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Microloan as a tool for economic empowerment never really scaled. It solves a critical problem: cash shortage when you need to purchase daily essentials.
It's applicable for minimum-wage workers in the developed world; alms seekers and day-laborers in the developing world.
I've always imagined a mobile app that solves this need, along with other financial difficulties of the marginalized people in our society, or possibly even those in the middle-class who might have fallen into tough situations.
https://tala.co/ is a technology company that does something somewhat similar. They get access to mobile data, such as sms content — then apply machine learning on it to determine if a person is credit-worthy.
Thanks to https://dribbble.com/ferdauskabiremon for my Dribbble invite.
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