Migrant-owned businesses restarting after closure need working capital, not only protection. How to design recovery finance on verified trading history.
Section
Money
The Credit Risk of a Missing Workforce
How sudden migrant-worker departures hit SME borrower revenue and debt-service capacity, and why lenders should add labour-continuity to credit reviews.
Political Violence Insurance Is No Longer Only for Mines and Malls
Unrest risk has spread to microbusinesses, gig platforms and rental property while cover still serves mines and malls. The case for pooled unrest insurance.
Business Interruption Cover After June 30
Business interruption cover pays for damage. Precautionary shutdowns have none. Audit wording, exclusions and evidence before the next march.
Cash Leaves With the Corner Shop
Foreign-run spaza shops are cash-in, cash-out and informal-credit points, not just retailers. When they close, financial-service deserts form. How to map them.
Fintech’s Afrophobia Stress Test
Cross-border wallets promised portable money. Displacement tests whether they serve users across borders: portability, cash-out and support under strain.
KYC Under Pressure: When Documentation Delays Become Customer Flight
Permit and documentation gaps among returnees collide with KYC controls, turning due diligence into customer flight. Due diligence without blanket de-risking.
The Bank Account That Cannot Protect Its Owner
Inclusion gave migrants bank accounts, not safety. In a displacement event the account locks the owner out. The emergency-access protocols banks should build.
Zimbabwe Receives the Largest Share: What Happens if Senders Leave?
Zimbabwe is the biggest destination for remittances from South Africa. Departures hit Zimbabwe-facing payment firms with liquidity and demand shocks at once.