Lender Standards

Lender Code of Conduct

Effective date: 22 April 2026

This code sets the expected professional and ethical standard for lenders operating on Mpola.

Core Rules

Assess borrower applications fairly and consistently using documented criteria.
Disclose interest rates, fees, and repayment obligations transparently before commitment.
Avoid predatory, discriminatory, deceptive, or abusive lending practices.
Use borrower data only for authorized underwriting and servicing purposes.
Follow applicable regulation, compliance duties, and dispute handling procedures.
Maintain respectful communication throughout application, servicing, and recovery interactions.

Material violations may result in restrictions, suspension, permanent removal from Mpola, and where required, escalation to appropriate regulators or authorities.