Shivani Siroya

Ashoka Fellow
Santa Monica, California, United States
Fellow Since 2013


This profile was prepared when Shivani Siroya was elected to the Ashoka Fellowship in 2013.
Shivani Siroya is creating a simple yet powerful tool to develop real-time credit scores that helps lenders better estimate micro-borrowers’ creditworthiness and lend at more comfortable terms. Shivani has taken her tool beyond micro-loans and has started to help urban lower- and middle-class entrepreneurs in the informal sector and their families access other projects, such as affordable housing.
The New Idea
The Problem
The Strategy
The Person

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