Submitted · Afreximbank–Edordu Research Competition 2026 (submitted) · 2026
From Ajo to AfCFTA: An Alternative Credit Signal for Africa's Informal Economy
A. A. Olagunju
Abstract
A three-signal alternative credit framework for apprentice-trained youth in Africa's informal economy — combining digitised ajo/esusu contributions, apprenticeship verification, and transaction history to widen access to formal credit.
Keywords
digital financial inclusioninformal economycredit scoringAfCFTAajoesusu
PDF / DOI to be added once the record is finalised.
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