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In the northern region of Diana, Madagascar, Karimo Angelo Abdallah has been a client of La Première Agence de MicroFinance (PAMF) since 2015. PAMF loans have helped him expand and improve his small businesses, and as a result, provide a better quality of life for his family. Karimo tells his loan officer that using M-Kajy – a new digital credit and savings service co-launched by PAMF and Orange Money – makes banking safer, easier and more reliable.