Themba Nkomo
Welding · Harare CBD
US$650
Trader stock loan
Branch 1h
Live in demo
Applications
From field capture to money on the borrower’s phone. Every stage change is logged with who, when and why.
Median time to decision
19 h
Goal under 24 h. Measure your baseline in the pilot.
Captured offline this week
61%
Field app queues and syncs when signal returns
Officer overrides
4.2%
Each needs a written reason; tracked per officer
Submitted
2Captured, waiting for checks
Shamiso Gumbo
Groceries / tuckshop · Mbare
US$250
Trader stock loan
Queued offline 6h
Field app (offline) 3h
Verification
2KYC, duplicates, documents
Ndlovu Women’s Group
Mixed trading · Mbare
US$2,400
Group solidarity loan
2 of 8 members pending KYC
Field app (offline) 14h
Rutendo Makoni
Cooked food · Chitungwiza
ZiG 12,500
ZiG working capital
Statement missing
WhatsApp 1d 6h
Scoring
2Statement parsed, scorecard run
Tendai Moyo
Tobacco · Gokwe
US$600
Farm input loan
Field app (offline) 2h
Sipho Tshuma
Kombi transport · Harare CBD
ZiG 30,000
ZiG working capital
Parsing statement
Branch 4h
Review
3Credit decision needed
Chiedza Mutasa
Vegetables & fruit · Mbare
US$300
Trader stock loan
ApproveScore 734
Field app (offline) 5h
Tatenda Chikomo
Hair salon · Chitungwiza
US$1,200
Trader stock loan
ApproveScore 691
Offer below request
Branch 9h
Farai Ncube
Clothing & shoes · Harare CBD
US$1,000
Trader stock loan
DeclineScore 440
Betting 28%Reversed repayments
Branch 20h
Approved
2Offer sent, maker-checker
Precious Hove
Tailoring · Chitungwiza
US$400
Trader stock loan
ApproveScore 668
Awaiting checker
Branch 1d 2h
Mapfumo Youth Group
Poultry · Chitungwiza
US$1,500
Group solidarity loan
ApproveScore 634
Offer accepted by OTP
Field app (offline) 1d 16h
Disbursed
2Paid out, schedule live
Vimbai Chigumba
Hardware · Harare CBD
US$1,200
Trader stock loan
ApproveScore 701
EcoCash B2C confirmed
Branch 2d 4h
Kudzai Madziva
Maize · Gokwe
US$450
Farm input loan
ApproveScore 642
Inputs in kind
Field app (offline) 2d 22h
Maker ≠ checker is enforced by the server: the officer who approves a loan cannot also release the money. Try it on the card marked “Awaiting checker”.
Decision log
Append-only and hash-chained: each entry carries the SHA-256 of the one before it, so a changed, deleted or reordered entry is detected. Kept in this browser only.
| # | When · officer | Applicant | System | Officer | Reason · status | Run · scorecard |
|---|---|---|---|---|---|---|
| No decisions yet. Assess a borrower and record a decision to see it here. | ||||||
Override report
Override rate per officer and the reasons given. Above 20% suggests the scorecard is not trusted or not fit; once loans mature, the bad rate of overridden loans shows who was right.
| Officer | Decisions | Overrides | Rate | Awaiting sign-off | Reasons given |
|---|---|---|---|---|---|
| No decisions recorded yet. | |||||
Platform not connectedDecisions stay in this browser.