Micro‑lending traditionally targets the “M‑tier” (monthly income < $1,000). The “K‑tier” (annual income < $4,000) remains under‑served due to perceived high default risk and lack of formal credit histories (UNDP, 2022). Recent platforms (e.g., , M‑Fund ) have experimented with alternative data (mobile usage, social network signals) to extend credit (Rossi & Patel, 2023).
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