Shivani Siroya

Ashoka Fellow
India
Fellow Since 2013

Citation

This profile was prepared when Shivani Siroya was elected to the Ashoka Fellowship in 2013.
Introduction
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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