Shivani Siroya: A smart loan for people with no credit history (yet)
ชิวานิ สิโรญา: ทางเลือกของที่ต้องการจะกู้เงินโดยไม่มีคะแนนเครดิต
Shivani Siroya created a tool that allows anyone with a cell phone to build a financial track record. Full bio
Double-click the English transcript below to play the video.
to know about a person
making a loan?
about that person
in her late thirties.
สหรัฐในวัย30กว่าๆ
come to see her for health services,
จ่ายค่ารักษาได้หรือไม่
with her at the grocery store
ที่ร้านขายของชำ
and pay her right on the spot
จ่ายค่ารักษา ณ ตอนนั้น
and their health.
และสุขภาพของพวกเขา
because she trusted them.
going to lend to a stranger
something about them.
and other financial institutions
of our public consumer credit data.
ที่มาจากฐานข้อมูลลูกค้า
pretty much easy access
and services that we need,
around the world
ในประเทศกำลังพัฒนา
public records on them --
to the credit or financial products
for these 2.5 billion.
using mobile data.
จากฐานข้อมูลโทรศัพท์
smartphones in emerging markets.
กว่าหนึ่งพันล้านในตลาดเกิดใหม่
the same way that we do.
they're looking up directions,
financial transactions.
captured on our phones,
ไว้ในสมาร์ทโฟนเสมอ
of a person's life.
ความยินยอมจากลูกค้า
through our mobile application.
the creditworthiness
a small-business owner in Nairobi, Kenya.
ในเมืองไนโรบิ ประเทศเคนยา
has been running a food stall
ขายอาหารตามรถเข็น
through vocational school,
ในโรงเรียนสายอาชีพ
of her local chama,
to cover her expenses.
into growing her business.
her options are limited.
that could help vouch for her credibility.
เพื่อรับรองความน่าเชื่อถือ
would be way too small
มักจะเป็นทางเลือกหนึ่งเสมอ
that are well above 300 percent,
collateral or a credit history,
ไม่มีหลักประกันหรือประวัติเครดิต
and ask for a business loan.
to download our application
ดาวน์โหลดแอพฯของเรา
questions on her phone
key data points on her device.
ข้อมูลจากมือถือ
and no previous loan history.
และไม่เคยมีประวัติสินเชื่อ
a red flag to a traditional bank.
in her history that showed us
phone calls to her family in Uganda.
กับครอบครัวที่อูกันดา
communicate with a few close contacts.
around a lot throughout the day,
regular travel patterns,
or at her food stall.
a six percent increase in repayment
that she communicated a lot
throughout the day
with more than 58 different contacts
to be good borrowers.
with 89 different individuals,
increase in her repayment.
of different data points
a person's creditworthiness.
ทางเครดิตของคน
of these different data points,
be found on a paper trail
and unpredictable on the surface
the capacity to repay.
over 200,000 loans in Kenya
ขอกู้เงินได้กว่า 200,000ราย ในเคนยา
are above 90 percent --
with traditional bank repayment rates.
as a credit score,
to build their own futures.
their loans for family expenses,
เพื่อเป็นค่าใช้จ่ายภายในครอบครัว
into growing their businesses.
economies and communities
of using our product,
her savings by 60 percent.
two additional food stalls
for her own restaurant.
from a commercial bank,
to prove she deserves it.
เมื่อสัปดาห์ที่แล้ว
she was to get started.
ที่จะได้เริ่มต้นธุรกิจ
I didn't think this was for me."
แม้ว่าฉันจะไม่เคยเชื่อในตัวเองเลยก็ตาม"
of the world that was closed off to her.
เธอจากโลกภายนอก
the world to Jenipher
that deserve to be trusted.
ที่สมควรได้รับเครดิต
ABOUT THE SPEAKER
Shivani Siroya - Mobile finance entrepreneurShivani Siroya created a tool that allows anyone with a cell phone to build a financial track record.
Why you should listen
Shivani Siroya is the CEO & Founder of Tala, a company that facilitates financial access to small businesses owners around the world by providing mobile financial tracking tools and direct flexible financing in order to help these businesses and their communities lift themselves out of poverty. She was selected as a TED Fellow in 2013.
Siroya has a wide array of professional experiences in global health, micro-finance and investment banking. Prior to Tala, she worked health costing at UNFPA and Mergers & Acquisitions at Health Net and Citigroup.
Siroya is a 2011 Echoing Green Fellow and 2011Unreasonable Institute Fellow. She is also a blogger for the Huffington Post and has written on Microfinance 2.0 as well as small business growth in the U.S. She is also on the board of ReWork and Young Women Social Entrepreneurs.
Siroya holds a M.P.H in Health Economics and International Policy from Columbia University and a B.A. in International Relations from Wesleyan University.
Shivani Siroya | Speaker | TED.com