Zimbabwe - Startup under 3 years old

Décrivez votre projet en quelques mots

Credspace is a cutting-edge fintech platform that expands access to credit, promoting financial inclusion and empowerment. By harnessing innovative technology, Credspace bridges the financial gap, providing affordable and seamless credit solutions.

01.01 Décrivez votre startup en détail

Credspace is a revolutionary fintech company that leverages cutting-edge technology to provide accessible and affordable credit solutions, bridging the financial gap for individuals and businesses. Our innovative platform empowers financial inclusion, providing seamless loan applications and approvals, recognizing that everyone deserves equal financial opportunities. We also facilitate the buying of products on credit in our merchant stores, enabling people to purchase desired products in a single transaction, hassle-free and without worrying about payment. Our goal is to make credit a seamless form of payment, fostering economic growth and prosperity. By combining innovation, inclusion, affordability, and empowerment, Credspace is reshaping the future of credit and financial services, making it easier for people to achieve their goals and improve their lives.

01.02 Quel est le problème principal que vous essayez de résoudre ?

Credspace tackles the pervasive problem of limited access to credit and financial inclusion in emerging markets, where individuals and businesses face financial exclusion, exorbitant interest rates, cash-based economies, limited purchasing power, and inefficient payment systems. By providing instant loan applications and approvals, affordable interest rates, digital payment solutions, and increased purchasing power, Credspace addresses these challenges, promoting financial inclusion, economic growth, and improved well-being. Through its innovative platform, Credspace empowers individuals and businesses to access credit, purchase necessary goods and services, and make transactions efficiently, ultimately bridging the financial gap and fostering a more inclusive and prosperous financial ecosystem.

01.03 Dites-nous quels sont les principaux avantages et/ou bénéfices de l'utilisation du produit/service fourni par votre startup (au moins 3).

By utilizing Credspace services, individuals and businesses can enjoy numerous benefits, including enhanced financial inclusion, improved credit accessibility and streamlined payment processes. With Credspace, users can access affordable credit solutions, instant loan applications and flexible repayment terms, empowering them to achieve financial stability and growth. Additionally, Credspace's digital platform facilitates efficient transactions, reducing the need for cash and minimizing the risk of fraud. Furthermore, Credspace's credit solutions enable individuals and businesses to purchase goods and services they need, boosting economic activity and promoting financial prosperity. Overall, Credspace's innovative services bridge the financial gap, fostering a more inclusive and sustainable financial ecosystem for all.

01.04 Veuillez décrire précisément à qui s'adresse le produit/service de votre startup. Quels sont les bénéficiaires visés ?

Credspace is dedicated to serving individuals and businesses in emerging markets who have been historically excluded from traditional credit channels. Our target beneficiaries include low-income individuals, small to medium enterprises, informal sector workers, and small-scale farmers. We also prioritize unbanked and underbanked populations, including those in rural or remote areas, as well as women and youth entrepreneurs who face additional barriers to accessing credit. By providing accessible and affordable credit solutions, we aim to empower these groups to achieve financial stability, grow their businesses, and improve their overall well-being. By doing so, we seek to promote financial inclusion, economic empowerment, and poverty reduction in emerging markets, ultimately contributing to a more equitable and prosperous financial ecosystem for all.

01.05 Quand votre entreprise a-t-elle été créée ?

08/02/2024

01.06 Vendez-vous déjà votre produit/service ?

Oui

01.07 Combien y a-t-il de propriétaires de votre entreprise en plus de vous ?

2

01.08 Parmi les autres propriétaires, combien sont des femmes ?

1

01.09 Veuillez décrire le profil des autres propriétaires de votre startup (compétences, expérience, etc.).

Tatenda as the CTO and software developer at Credspace, brings a wealth of expertise in fintech and remittance solutions. With extensive experience in developing and implementing cutting-edge financial technologies, Tatenda possesses a deep understanding of the intricacies of digital payments, credit systems, and mobile money platforms. His proficiency in programming languages such as Python, and JavaScript enables him to craft innovative solutions that drive efficiency and scalability. Tatenda's expertise in cloud computing, data analytics and cybersecurity ensures the integrity and reliability of Credspace's systems. His passion for harnessing technology to enhance financial inclusion and his extensive knowledge of the fintech landscape make him a valuable asset to the Credspace team, driving the company's mission to revolutionize access to credit and financial services in emerging markets.

