Webinar materials: Using Psychometrics for smallholder credit scoring

24 Jul 2017
Learning Lab
Juhudi Kilimo

As part of a Learning Lab Webinar series to highlight and showcase the work of our partners, Entrepreneurial Finance Lab (EFL) and Juhudi Kilimo – a Mastercard Foundation Fund for Rural Prosperity Winner – share key insights on using psychometrics for smallholder credit scoring.

Amie Vaccaro, Camille O'Sullivan, and Julia Reichelstein from the EFL team first explain the basics of psychometric credit scoring and share learnings from real world experiences. Elvin Walela from Juhudi Kilimo then closes the webinar with a concrete case study of Juhudi's lessons learned from integrating the EFL approach in their smallholder financing model. 

This blog includes webinar materials such as the presentation, recording, and responses to any questions that the panelists were unable to answer due to limited time. 

1. Webinar recording | 49 min

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Responsible agriculture finance for smallholder farmers in Tanzania and Uganda
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Responsible Agriculture Finance for Smallholder Farmers in Tanzania and Uganda

The MasterCard Foundation's Rural and Agricultural Finance team recently commissioned the Social Innovation Consulting Group to conduct primary research on input credit in Tanzania and Uganda. The research answers two key questions including: 

  1. What is input credit? Input credit is a financial product specifically designed for the purpose of purchasing inputs, such as fertilizers or seeds. Input credit can take the form of either cash or in-kind (ie: inputs are provided on credit and the farmer reimburses the provider after harvest).
  2. Why is the Foundation interested in input credit for smallholder farmers? Input credit products for farmers in Tanzania and Uganda are often much more complex in that they are ‘bundled’ with other compulsory services and fees. As a result, smallholder farmers may not fully understand the pricing structure and compulsory nature of bundled credit products, and may be taking on more risk than they can handle when engaging with providers of input credit. The objective of the study was to improve The MasterCard Foundaiton’s understanding of how agricultural finance can be delivered in a responsible way in line with the Client Protection Principles.
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TA Pulse

 Part 4 of ISF's and RAF Learning Lab's Pulse series draws insights from the evolving Technical Assistance (TA) landscape in agricultural finance. 

In 2013 the Initiative for Smallholder Finance (ISF) developed a first of its kind global view of the technical assistance (TA) landscape for smallholder farmers. This initial briefing note described a highly fragmented USD8 billion a year industry – where 70% of resources were channeled through public extension systems, 20% through donor funded programs, and 10% through the efforts of large multinational companies. As part of this research, ISF developed a typology of existing programs in the technical assistance landscape (see figure 1), which includes a list of the top ~100 international providers of TA – now publicly available on the Learning Lab’s data platform, with updated size estimates and wiki features.   

ISF’s 2014 follow up briefing note Rethinking technical assistance to unlock smallholder financing identified a gap in the way that these different forms of technical assistance were helping to facilitate access to finance for smallholder farmers. At that time, only 3% of funding for...

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Juhudi Kilimo

Webinar materials: Using Psychometrics for smallholder credit scoring

Media: As part of a Learning Lab Webinar series to highlight and showcase the work of our partners, on July 20, 2017 we hosted a webinar with Entrepreneurial Finance Lab (EFL) and Juhudi Kilimo – a Mastercard Foundation Fund for Rural Prosperity Winner – focused on the use of psychometrics for smallholder credit scoring. This blog includes webinar materials such as the presentation, recording, and responses to any questions that we were unable to answer during the webinar due to limited time.
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Agricultural technical assistance: catching up to its potential

Analysis: Part 4 of ISF's and RAF Learning Lab's Pulse series draws insights from the evolving Technical Assistance (TA) landscape in agricultural finance.
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