The standard LitFin Intelligence holds a file to was shaped by two careers: close to three decades in banking at one of Tanzania's largest banks, and four decades in agricultural production. The first teaches whether a borrower can repay. The second teaches whether there will be a harvest to repay from. An agricultural file needs both.
Neither is learned quickly, and neither can be in every place at once. That is why the aim is to put the judgement beside each person a season depends on.
Today it works on the lender's side. Being built, and not live yet, is the same judgement beside:
- ●The farmer, and the person who wants to become one
- ●The farmers' group
- ●The village-based agronomist, who advises farmers and verifies the chain on the ground
- ●The buyer who takes the crop
- ●The insurer and the guarantor
Mwikila, LitFin Intelligence's AI Senior Agriculture & Finance Consultant, applies that standard when he reads a file. The decision stays with a person.