Profiles assessed
12,800+
Cumulative farmer profiles assessed across early deployment work.
Evidence
Selected deployment evidence and institutional learning.
MkulimaScore publishes selected operating signals from deployment work, showing how structured agricultural evidence can support institution-led credit review.
Market
Kenya.
Institution type
Agricultural finance partner or member-based institution.
Portfolio context
Smallholder agricultural enterprises with seasonal production and fragmented records.
Institutional challenge
Credit teams needed clearer evidence on production activity, repayment timing and review readiness.
MkulimaScore role
Verification, agricultural evidence structuring and portfolio intelligence for institution-led review.
Defined outcomes
Decisions supported
500+
Institutional financing decisions supported with structured agricultural evidence.
Lending informed
KES 9M+
Agricultural lending reviewed or informed through institution-led credit processes.
Current reporting period
2026
Deployment figures are updated as institutional evidence is reviewed and confirmed.
Institutional learning
Repayment capacity is often seasonal.
Monthly repayment assumptions can misread agricultural cash flow where income concentrates around production and market events.
Evidence quality is its own signal.
Incomplete or stale evidence should be visible separately from underlying borrower or enterprise risk.
Structure matters.
Facility timing, tenor and repayment frequency can materially influence whether agricultural credit is usable.
Monitoring matters after disbursement.
Updated repayment information and changing agricultural conditions can identify profiles requiring review.
Results reflect specific deployment conditions and should be interpreted within the institution, market and portfolio context.
MkulimaScore supports institutional review; lending authority remains with participating financial institutions.