Credit Assessment

An assessment on the creditworthiness of a business or organization by evaluating their ability to repay a financial obligation. Aware of the benefits of technology, a number of winners of the first innovation competition of the Fund for Rural Prosperity are actively incorporating into their operations such fintech elements as branchless banking that reaches remote customers, SMS updates, and mobile payments to smallholder suppliers, and digitization of value chain data for purposes of credit scoring.

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Digital Financial Services

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Ecosystems for SHF finance

Watch Our Video: The Potential of Data Analytics in Smallholder Finance

Media: Data Analytics (DA) has the potential to unlock groundbreaking opportunities for investors and farmers in smallholder finance. Financial Service Providers, Digital Service Providers, and donors must work together to realize this potential. Watch our video below to learn more about the business case for data analytics.

Learning brief 5: Big data could mean big opportunity: Why we should stay excited for data analytics in smallholder finance

Analysis: The fifth Learning Brief in the Lab’s research series, this brief aims to provide a high level understanding of how data analytics is used for smallholder farmers, introduce a new framework to understand the economics of data analytic investments, and highlight key innovators in the space.

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Analysis: The Strengthening African Rural Smallholders (STARS) program, a five year initiative of ICCO Cooperation and in partnership with The Mastercard Foundation, aims to transform the lives of 210,000 farmers, 50% of them are women, in Burkina Faso, Ethiopia, Rwanda, and Senegal and will have an overall impact in the lives of over 1 million people.

Launching into space: Using satellite imagery in financial services

Analysis:

The Partnership for Finance in Digital Africa (FiDA) is an initiative...

ICCO STARS Ethiopia Credit Pilot Deep Dive Study

ICCO STARS Rwanda Credit Pilot Deep Dive Study

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.

Responsible agriculture finance for smallholder farmers in Tanzania and Uganda

Report:

The MasterCard Foundation's Rural and Agricultural Finance team recently commissioned the Social Innovation...

How does digital technology make lending to farmers more viable? (early findings)

Analysis: The Learning Lab is researching how digitalization affects the business case for smallholder finance, specifically: what role do digital tools play in successful business models for lending to smallholders? Here we provide early findings from the research, in the form of a presentation from a Sep. 2016 workshop where Dalberg and the Lab discussed the results of organization surveys and expert interviews.

The Rise of the Data Scientist: How big data and data science are changing smallholder finance

Analysis: The eleventh briefing note in a series from the Initiative for Smallholder Finance explores how innovative lenders are using new data sources and analytics to assess the creditworthiness of borrowers. The full report is available for download here.

Access to finance for SMEs in Ethiopia

Community: SCOPEinsight and the Cooperative Bank of Oromia (CBO) are partnering to increase transparency around agricultural SMEs and enhance the marketplace for agricultural finance in Ethiopia.