Nathalia Franco

Assistant professor of the Faculty of Administration at Universidad de Los Andes.



Codensa: Easy Credit for All


This case describes how Codensa, an electricity company in Bogotá and Cundinamarca (Colombia), developed an easy-access consumer credit business model for low-income populations leveraged by the cost structure of its core business. Codensa offered consumer credit to low income populations through the Codensa Hogar business unit, by linking together a value chain of large retailers […]

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