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A B2B social credit scoring platform for Kenyan lenders that uses verified backers and shared liability to generate PEMiG Scores for youth and thin-file borrowers.

PEMiG is a B2B SaaS social credit scoring platform for financial institutions in Kenya that want to approve more thin-file borrowers, especially youth and first-time applicants, without relying only on traditional CRB history.
Key capabilities include:
Available on Web with a borrower and backer web app at app.pemigloans.co.ke.
PEMiG targets SACCOs, MFIs, digital lenders, and progressive banks in Kenya that serve youth (18–35) and other applicants with limited credit histories.
Notable in the Kenyan market context, the platform positions social backing as an additional underwriting signal to expand access to credit for thin-file borrowers; it reports pilot results across SACCO partners including a 2.5x increase in approvals and a default-rate reduction from 43% to 19%.
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