The Billion-Dollar Market Nobody's Talking About | Rudolfo Beltran & Dan Smith

Billions of people worldwide have no access to traditional banking. In Kenya, a $5 loan processed on a basic cell phone is already changing that. In this episode, Rudolfo Beltran, Vice President of Capital Acquisition, and Dan Smith, Director of CRM Systems at InNova Global Fund, offer an inside look at how mobile infrastructure and digital wallets like M-Pesa are turning microlending into a blueprint that investors worldwide are beginning to take seriously.
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01:38 – Global scale of micro lending
04:44 – Small loans, big impact
07:33 – Managing risk with M-PESA
10:06 – How micro loans work
12:30 – Wallets vs credit cards
14:20 – Who uses micro loans
17:28 – Defaults and returns
18:52 – From loans to credit union
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𝘛𝘩𝘦 𝘷𝘪𝘦𝘸𝘴 𝘦𝘹𝘱𝘳𝘦𝘴𝘴𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘷𝘪𝘥𝘦𝘰 𝘢𝘳𝘦 𝘵𝘩𝘰𝘴𝘦 𝘰𝘧 𝘵𝘩𝘦 𝘨𝘶𝘦𝘴𝘵 𝘢𝘯𝘥 𝘥𝘰 𝘯𝘰𝘵 𝘯𝘦𝘤𝘦𝘴𝘴𝘢𝘳𝘪𝘭𝘺 𝘳𝘦𝘧𝘭𝘦𝘤𝘵 𝘵𝘩𝘦 𝘷𝘪𝘦𝘸𝘴 𝘰𝘧 𝘔𝘢𝘳𝘬𝘦𝘵 𝘐𝘯𝘴𝘪𝘥𝘦𝘳. 𝘛𝘩𝘪𝘴 𝘤𝘰𝘯𝘵𝘦𝘯𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘴𝘩𝘰𝘶𝘭𝘥 𝘯𝘰𝘵 𝘣𝘦 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳𝘦𝘥 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭, 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵, 𝘰𝘳 𝘭𝘦𝘨𝘢𝘭 𝘢𝘥𝘷𝘪𝘤𝘦. 𝘈𝘭𝘸𝘢𝘺𝘴 𝘤𝘰𝘯𝘴𝘶𝘭𝘵 𝘢 𝘲𝘶𝘢𝘭𝘪𝘧𝘪𝘦𝘥 𝘱𝘳𝘰𝘧𝘦𝘴𝘴𝘪𝘰𝘯𝘢𝘭 𝘣𝘦𝘧𝘰𝘳𝘦 𝘮𝘢𝘬𝘪𝘯𝘨 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘥𝘦𝘤𝘪𝘴𝘪𝘰𝘯𝘴. 𝘚𝘰𝘮𝘦 𝘭𝘪𝘯𝘬𝘴 𝘪𝘯 𝘵𝘩𝘦 𝘥𝘦𝘴𝘤𝘳𝘪𝘱𝘵𝘪𝘰𝘯 𝘮𝘢𝘺 𝘣𝘦 𝘢𝘧𝘧𝘪𝘭𝘪𝘢𝘵𝘦 𝘭𝘪𝘯𝘬𝘴.