Determining Psychological creditworthiness during Pandemic for the unbanked Rural Farmers

During the unprecedented crisis of the pandemic farming community, especially the small-holder farmers have been facing life and death choice. Lack of credit due to any availability of collateral and the general reluctance of banks to advance loans without this has implications for food security. How to determine the psychological creditworthiness is something that needs exploration. EcoDev Solutions has created psychometric assessment tool that accurately and precisely predicts the creditworthiness of the farmers and other actors in agriculture. Banks microfinance agencies and donor agencies find the tool useful as it reduces loan default and helps sustainable agriculture by supporting farming community.