An officer carrying a large book of small loans often forms a judgement on each from a single field visit. The evidence is whatever the farmer and the group had: a handwritten ledger, a receipt, a photograph of a page.
A thin file is not the real problem. A thin file whose gaps nobody has written down is. LitFin Intelligence reads the file as it is, photographed pages included, and names the pages it could not read. The appraisal says which evidence mattered and why, in plain language. The questions the file raises become the agenda for the next visit, so the officer collects what is missing instead of repeating what is already there.
Practice between visits
Training sits in the same gaps. An officer can rehearse an appraisal interview, walk an application from the borrower's side, and return to the lessons where the practice showed a weakness. Today all of it is available in English and Swahili. LitFin Intelligence does not approve or decline a loan and does not move money; the officer decides.