Figure 16: Percentage of Delinquent Loan Contracts by Gender

the Credit Registry. In terms of gender distribution, male and female borrowers constituted 68.36% and 31.64% of loan contracts in the Credit

Registry, respectively.

86. Meanwhile, in the Credit Registry database 5.81% of loans granted to female borrowers were delinquent contracts which were 90 days past due within 12 months from the date of issuance, compared to male borrowers who had 6.16% of their loans in arrears, as shown in Figure 16.

Figure 16: Percentage of Delinquent Loan Contracts by Gender

Female 5.81%

Male 6.16%

4.00% 4.50% 5.00% 5.50% 6.00% 6.50%

Source: RBZ

Collateral Registry

87. Significant progress has been made towards the operationalisation of the

Collateral Registry. Following some delays occasioned by the Covid-19 pandemic, the Bank successfully conducted the first User Acceptance

Testing of the Collateral Registry in December 2021. The second and final testing session is now scheduled for January and February 2022 and shall involve banking institutions and microfinance institutions.