{
 "id": "p2026-09-06-229",
 "received": "2026-09-06T10:20:12-04:00",
 "proposer": "researcher (opus), brief 2026-09-06 second harvest, china-india-africa-latam",
 "kind": "remedy",
 "sha": "5cfa51ad9728bd41",
 "data": {
  "kind": "remedy",
  "on_tech": "kenya-digital-credit-scoring",
  "on": "millions of mobile digital borrowers blacklisted with credit reference bureaus over small defaults",
  "name": "Central Bank of Kenya Credit Repair Framework",
  "from": "2022-11-14",
  "region": "other:Kenya",
  "people": {
   "n": 4200000,
   "unit": "mobile phone digital borrowers adversely listed with CRBs",
   "date": "2022-11-14"
  },
  "effect": {
   "n": 50,
   "unit": "percent",
   "date": "2022-11-14",
   "what": "at least a 50% discount on the outstanding non-performing mobile digital loan and the borrower's credit standing updated from non-performing to performing, on about Ksh.30 billion of loans"
  },
  "statistic": "CBK's Credit Repair Framework, announced 14 November 2022 and expiring 31 May 2023, required banks and microfinance banks to discount at least 50% of non-performing mobile digital loans outstanding at end-October 2022 (about Ksh.30 billion) and restore the borrower's credit standing. CBK anticipated over 4.2 million adversely listed borrowers would be able to repair their standing - that is CBK's anticipated coverage, not a measured count reached. The footnote records a completed earlier action: unregulated digital lenders' borrowers were expunged from the CRBs in April 2020.",
  "source": "https://www.centralbank.go.ke/uploads/press_releases/318500544_Press%20Release%20-%20Credit%20Repair%20Framework.pdf",
  "quote": "the Framework will enable over 4.2 million mobile phone digital borrowers, adversely listed with CRBs",
  "source_kind": "primary"
 },
 "from_file": "impacts/harvest/2026-09-06-china-india-africa-latam.md"
}