01.10 Si vous avez un site web, une page sur les médias sociaux (Facebook, Instagram, Linkedin...) ou une application, veuillez fournir le(s) lien(s) ici :

https://wa.me/message/D7UA54ZW3ABGK1 Facebook:

01.11 Quel est le secteur d'activité qui décrit le mieux votre entreprise ?

Services financiers

02.01.01 Ma startup contribue à l'objectif 'Pas de pauvreté'

7 - tout à fait d'accord

02.01.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of No Poverty (SDG 1) by providing financial inclusion, economic empowerment, job creation, increased access to education and healthcare and reducing vulnerability. By offering affordable credit solutions, Credspace enables individuals and businesses to invest in income-generating activities, improving economic stability and prospects. This support for small to medium enterprises (SMEs) and entrepreneurs helps create jobs stimulating local economies and reducing poverty. Additionally, Credspace's credit solutions help individuals and families access essential services like education and healthcare, breaking the poverty cycle. By building resilience to economic shocks, Credspace reduces vulnerability, promoting economic growth and aligning with the United Nations' goal of eradicating poverty.

02.02.01 Ma startup contribue à l'objectif 'Faim Zéro'

7 - tout à fait d'accord

02.02.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Zero Hunger (SDG 2) by providing credit solutions that support sustainable agriculture, food security, and rural development. By offering financing for small-scale farmers, agricultural entrepreneurs nd SMEs, Credspace enables increased food production, improved access to markets and resources, and promotes sustainable agriculture practices. Additionally, Credspace empowers women and youth farmers, promoting gender equality and youth engagement in agriculture. By facilitating access to financial services and markets for rural communities, Credspace helps reduce poverty and hunger, aligning with the United Nations' goal of ending hunger, achieving food security and promoting sustainable agriculture.

02.03.01 Ma startup contribue à l'objectif 'Bonne Santé et Bien Être'

7 - tout à fait d'accord

02.03.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Good Health and Well-being (SDG 3) by providing credit solutions that enable individuals and families to access essential healthcare services, medications, and health-related expenses. By offering financing options for healthcare providers and facilities, Credspace supports the development of quality healthcare infrastructure and services, particularly in underserved communities. This helps reduce financial barriers to healthcare, improve health outcomes, and promote well-being for all ages, aligning with the United Nations' goal of ensuring healthy lives and promoting well-being for all.

02.04.01 Ma startup contribue à l'objectif 'Éducation de Qualité'

7 - tout à fait d'accord

02.04.02 Justification de la contribution de ma startup

Credspace supports the United Nations' Sustainable Development Goal (SDG) of Quality Education (SDG 4) by providing affordable credit solutions for education-related expenses, enabling individuals to access quality education and lifelong learning opportunities. By financing educational institutions and projects, Credspace helps improve education infrastructure and resources, promoting inclusive and equitable access to quality education for all. This support empowers individuals to acquire knowledge, skills, and competencies, fostering personal growth, economic development, and societal progress, aligning with the United Nations' goal of ensuring inclusive and equitable quality education for all.

02.05.01 Ma startup contribue à l'objectif 'Égalité entre les Sexes'

7 - tout à fait d'accord

02.05.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Gender Equality (SDG 5) by providing financial inclusion and empowerment opportunities for women and girls. By offering credit solutions and financial services, Credspace enables women to access capital, start or expand businesses, and improve their economic stability and independence. This support helps reduce gender disparities, promotes equal access to education and economic opportunities, and empowers women and girls to exercise their rights and reach their full potential, aligning with the United Nations' goal of achieving gender equality and empowering all women and girls.

