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Core values

- **Financial Inclusion**: Tala provides access to financial services for the unbanked, with 36 million Filipino adults remaining unbanked as of 2022. This inclusion helps in reducing financial stress and improving financial management[1][4][5].
- **Quality of Life Improvement**: 81% of borrowers reported an improvement in their quality of life, with specific benefits such as improved access to finance, better affordability of household expenses, and the ability to face emergency expenses[1][5].
- **Financial Management and Stress Reduction**: About 45% of respondents increased their savings, 69% reduced their financial stress, and 89% improved their financial management skills[1][5].
- **Impact on Women**: 70% of female borrowers reported an increase in their influence on household decision-making, and 86% experienced increased self-confidence[1].
- **Community Well-being**: Tala’s services help borrowers start or expand small businesses, purchase essential goods, and cope with unforeseen expenses, contributing to overall community well-being[2][4].