This kind of initiative is not supposed to be accessible to many Nigerians because intentionally people will just get the app and take a non refundable loan, enjoy themselves with the money without any intention of paying back...who then is in loss? Lol
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It's not really an initiative, I was trying to write about loan apps and credit score. The reason why it's problematic to not have credit score in a country where loan apps are thriving make establishing their stance.