Give People Some Credit
WIRED|October 2018

ShivaniSiroyas app uses phone data to decide who gets a loan, giving untapped populations access to life-changing capital.

Jessi Hempel
Give People Some Credit

Melinda Gates knows that successful tech companies have a way of minting money. A computer scientist, she joined Microsoft, the company that her future husband cofounded, in 1987. She has spent the past two decades directing the riches her family accrued toward helping others through the Bill & Melinda Gates Foundation. More recently, she started her own firm, Pivotal Ventures, which helps women succeed in tech. In January, Gates traveled to Kenya, where she met Shivani Siroya, the founder of a startup that calculates its version of a credit score and grants small loans. Gates and Siroya share a belief that technology, paired with resources and creativity, can help generate wealth everywhere.

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