Female entrepreneurs default less on loans than men — Moniepoint

Moniepoint's 2025 Impact Report reveals female entrepreneurs make loan repayments 2.5 times more consistently than male business owners. Women-led enterprises received a record level of financing, with loans increased by over 300% in 2025. This brought female businesses to 36% of Moniepoint's total disbursed credit, surpassing the industry average of 16-25%.

Majority of female business owners received their first formal loan through the platform. Three-quarters of merchants benefiting from the credit were first-time borrowers entering the formal credit system. Improved repayment rates and business stability were observed among female-led businesses, resulting in a positive macroeconomic impact.

Over $700 million in credit was disbursed to MSMEs in 2025, leading to a 36% increase in transaction value for merchants. 86% reported higher earnings, and 88% confirmed business expansion. The repayment metrics among female borrowers, coupled with rapid growth in Moniepoint's retail and commercial channels, indicate a substantial effect on employment and community welfare. Moniepoint processed over $250 billion in transaction volume and supported employment for over eight million people in 2025.