The Excluded
Overview
This group is barred from accessing the modern financial system. Low credit scores due to unstable incomes prevent them from accessing formal loans. They rely on the informal economy for survival, where financial risk is a daily reality.
Monthly Income
+
5.000.000
Recurring Expenses & Insurance
–
4.000.000
Loans
500.000
–
Remaining Monthly Income
+
500.000
Asset Portfolio
- 14,5 million
Assets
21 million
Work equipment, such as laptops, cameras, or musical instruments.
Savings in a digital wallet.
Investments
0 million
Very small amounts of crypto assets
Debts
2 million
P2P Lending loans taken to purchase work equipment
Informal online loans with high interest rates
Source of Income
“Gig worker”
These freelance creatives and technicians have unstable incomes, entirely dependent on the success of short-term projects.
Property Loan
Unnecessary risks for banks
They will never be approved for asset purchase loans such as mortgages or car loans by formal financial institutions because they do not have a pay slip or a steady income.
Productive Loan
Via P2P and non-traditional
Peer-to-peer (P2P) loans or microloans from non-traditional financial institutions to purchase a new laptop or other essential work equipment. Occasionally, from friends.
Consumptive Loan
Very cautious
They know the risks are very high. If forced, they will use it, and it will be the biggest financial risk they've ever taken.
© 2025 Somia Customer Experience. All rights reserved.
The Excluded
Overview
This group is barred from accessing the modern financial system. Low credit scores due to unstable incomes prevent them from accessing formal loans. They rely on the informal economy for survival, where financial risk is a daily reality.
Monthly Income
+
5.000.000
Recurring Expenses & Insurance
–
4.000.000
Loans
500.000
–
Remaining Monthly Income
+
500.000
Asset Portfolio
- 14,5 million
Assets
21 million
Work equipment, such as laptops, cameras, or musical instruments.
Savings in a digital wallet.
Investments
0 million
Very small amounts of crypto assets
Debts
2 million
P2P Lending loans taken to purchase work equipment
Informal online loans with high interest rates
Source of Income
“Gig worker”
These freelance creatives and technicians have unstable incomes, entirely dependent on the success of short-term projects.
Property Loan
Unnecessary risks for banks
They will never be approved for asset purchase loans such as mortgages or car loans by formal financial institutions because they do not have a pay slip or a steady income.
Productive Loan
Via P2P and non-traditional
Peer-to-peer (P2P) loans or microloans from non-traditional financial institutions to purchase a new laptop or other essential work equipment. Occasionally, from friends.
Consumptive Loan
Very cautious
They know the risks are very high. If forced, they will use it, and it will be the biggest financial risk they've ever taken.
© 2025 Somia Customer Experience. All rights reserved.