Automated Credit Scoring

It’s a system that allows small-holder farmers to get loans through the savings and credit cooperatives (SACCOs) and Farmers’ Organisations (FOs) by enabling the SACCOs and FOs to access small holder farmers’ transactional and non-transactional information in real-time and better determine his or her credit worthiness based on their transactional histories.


Through M-pesa and Automated Credit Scoring (ACS), farmers can now access their produce payments and advances at the comfort of their homes without spending extra cash to access payment thus enabling farmers to focus on what they do best. The farmers are also able to borrow, save, and withdraw from their SACCOs using our USSD *429# mobile platform.


The credit scores system will analyze the dataset using Amtech machine learning algorithm to produce relevant credit scores for smallholder farmers, and decisioning tools that enable farmers’ organization to lend.





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