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In Perpetual Debt in the Silicon Savannah, they mention a type of reputational collateral employed by Safaricom. Explain what this is, and how it differs

In Perpetual Debt in the Silicon Savannah, they mention a type of \"reputational collateral" employed by Safaricom. Explain what this is, and how it differs from other kinds of collateral including the social collateral employed by the traditional microlending schemes, How is this related to the "all data is credit data\" belief mentioned earlier in the piece

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