The Science of Asset Rating
How do you measure risk when dealing with 3 million unbanked farmers? You do it by building an audit engine that never sleeps. At Maputo Bridge Capital, we don't just 'trust' farmers; we verify their capacity, their land, and their history. Our audit process begins with GPS-mapped coordinates of their plots, followed by soil quality analysis, and finally, integration into our proprietary digital credit score system. We capture every interaction a farmer has with the financial system—from input purchases to harvest sales—to build a profile of reliability. In a country where 81% of the workforce is in agriculture, the ability to discern which farmers are prime-rated is the key to minimizing default risk. We provide this granular detail to our investors. When you look at an asset in our portfolio, you see the history of that plot, the current health of the crop, and the transaction history of the individual farmer. By turning agricultural operations into data-driven, rated assets, we provide the certainty required by institutional portfolios. We make the informal sector readable, reliable, and fundamentally investable.
View a sample project audit report: [Link to Sample]
