Sustainable Credit in Emerging Markets

Tomorrow Capital’s thesis is centred around supporting businesses that provide sustainable credit within emerging markets - but what exactly does this mean and why is it significant? 

Written by

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16.5.24

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Travel Diaries: Singapore

We’ve had a fantastic week in Singapore connecting with some strategic investors and expanding our understanding of the region. South-East Asia marks the third key region in our geographical strategy, complementing our efforts in LATAM and other regions.

Written by

Harrison

on

28.11.24

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Advisory Insights: The great capital unlock

Talent and technology are critical, but access to high quality capital is vital to unlock this potential. Lending volume is 50% lower ingrowth markets, despite the number of entrepreneurs and consumers greatly exceeding the developed world. Explore how this situation is evolving.

Written by

Ryan

on

4.9.24

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Southeast Asia Deep Dive: Philippines and Indonesia

In our recent quarterly meeting with our Macroeconomics Adviser, Nick Stadtmiller, we delved into the economic and political landscapes of the Philippines and Indonesia for 2024.

Written by

Olivia

on

14.3.24

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Macro Outlook with Nick Stadtmiller - Africa "Big 4" 2024

In our recent quarterly meeting with our Macroeconomics Advisor, Nick Stadtmiller, we discussed the key macroeconomic themes in Africa from the first quarter of 2024, with a particular focus on the risks and opportunities in Egypt, Kenya, and Nigeria.

Written by

Olivia

on

14.3.24

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Deep Dive: Pakistan

Having spent a week at PakLaunch meeting with friends, investors and founders building and investing in Pakistan we have been overwhelmed with the size of opportunity while beginning to understand the challenges for the South Asian nation of 249m people.

Written by

Harrison

on

28.11.24

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Travel Diaries: Kenya

A first-hand insight into Kenyas blooming start-up community from 10 days with local investors, founders and key players.

Written by

Harrison

on

28.11.24

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The role of AI in lending

AI has a wide range of applications throughout the lending cycle - from improving credit approvals & product offerings, to streamlining application processes and collections

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The financing of loan financing

A deep dive into the three main ways in which a tech enabled business can provide/drive the provision of credit. These are: Pure Loan Origination, Off-Balance Sheet Lending and On-Balance Sheet Lending.

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Unlocking the financial leverage of the wage

In emerging markets, the majority of workers earn very low incomes and work in informal economies. As a result, these individuals live paycheck to paycheck and are often unable to access traditional forms of credit - many work in informal economies and lack financial histories due to cash dominant environments, making banks reluctant to give them loans. 

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Macro Spotlight: Egypt

Egypt is a country of 110m people with low banking penetration across the country. A historically cash driven economy the last 2 years have seen a huge uptick in digitalisation.

Written by

Harrison

on

28.11.24

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Auto-financing, the global opportunity

In emerging markets, owning a vehicle is more of a necessity than a luxury: a vehicle, is not only a key store of value, vital to navigate the complexities of daily life but also a corner stone of engaging in economic activity.

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Financial Inclusion in Emerging Markets

Financial inclusion is the process of providing suitable financial services to ‘unbanked’ individuals and businesses in an affordable, sustainable and ethical way.

Written by

Harrison

on

28.11.24

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Emerging Markets: A Macro Economic Outlook

In this article, we examine these effects, introduce some other emerging-market specific trends and discuss the future of emerging market economies.

Written by

Harrison

on

28.11.24

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More articles coming soon.

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