YOUR POSITIVITI NEWS CORNER
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Microfinance Demystified: What It Is and Why It Matters More Than Ever By: Rendi Nyangua |
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Imagine you’re in a small town in Tanzania. You run a fruit stand, selling bananas and mangoes to passersby. Your business could double — maybe even triple — if you could buy in larger quantities. But traditional banks won’t touch your application. No formal job, no credit history, no collateral. That’s where microfinance comes in.
Microfinance is not charity. It’s a structured, purposeful system that allows people to access loans between $5 and $500, designed to support real economic activity. It connects underbanked entrepreneurs with streamlined lending through mobile platforms — fast, flexible, and local.
Open Valley Group (OVG), a leader in this field, has built a digital-first infrastructure that serves borrowers across Kenya, Ghana, Mozambique, and beyond. With a capacity to process up to 3 million microloans daily, OVG’s systems are robust. Yet the heart of microfinance lies not in the scale, but in the stories.
Take Daniel in Nakuru, for example. He used a $75 loan to start selling refurbished phone accessories. He repaid in 30 days, took another loan, and now manages a kiosk with two shelves and a regular customer base. He’s not just making ends meet — he’s building equity, one sale at a time.
Compliance isn’t sacrificed for speed. Each loan is vetted using tools like Comply Advantage for Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols. This helps ensure responsible lending and borrowing — a key reason OVG’s default rate is just 2.7%, far below industry averages.
But microfinance is more than loans — it’s an education. Borrowers learn to manage funds, build repayment habits, and gain the confidence to dream bigger. Financial literacy becomes a by-product of experience. For many, it’s the first step into formal economic participation.
In a world where 2 billion people lack access to banks, microfinance isn’t a fringe concept — it’s a financial revolution. And whether it’s helping a farmer buy fertilizer or a market vendor stock up for the weekend, every loan adds up to something far bigger: opportunity.
The future of financial inclusion is already here — and it’s happening in the palms of people’s hands. |
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From Side Hustle to Small Business: The Power of a $100 Microloan in Africa By: Rendi Nyangua |
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In the bustling streets of Kisii, Kenya, Amenya weaves her colorful hand-made baskets by hand. Her creations are beautiful, but her stall — a makeshift structure shaded by tarpaulin — struggles to keep up with demand. One afternoon, she receives a microloan of $100 through Open Valley Group’s mobile platform. With that, she buys in bulk, upgrades her stall, and even hires her teenage niece to help manage the growing business. What was once a side hustle is now a stable source of income for her family.
Stories like Achieng’s aren’t rare. They are multiplying across Kenya and beyond. The average microloan through Open Valley Group (OVG) ranges from $5 to $500, and astonishingly, about 300,000 of these are requested every single day. Even more remarkable: 90% are business-related. These are not consumer loans — they are investments in stalls, workshops, boda boda taxis, and open-air markets.
Behind this transformation is technology. OVG’s digital platform, AfreCash, has brought microfinance to the fingertips of more than 345,000 active monthly users. Through a quick credit check using Metropol and instant disbursement via M-PESA, aspiring entrepreneurs in even the most rural villages can access capital in minutes. It’s a game-changer.
One of the most powerful aspects of this system is its impact on women. In fact, 60% of borrowers are women, and women-led households have seen a 20%+ increase in savings thanks to consistent borrowing and business growth. Consider Mary, a mother of three in Eldoret, who used her loan to buy a second-hand sewing machine. A year later, she employs two others and dreams of opening a tailoring school.
What makes the $100 microloan so powerful isn’t the amount — it’s the timing, the access, and the belief it represents. When funding meets ambition, growth is inevitable. While banks may hesitate to offer small loans without collateral, platforms like OVG empower people to create their own path — one transaction at a time.
It’s not just money; it’s momentum. And in towns and villages across Africa, that momentum is changing lives. |
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SHOW CALENDAR 2025
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CLIENT TESTIMONIALS
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Excellent customer serviceExcellent customer service, very responsive. Great mission of providing capital to those in need to allow the borrower to grow and prosper. Exceptional returns without the volatility of market swings. ~ David |
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Lender to Microloan representativeI became a lender first and I was very happy with the returns and service from Positiviti. Everything they promised they made good on. The owners and Vice President are people of great character and want success and a Win / Win / Win for everyone involved. ~ John |
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36% Annual returns while helping others is a Win-Win!I am more than pleased with the returns I have received in the last 18 months. Every month, I get 3% reported in my Positiviti Account, and each month, I know that my participation is helping thousands of Small and Micro businesses in Kenya get access to capital to build up their businesses. Earning 36% annual returns while helping others is a true win-win investment. What is better is we did a friends and family account so even my kids earn 36% annual returns as part of our account. If you are not earning 36% annually consider participating in Positiviti Lending. You will be as happy as I am. ~ Dan |
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Amazing microlending platform with high returnsAmazing microlending platform with high returns. The staff is incredibly helpful. I have seen positive returns of 3% month consistently on my money since enrolling in the Family and Friends plan. Positiviti is the real deal. I continue to recommend them to everyone I know. Very happy with the service. ~ John |
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I went from -4% to 12% by moving it to PositivitiI was able to take my money out of my 401K from the company I am currently working for, because I was only making -4%. I then put it into Positiviti through Oasis Retirement trust and now I am making 12%. That's a net gain of 16%. Wow, soon I will be making 36% and I can speed up my retirement date. ~ Jan |
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DISCLAIMER: Positiviti, Inc. provides administrative, technical, and facilitative support services for individual microlenders seeking to engage in microlending efforts with MFI’s, including Open Valley Investment Group Limited in Kenya. Positiviti, Inc. does not act as a lender, financial advisor, or guarantor of loan performance. Positiviti does not issue loans or guarantee repayment. All loan agreements are entered into directly between individual international lenders and MFI’s in Kenya. Past performance is not indicative of future results. Participation in microlending carries risk, and individuals should independently research and conduct their own due diligence before making any financial commitments. Use of this platform is governed by our Terms of Service and Privacy Policy. CONFIDENTIAL PRIVILEGE: This email message and any attachments are intended solely for the individual or entity to which it is addressed and is confidential. If the reader of this message and any attachments are not the intended recipient, you are hereby notified that any examination, distribution, or copying of this material is strictly prohibited. If you received this message in error, please notify the sender promptly and delete this message and any attachments. |
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