| Non-Banking Financial Services | Microenterprise and SME loans, personal loans, financial advisory, and ancillary services. | Established client relationships and niche lending expertise; limited by scale and regulatory challenges. | Primarily micro and small businesses and individual borrowers (B2B and B2C). | Personal and SME loans with higher interest spreads. | 0 | 100 | Interest income from loans and fees from advisory services. | Interest-based recurring revenue; loan pricing dependent on risk and tenure. | Rising demand for micro and SME credit, favorable economic conditions, and focused lending strategies. | |
