Dairy farmer credit scoring
Gemura turns every litre collected at the MCC into a transparent 0–1000 score — so farmers, cooperatives, and lenders can unlock fair credit limits and loans backed by real performance.
Farmer profile
Jean Pierre Uwimana
FRM-000001 · Gitega MCC
850
/ 1000
Approved limit
RWF 360,000
Available credit
RWF 60,000
How it works
Every step is recorded at the cooperative — no paperwork, no guesswork.
Farmers bring milk to their MCC. Litres, quality grade, and payment are logged on the platform.
Volume, consistency, quality, repayments, and account history combine into a 0–1000 credit score.
Your score and average milk income determine how much you can borrow — updated as you deliver.
Apply for input financing, equipment, or emergency loans. Repay through your farmer wallet.
Scoring model
Scores are recalculated from the last six months of verified milk transactions and loan behaviour — giving every farmer a clear path to improve.
Transaction volume
Total paid milk value over the scoring period.
Delivery consistency
How regularly you deliver to the MCC.
Milk quality
Grade A/B/C performance and composition.
Loan repayment
Timely repayments improve your score.
Account maturity and penalty deductions (late payments, rejected deliveries) also affect your final score.
Risk levels
Your score maps to a risk band that drives your credit multiplier.
800+
Excellent
3× monthly milk income as credit limit
650–799
Good
2× monthly milk income
500–649
Moderate
1× monthly milk income
<500
High risk
Manual review required
Sign in to view your credit score, wallet, credit limit, and loan options — built from your real milk delivery history.
Cooperatives and MCCs: manage farmers, record deliveries, and review loan applications from one platform.