02.06.01 Ma startup contribue à l'objectif 'Eau Propre et Assainissement'

2

02.06.02 Justification de la contribution de ma startup

02.07.01 Ma startup contribue à l'objectif 'Énergie Propre et Abordable'

7 - tout à fait d'accord

02.07.02 Justification de la contribution de ma startup

Credspace supports the United Nations' Sustainable Development Goal (SDG) of Affordable and Clean Energy (SDG 7) by providing financing solutions for individuals, businesses, and communities to access modern and sustainable energy sources. By offering credit for renewable energy projects, energy-efficient technologies, and clean cooking solutions, Credspace helps reduce energy poverty, promotes sustainable energy access, and mitigates climate change. This support enables households, businesses, and communities to benefit from reliable, affordable, and clean energy, aligning with the United Nations' goal of ensuring access to sustainable energy for all.

02.08.01 Ma startup contribue à l'objectif 'Travail Décent et Croissance Économique'

7 - tout à fait d'accord

02.08.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Decent Work and Economic Growth (SDG 8) by providing access to financial services and credit solutions that support entrepreneurship, job creation, and economic development. By financing small to medium-sized enterprises (SMEs), microenterprises, and individuals, Credspace enables them to invest in income-generating activities, expand their businesses, and create decent jobs. This support promotes sustained, inclusive, and sustainable economic growth, reduces unemployment, and fosters productive employment opportunities, aligning with the United Nations' goal of promoting economic growth and decent work for all.

02.09.01 Ma startup contribue à l'objectif 'Industrie, Innovation et Infrastructure'

7 - tout à fait d'accord

02.09.02 Justification de la contribution de ma startup

Credspace supports the United Nations' Sustainable Development Goal (SDG) of Industry, Innovation, and Infrastructure (SDG 9) by providing financing solutions that promote sustainable infrastructure development, industrialization, and innovation. By offering credit for infrastructure projects, technology upgrades, and research and development, Credspace enables businesses and entrepreneurs to adopt innovative technologies, improve efficiency, and reduce environmental impact. This support fosters inclusive and sustainable industrialization, bridges the infrastructure gap, and drives economic growth, aligning with the United Nations' goal of building resilient infrastructure, promoting sustainable industrialization, and fostering innovation.

02.10.01 Ma startup contribue à l'objectif 'Réduction des Inégalités'

7 - tout à fait d'accord

02.10.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Reduced Inequalities (SDG 10) by providing financial inclusion and empowerment opportunities for marginalized and underserved groups. By offering tailored credit solutions and financial services, Credspace helps bridge the financial gap for low-income individuals, women, youth, and minority groups, promoting equal access to economic opportunities and resources. This support reduces income and social inequalities, fosters economic mobility, and promotes inclusive growth, aligning with the United Nations' goal of reducing inequalities within and among countries.

02.11.01 Ma startup contribue à l'objectif 'Villes et Communautés Durables'

7 - tout à fait d'accord

02.11.02 Justification de la contribution de ma startup

Credspace supports the United Nations' Sustainable Development Goal (SDG) of Sustainable Cities and Communities (SDG 11) by providing financing solutions that promote urban development, infrastructure, and community growth. By offering credit for affordable housing, urban infrastructure, and community development projects, Credspace helps create inclusive, safe, resilient, and sustainable cities and human settlements. This support enables access to basic services, green spaces, and transportation, improving the quality of life for urban residents, reducing urban poverty, and fostering sustainable urbanization, aligning with the United Nations' goal of making cities and human settlements inclusive, safe, resilient, and sustainable.

02.12.01 Ma startup contribue à l'objectif 'Consommation et Production Responsables'

7 - tout à fait d'accord

02.12.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Responsible Consumption and Production (SDG 12) by promoting sustainable consumption and production patterns through financing solutions that support circular economy practices. By offering credit for sustainable agriculture, renewable energy, and eco-friendly infrastructure projects, Credspace encourages the efficient use of resources, reduces waste, and promotes sustainable consumption and production practices. This support helps decouple economic growth from environmental degradation, promotes sustainable supply chains, and fosters a circular economy, aligning with the United Nations' goal of ensuring sustainable consumption and production patterns.

