The Excluded
Overview
Digital financial systems don't exist for this group. Too poor for the gig economy, they survive in the most basic forms of the informal economy. Their debts come from loan sharks who threaten them physically, leaving them at the bottom of the heap of despair.
Monthly Income
+
1.500.000
Recurring Expenses & Insurance
–
1.350.000
Loans
250.000
–
Remaining Monthly Income
–
100.000
Asset Portfolio
- 1,5 million
Assets
0,5 million
Assembled work equipment
Furniture made from used goods
Cash
Investments
0 million
There isn't any
Debts
2 million
Loan to loan shark for work equipment
Loan to food stall
Source of Income
Bartering is the solution
Cut off from the formal system where paper money no longer circulates. Daily income comes from physical labor, scavenging, or direct barter.
Property Loan
What property?
Assets are not purchased, but rather found. They’re made from used goods or obtained through barter.
Productive Loan
Work enabler
Usually for small things, like buying new sacks for scavenging. The loan product isn't digital, but rather utilizes local wisdom: loan sharks. Loans are based on personal relationships and secured by physical threats, not credit scores.
Consumptive Loan
A lifeline
In a world full of injustice, trust is the primary basis for their loans. There are two main sources: local loan sharks and "cash advances" at food stalls.
© 2025 Somia Customer Experience. All rights reserved.
The Excluded
Overview
Digital financial systems don't exist for this group. Too poor for the gig economy, they survive in the most basic forms of the informal economy. Their debts come from loan sharks who threaten them physically, leaving them at the bottom of the heap of despair.
Monthly Income
+
1.500.000
Recurring Expenses & Insurance
–
1.350.000
Loans
250.000
–
Remaining Monthly Income
–
100.000
Asset Portfolio
- 1,5 million
Assets
0,5 million
Assembled work equipment
Furniture made from used goods
Cash
Investments
0 million
There isn't any
Debts
2 million
Loan to loan shark for work equipment
Loan to food stall
Source of Income
Bartering is the solution
Cut off from the formal system where paper money no longer circulates. Daily income comes from physical labor, scavenging, or direct barter.
Property Loan
What property?
Assets are not purchased, but rather found. They’re made from used goods or obtained through barter.
Productive Loan
Work enabler
Usually for small things, like buying new sacks for scavenging. The loan product isn't digital, but rather utilizes local wisdom: loan sharks. Loans are based on personal relationships and secured by physical threats, not credit scores.
Consumptive Loan
A lifeline
In a world full of injustice, trust is the primary basis for their loans. There are two main sources: local loan sharks and "cash advances" at food stalls.
© 2025 Somia Customer Experience. All rights reserved.