How might local actors in Philippines small manufacturers price working-capital loans using operational evidence rather than collateral?
open
Philippines, Asia
WS02331
Good firms can be rejected because financial statements lag reality or assets are hard to pledge. Cash-flow inference, purchase-order verification, and risk-sharing products could widen credit while limiting fraud and over-borrowing. The opportunity is intentionally human-scale: a cooperative, clinic, workshop, school, or municipal team could pilot it within one locality and measure outcomes before expanding. Mathematical modeling can help with measure uncertainty, incentives, or resource constraints; entrepreneurship can turn a reliable workflow into a viable service.