture:
Secure data collection from multiple sources
Advanced AI/ML processing
Real-time credit assessment
Gender-responsive algorithms
Climate risk integration
API-first design for easy integration
Privacy-preserving architecture
Impact Goals:
0
New loans enabled in first year
0%
Women borrowers
0%
Rural clients
0%
Reduction in loan processing time
0%
Decrease in default rates
Be a Part of the Pilot Journey
Be a part of the Journey
Want to Watch more
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Check out The Mirame Memos
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Partner With Us: We're seeking partners for our pilot:
Technical partners with complementary solutions
Development organizations supporting financial inclusion
SACCOs ready to innovate
Research institutions for impact measurement
Work with us in improving financial inclusion.
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KIGALI,Rwanda.
KG 7 Ave, Kigali Heights 4th Floor, East Wing.
LAGOS, NIGERIA
2nd Floor, Greenville Plaza, 19 C M D Rd, magodo, Ikeja 105102.