Kosh

Kosh operates as a digital lending platform specifically designed for the Indian market. Their innovative approach focuses on providing financial access to blue-collar workers through a modernized joint liability model, reminiscent of traditional microfinance but tailored to a distinct demographic. By incorporating a social element into their underwriting process, Kosh effectively mitigates credit risk while simultaneously reducing customer acquisition costs and operational expenses. This strategy unlocks the creditworthiness of a substantial segment comprising approximately 150 million individuals, fostering financial inclusion and economic empowerment.