MFI SOLUTION

Finance more farmers without overloading your field operations.

Wakama helps MFIs produce more readable agricultural files: verified field data, Wakama Score, committee file, monitoring and audit trail.

Request an MFI pilot See the workflow

Your institution keeps the credit policy, committee and final decision. Wakama structures the evidence.

90 days

100 to 300 files

Decision retained

Auditable data

Agricultural credit file

Ready for committee

Pilot-ready

KYC

Complete KYC

Plot

Verified plot

Wakama Score

Committee-ready file

THE OPERATIONAL BOTTLENECK

Agricultural risk often starts before credit: in file production.

For an MFI, financing agriculture requires more than market appetite. It means identifying farmers, verifying plots, collecting documents, understanding the season and monitoring the portfolio after disbursement.

Costly processing

Each agricultural file requires field work, time, verification and local coordination.

Fragmented data

KYC, plots, cooperatives, weather, documents and farmer history rarely arrive in a usable format.

Under-equipped committees

Without a clear file, credit committees work with too few comparable proofs.

Limited monitoring

After decision, field, weather, NDVI or farmer activity alerts remain difficult to consolidate.

Wakama reduces the cost of producing a reliable decision.

WAKAMA METHOD

From farmer to committee, every step produces evidence.

Wakama organizes the operational flow around a clear separation: we prepare the file, your MFI decides.

Collection -> verification -> scoring -> file -> MFI decision -> monitoring

Step 1

Wakama

Collect

KYC, documents, plots, cooperatives and farmer activity.

Step 2

Wakama

Verify

Geolocation, field evidence, weather, NDVI and data coherence.

Step 3

Wakama

Score

Wakama Score and structured agricultural risk reading.

Step 4

Wakama

Document

Credit file, Idjor summary and useful committee elements.

Step 5

MFI

Decide

Your MFI applies its credit policy and keeps the final decision.

MFI decision

Step 6

Wakama + MFI

Monitor

Monitoring, alerts, reporting and supervised portfolio.

OPERATIONAL ROI

Measure what field operations cost — then reduce it.

The Wakama pilot compares before and after: processing time, field cost, file completeness, evidence quality and monitoring capacity.

Before Wakama

Scattered visits and documents

Files difficult to compare

Under-equipped credit committee

Limited agricultural monitoring

Manual reporting

With Wakama

Structured data

Explainable agricultural score

Committee-ready file

Consolidated audit trail

Portfolio alerts and monitoring

Controlled pilot cycle

300

Up to 300 files

6 usable deliverables

MFI DELIVERABLES

What your teams receive: files ready for discussion.

Wakama turns field data into deliverables your credit, risk, compliance and operations teams can use.

Institution dashboard

Agricultural file ready for review

Committee ready

Farmer profile

Cocoa producer · Active coop

Wakama Score

78/100

KYC & documents

Compliant

Plots and crops

3.2 ha

Risk factors

Moderate

Committee file

Generated

Portfolio dashboard

Active

GOVERNANCE

Your MFI keeps the decision. Wakama makes the file defensible.

Wakama remains an infrastructure and execution layer. Credit policy, terms, committee, disbursement and regulatory responsibility stay with your institution.

This separation improves documentation without moving responsibility.

Verified field dataWakama

Wakama ScoreWakama

Idjor summaryWakama

Committee fileWakama

MonitoringWakama

Audit trailWakama

Credit policyMFI

Eligibility criteriaMFI

Credit committeeMFI

Final decisionMFI

DisbursementMFI

Regulatory responsibilityMFI

Verifiable data

Field data reinforced for auditability.

Wakama structures agricultural data, then distributes it through a chain designed to preserve traceability, integrity and institutional review.

Field -> Wakama -> trust layer -> oracle -> MFI dashboard

Flow 1

Field

Farmers, plots, cooperatives, documents and agricultural signals.

Flow 2

Wakama

Structuring, verification, scoring and file preparation.

Flow 3

Integrity layer

Solana Blockchain Trust Layer

Reinforced integrity, traceability and audit trail.

Flow 4

Wakama Oracle

Controlled distribution to dashboards, reports and APIs.

Flow 5

MFI Dashboard

Portfolio reading, monitoring, scoring and reporting.

The blockchain layer is not exposed to the end client: it reinforces data integrity and traceability.

Certification in preparation

Sensitive data requires serious method.

Wakama works with AQC in Casablanca on an ISO/IEC 27001 implementation program based on the CIA triad. Certification is in preparation.

Program engaged with AQC — Casablanca.

CIA 1

Confidentiality

Protecting sensitive data, access and institutional information.

CIA 2

Integrity

Maintaining reliable, accurate, traceable and auditable data.

CIA 3

Availability

Preserving continuity of critical systems.

Your first agricultural files can become your market proof.

Frame an MFI pilot with Wakama and measure, on a limited portfolio, data quality, score readability, processing cost and monitoring capacity.

Request an MFI pilot View Pilot page