Digital P2P Lending Platform for Ethiopia

This report explores the potential benefits and applicability of a digital Peer-to-Peer (P2P) lending platform in Ethiopia, aiming to provide alternatives to traditional financing mechanisms and formalize existing informal lending practices. The primary target audiences for this use case report are financial institutions, regulatory authorities such as the National Bank of Ethiopia, technology providers, potential lenders, and SMEs or individuals seeking credit. By addressing the lack of accessible and formal digital lending options, a digital P2P lending platform could improve credit access, financial inclusion, and investment opportunities for lenders. A well-structured platform would streamline lending transactions by connecting borrowers and lenders through a digital interface that facilitates loan applications, credit assessments, disbursements, and repayments.