02.13.01 Ma startup contribue à l'objectif 'Lutte contre les Changements Climatiques'

7 - tout à fait d'accord

02.13.02 Justification de la contribution de ma startup

Credspace supports the United Nations' Sustainable Development Goal (SDG) of Climate Action (SDG 13) by providing financing solutions that address climate change mitigation and adaptation efforts. By offering credit for renewable energy projects, energy efficiency upgrades, and climate-resilient infrastructure development, Credspace helps reduce greenhouse gas emissions, promotes sustainable land use, and supports climate change adaptation and resilience. This support enables individuals, businesses, and communities to transition to a low-carbon economy, adapt to the impacts of climate change, and aligns with the United Nations' goal of taking urgent action to combat climate change and its impacts.

02.14.01 Ma startup contribue à l'objectif 'Vie Sous-Marine'

1 - pas du tout d'accord

02.14.02 Justification de la contribution de ma startup

02.15.01 Ma startup contribue à l'objectif 'Vie Terrestre'

1 -pas du tout d'accord

02.15.02 Justification de la contribution de ma startup

02.16.01 Ma startup contribue à l'objectif 'Paix, Justice et Institutions Efficaces'

7 - tout à fait d'accord

02.16.02 Justification de la contribution de ma startup

Credspace contributes to the United Nations' Sustainable Development Goal (SDG) of Peace, Justice, and Strong Institutions (SDG 16) by providing financing solutions that support peaceful and inclusive societies, access to justice, and strong institutional frameworks. By offering credit for justice infrastructure development, legal aid services, and institutional capacity-building projects, Credspace helps promote the rule of law, reduce corruption, and increase access to justice for all. This support fosters peaceful and inclusive societies, builds trust in institutions, and promotes sustainable development, aligning with the United Nations' goal of promoting peace, justice, and strong institutions at all levels.

02.17.01 Ma startup contribue à l'objectif 'Parteneriats pour la Réalisation des Objectifs'

1 - pas du tout d'accord

02.17.02 Justification de la contribution de ma startup

06.01 Un grand nombre de clients utilisent déjà un produit/service très similaire au nôtre.

7 = Tout à fait d'accord

06.02 Notre produit/service représente un type de produit/service entièrement nouveau

7 - Tout à fait d'accord

06.03 Notre produit/service pourrait être décrit comme une nouvelle technologie

7 - Tout à fait d'accord

06.04 Notre produit/service est une amélioration d'un produit ou d'un service existant

7 - Tout à fait d'accord

06.05 Notre produit/service pourrait être décrit comme une extension d'une gamme de produits ou de services

7 - Tout à fait d'accord

06.06 Notre produit/service répond à une demande ou à un besoin qui n'a pas été satisfait par d'autres produits/services.

7 - Tout à fait d'accord

06.07 Notre produit/service est une nouvelle version d'un ancien produit/service

7 - Tout à fait d'accord

06.08 Justification

Credspace's innovative approach lies in its Buy Now Pay Later feature with zero interest at retail pricing, making financial services accessible and affordable for SMEs and individuals. Our technology is designed to be user-friendly and close to the people, utilizing a WhatsApp chatbot for SMEs to generate financial statements and manage their finances effectively. This chatbot simplifies financial management, reducing barriers to entry for SMEs. Our solution is a new version of traditional financial services, improved to meet the needs of SMEs. By leveraging technology and innovative financing models, Credspace addresses a previously unsatisfied demand, providing a unique and innovative solution in the financial services landscape."

06.09 Analyse compétitive

Our main potential competitors are traditional financial institutions, fintech companies, and payment platforms. What sets Credspace apart is our commitment to financial inclusion, innovative technology, and customer-centric approach. We offer a unique Buy Now Pay Later feature with zero interest at retail pricing, making financial services accessible and affordable for SMEs and Individuals. Our WhatsApp chatbot for financial management and loan applications simplifies the process, reducing barriers to entry. Our focus on SMEs and personal loans and commitment to innovation distinguishes us from traditional players, while our user-friendly technology and competitive pricing sets us apart from fintech companies and payment platforms.

11.05 Menez-vous des actions au sein de votre communauté pour promouvoir le rôle des femmes entrepreneurs ?