Aella Credit est une plateforme de pr\u00eats en ligne destin\u00e9e aux pr\u00eateurs marginalis\u00e9es par les institutions financi\u00e8res traditionnelles.<\/p>\n
Les institutions financi\u00e8res nig\u00e9rianes parviennent difficilement \u00e0 \u00e9valuer les risques des profils emprunteurs et peinent \u00e0 int\u00e9grer les technologies innovantes \u00e0 leur mod\u00e8le. Cela r\u00e9sulte sur des processus de demande de pr\u00eat extr\u00eamement laborieux pour les demandeurs d\u2019emprunts\u2026<\/p>\n
PRINCIPE ET GEN\u00c8SE DE L’OFFRE<\/strong><\/p>\n Apr\u00e8s 10 ans de carri\u00e8re en banque d\u2019investissement, Akin Jones, co-fondateur d\u2019Aella Credit, d\u00e9cide de proposer une solution au probl\u00e8me de l\u2019acc\u00e8s au cr\u00e9dit au Nig\u00e9ria. En effet, 90% de la population nig\u00e9riane n\u2019a jamais pu acc\u00e9der \u00e0 un pr\u00eat de la part des institutions traditionnelles et sont contraints de se tourner vers des usuriers. Pour y rem\u00e9dier, Akin et son \u00e9quipe d\u00e9veloppent un algorithme d\u2019\u00e9valuation de risque cr\u00e9dit en r\u00e9coltant l\u2019\u00e9quivalent de 5 ans de donn\u00e9es et analyses du march\u00e9 nig\u00e9rian. Aella Credit adapte son algorithme \u00e0 une application utilisable simplement et rapidement, d\u00e9bute son activit\u00e9 en 2015 et ouvre l\u2019acc\u00e8s au cr\u00e9dit \u00e0 plus de 1 000 emprunteurs d\u00e8s sa premi\u00e8re ann\u00e9e d\u2019activit\u00e9. Elle distribue plus de 500 000 dollars de cr\u00e9dit et r\u00e9alise un chiffre d\u2019affaire de 120 000 dollars la m\u00eame ann\u00e9e. Ces performances encourageantes permettent \u00e0 Aella Credit de r\u00e9aliser une lev\u00e9e de fonds de 8 millions de dollars aupr\u00e8s d\u2019un consortium am\u00e9ricain.<\/p>\n PARCOURS CLIENT FONCTIONNEMENT<\/strong><\/p>\n Les emprunteurs s\u2019inscrivent en remplissant un formulaire en quelques minutes. Apr\u00e8s analyse de leur profil, ils re\u00e7oivent le montant que leur permet l\u2019algorithme avec un indication claire des dates de remboursement et taux d\u2019int\u00e9r\u00eat. En remboursant sans retard, ils sont \u00e9ligibles \u00e0 un nouvel emprunt d\u2019un montant plus \u00e9lev\u00e9 que le pr\u00e9c\u00e9dent. Apr\u00e8s trois emprunts rembours\u00e9s sans d\u00e9lai en trois mois, ils peuvent b\u00e9n\u00e9ficier d\u2019un nouvel emprunt avec des taux d\u2019int\u00e9r\u00eat moins \u00e9lev\u00e9s. Ils peuvent ainsi faire partie du r\u00e9seau Aella et b\u00e9n\u00e9ficier d\u2019emprunts plus \u00e9lev\u00e9s \u00e0 des taux plus faibles en invitant leur employeur \u00e0 int\u00e9grer le r\u00e9seau.<\/p>\n EN QUOI EST-CE UNE INNOVATION<\/strong><\/p>\n Aella Credit met l\u2019analyse de donn\u00e9es au service d\u2019une transformation du secteur financier. Son algorithme \u00e9value mieux les profils. Enfin, son mod\u00e8le \u00e9conomique est tr\u00e8s innovant et cr\u00e9ateurs de traction car il pousse les emprunteurs \u00e0 suivre des comportements vertueux et cr\u00e9er des \u00e9mules parmi leur r\u00e9seau personnel. 30% des emprunteurs parviennent \u00e0 int\u00e9grer des personnes de leurs r\u00e9seaux personnels et professionnels au r\u00e9seau Aella Credit.<\/p>\n","protected":false},"excerpt":{"rendered":" Aella Credit est une plateforme de pr\u00eats en ligne destin\u00e9e aux pr\u00eateurs marginalis\u00e9es par les institutions financi\u00e8res traditionnelles. Les institutions financi\u00e8res nig\u00e9rianes parviennent difficilement \u00e0 \u00e9valuer les risques des profils […]<\/p>\n","protected":false},"author":1,"featured_media":5108,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5105","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5105"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5108"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5105"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}