As a response to the needs of financial markets and banks in Africa, Bloomfield Investment proposes a rating system for borrower and bond certificate issuer credit risks. Bloomfield Investment's rating system shows the insolvency risk of companies, banks, public institutions or countries raising funds on the market or from banks. This enables to grade borrowers based on their credit risk, which is essential for the determination of interest margins – or risk premium – applied by lenders, whether these are banks or bond market investors. Therefore, Bloomfield Investment's approach meets the needs of both bond market investors and financial institutions. Bloomfield Investment different interventions - Credit Rating - Financial research and market intelligence - In house training and seminars - Publication of research