For BASIX, a microfinance institution, Nathan India developed a tool that assesses the credit risk of customers. Nathan India developed questionnaires and surveyed Livelihood Service Advisors (LSAs) to understand how they evaluated loan applications, especially which criteria they used in their decision-making process.

We used primary data collected from LSA surveys and borrower transaction data to develop advanced statistical models to estimate the likelihood that a borrower would default on a loan. This tool allowed BASIX to simplify risk assessment procedures and LSAs to allocate time to loan application assessments in accordance with applicants’ estimated credit risk.

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