The Excluded
Overview
They lack digital wallets or measurable reputations. Without digital reputations, they are forced to survive on daily wages without the ability to save, becoming prey to digital loan sharks. They are a reminder of the growing inequality beneath the surface.
Monthly Income
+
4.000.000
Recurring Expenses & Insurance
–
2.800.000
Loans
1.200.000
–
Remaining Monthly Income
+
0
Asset Portfolio
- 49 million
Assets
1 million
Balance in a regular digital wallet
Smartphone over 5 years old
Investments
0 million
None
Debts
(50 million)
Accumulated debt, interest, and fines from dozens of illegal loan apps
Loans from loan sharks, friends, and/or relativesInformal online loans with high interest rates
Source of Income
Work today, live today
A segment of the economy that operates entirely outside of formal structures. Survival depends on precarious daily cash work.
Property Loan
None
Owning assets is a fantasy completely out of reach. They are perpetual renters in the lowest-quality housing.
Productive Loan
None
They do not have access to fair loans for business capital or to purchase tools. This is a major reason why they remain trapped in low-wage jobs.
Consumptive Loan
The core of their financial life
Loyal online lenders. Not for lifestyle, but for the most basic needs: paying rent, buying groceries, or paying off other debts that are coming due.
© 2025 Somia Customer Experience. All rights reserved.
The Excluded
Overview
They lack digital wallets or measurable reputations. Without digital reputations, they are forced to survive on daily wages without the ability to save, becoming prey to digital loan sharks. They are a reminder of the growing inequality beneath the surface.
Monthly Income
+
4.000.000
Recurring Expenses & Insurance
–
2.800.000
Loans
1.200.000
–
Remaining Monthly Income
+
0
Asset Portfolio
- 49 million
Assets
1 million
Balance in a regular digital wallet
Smartphone over 5 years old
Investments
0 million
None
Debts
(50 million)
Accumulated debt, interest, and fines from dozens of illegal loan apps
Loans from loan sharks, friends, and/or relativesInformal online loans with high interest rates
Source of Income
Work today, live today
A segment of the economy that operates entirely outside of formal structures. Survival depends on precarious daily cash work.
Property Loan
None
Owning assets is a fantasy completely out of reach. They are perpetual renters in the lowest-quality housing.
Productive Loan
None
They do not have access to fair loans for business capital or to purchase tools. This is a major reason why they remain trapped in low-wage jobs.
Consumptive Loan
The core of their financial life
Loyal online lenders. Not for lifestyle, but for the most basic needs: paying rent, buying groceries, or paying off other debts that are coming due.
© 2025 Somia Customer Experience. All rights reserved.