Banks, MFIs and financial cooperatives
Assess agricultural credit on evidence, not assumptions.
Agricultural files are costly to assess and hard to defend in committee. Wakama prepares documented files with an explainable score and the points to confirm, then follows the plots after disbursement.
Wakama does not lend and does not take the credit decision.
Committee note · agricultural credit
D-2026-0418 · demo farmer
- Farmer
- Identity verified, cooperative member
- Plot
- 4.8 ha measured, maize
- Wakama Score
- 72 / 100, grade B
- Main factors
- Vegetation stability, cooperative history
- To confirm
- Declared yield, rainfall series
- Missing document
- Buyer contract
- Decision
- The institution’s committee
Fictitious example. Note format and content adapted to your procedures.
01 /The need
Financing agriculture without seeing the plots.
Credit teams face the same difficulties from one portfolio to the next.
- 01
Declarative information
Areas, crops and yields are often declared and hard to cross-check.
- 02
Assessment cost
Systematic visits weigh on small-ticket files.
- 03
After disbursement
Once the loan is granted, the plot drops out of sight.
02 /Realistic deliverables
What your teams receive, in practice.
Deliverables adapt to your procedures; no IT integration is needed to start.
- 01
Committee file
Explainable score, consistency checks, sources and points to confirm.
Wakama Score
- 02
Evidence register
What is corroborated, to confirm, to visit or missing.
Services / Verify
- 03
Financed plot monitoring
Gaps to history and watches after human review.
Monitor
- 04
Portfolio summary
A periodic reading for committees and risk functions.
Reports
03 /Roles and limits
Better documented files. Your criteria, your decision.
What Wakama does
- Prepare documented, sourced files
- Compute an explainable score
- Flag points to confirm
- Follow financed plots
What your institution keeps
- Credit policy and eligibility
- Committee and final decision
- Terms, disbursement and recovery
- Regulatory responsibility
Limits and dependencies
- Quality depends on the data available
- Field coverage to be scoped by area
- Information system integration to be studied case by case
04 /Getting started
Three ways to start, no programme imposed.
- 1Meeting
Demo
See a fictitious committee file and how it is built.
- 2Deliverables
Sample files
Analyse a few files representative of your portfolio.
- 3Tailored
Scoped perimeter
One value chain or branch, with agreed deliverables and timeline.
Next step
See what a Wakama committee file would look like for your clients.
A short meeting, with no commitment, on fictitious data close to your cases.