Sabine Spohn

Principal Investment Specialist, Private Sector Operations Department, ADB

Sabine works in ADB’s Private Sector Financial Institutions Division and is part of the microfinance program, based out of Georgia. She also manages the Women’s Finance Exchange. Sabine holds a PhD in Development Studies from the University of Melbourne. Connect with Sabine via Linkedin.

Women running small businesses in Asia face unique challenges in getting credit to obtain loans. Photo: ADB

In Asia, We Need to Calculate Credit Scores Differently to Help Women Get Loans

A great credit score is crucial to secure loans. But traditional credit scoring models put many women at a disadvantage. It’s time for a new model.

Dean Caire, Sabine Spohn

Lacking steady incomes, poor people need multiple funding sources to make ends meet.

Over-Indebtedness – The Flip Side of Financial Inclusion

To help microfinance clients borrow the right amount, we need to improve their awareness and understanding of financial products.

Most clients wanted to keep on repaying their loans, and did not use demonetization as an excuse to default.

Demonetization Brought Out the Best in Indian Microfinance Clients

Events unfolded quite differently to expectations, and showed the poor's resilience.