Insights

Commentary on credit, capital, and risk.

Original opinion writing on credit risk, project finance, emerging markets, and policy, grounded in the same models and research behind the work on this site.

JUN 19
2026

Kenya's Finance Bill 2026: The Real Story Isn't the Tax Rates, It's the Pattern

A balanced look at Kenya's Finance Bill 2026, citing IEA Kenya's structural critique, and why tax policy volatility matters more for business and employment than any single rate.

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MAY 3
2026

The Real Constraint on African Private Credit Isn't Credit Risk. It's Currency Risk.

Why currency mismatch, not weak underwriting, is the binding constraint on mobilizing private capital into African markets, and how TCX and local-currency bonds are responding.

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MAR 17
2026

Why the DSCR Number Mattered More Than the IRR

A project finance case study on why lenders and sponsors are underwriting the same model for two different answers, and why the coverage ratio matters more than the return.

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JAN 2
2026

The Credit Score Obsession Is Costing Emerging Markets Growth

Why collateral and contract design carry more underwriting signal than credit history in thin-file markets, and what that means for lenders extending credit in Africa.

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