Looks so clean and organized. 🔥

Credit history already exists. It just sits in the wrong place.

Ethiopia's savings and credit cooperatives hold years of savings, share and repayment records for millions of members. None of it reaches a credit bureau, so a member who has repaid every loan for a decade still looks invisible to a bank.

At Amani Solutions we built the pipeline that turns those cooperative records into explainable scores, with reason codes a loan committee can read out to a member. Our first pilot, with Ngat SACCO in Addis Ababa, ingested 490 member records and scored 374, at a Gini of 0.75.

The hard part was not the model. It was mapping the data, matching members across paper registers, Excel ledgers and the government's new cooperative records platform, and choosing a target when the book had no defaults at all.

If you lend to people with thin files, from cooperatives to mobile money users, this is the kind of work I do.