Scoring the Smallholder
unconventional
India-specific
Set in North India; the figures and context are India’s.What this case is about
KhetSaar Finance is a microfinance institution planning to expand into rural lending in North India. It wants to design a credit-rating framework for loans to farmers and related rural borrowers. How would you build a framework that helps the client grow while managing long-term credit risk?
Objective
Establish a practical and evidence-based credit-rating framework that identifies repayment risks, collects and verifies borrower information, and calibrates scores for different borrower types.
Skills this case tests
Structuring the problem
Reading the data
Judgement and recommendation
Communicating clearly
This is an interview practice scenario. Figures in the brief are case inputs, not current market research.