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Focusing on sustainability in decentralized financial systems, this book explores key elements such as definitions, credit application analysis, and credit risk management. It addresses the importance of guarantees and debt collection strategies to mitigate factors that threaten the integrity of financial portfolios. The discussion is particularly relevant for SFDs in Africa and aims to provide practical insights for improving their sustainability and effectiveness globally.

Focusing on the essentials of business creation, this book distills insights from courses in master administration and real-world experience as a credit analyst. It aims to equip aspiring entrepreneurs with the knowledge to generate business ideas and successfully implement them. The content outlines four crucial steps for launching a business, making it a practical guide for those looking to navigate the entrepreneurial landscape effectively.