Shivani Siroya: A smart loan for people with no credit history (yet)
席瓦妮.斯洛亞: 為尚未擁有信用記錄的人而生的智慧貸款
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.
從印度來到美國。
come to see her for health services,
街坊鄰居提供健康服務,
with her at the grocery store
遇到病人──在雜貨店
and pay her right on the spot
and their health.
because she trusted them.
going to lend to a stranger
不會借錢給陌生人,
something about them.
and other financial institutions
of our public consumer credit data.
pretty much easy access
and services that we need,
around the world
public records on them --
to the credit or financial products
for these 2.5 billion.
using mobile data.
來創造他們的信用積分。
smartphones in emerging markets.
有超過 10 億支智慧型手機。
the same way that we do.
they're looking up directions,
financial transactions.
captured on our phones,
被擷取、紀錄下來,
of a person's life.
一個人生活的樣貌。
through our mobile application.
the creditworthiness
a small-business owner in Nairobi, Kenya.
一位在肯亞奈洛比的小企業主。
has been running a food stall
都經營著一家食物攤,
through vocational school,
of her local chama,
to cover her expenses.
into growing her business.
her options are limited.
that could help vouch for her credibility.
來做她的保證人。
would be way too small
that are well above 300 percent,
collateral or a credit history,
抵押品或信用記錄,
and ask for a business loan.
to download our application
下載了我們的應用程式
questions on her phone
key data points on her device.
一些手機上的關鍵資料。
and no previous loan history.
沒有過往的借貸紀錄。
a red flag to a traditional bank.
in her history that showed us
phone calls to her family in Uganda.
給在烏干達的家人。
communicate with a few close contacts.
有持續性的聯絡。
around a lot throughout the day,
regular travel patterns,
or at her food stall.
a six percent increase in repayment
還款機率將有 6% 的提升──
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.
深入瞭解一個人的信譽。
of these different data points,
be found on a paper trail
and unpredictable on the surface
放款風險高、難以預測,
the capacity to repay.
over 200,000 loans in Kenya
在肯亞釋放出 200,000 份貸款──
are above 90 percent --
with traditional bank repayment rates.
as a credit score,
to build their own futures.
their loans for family expenses,
拿來支付家庭開銷、
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.
信用記錄證明她具備資格。
she was to get started.
I didn't think this was for me."
我不敢相信這一切屬於我。」
of the world that was closed off to her.
the world to Jenipher
that deserve to be trusted.
敞開世界的大門。
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