Separate management from a favorable year.
Look beyond a strong yield to the weather, market, and reporting patterns around it. Give credit teams a reasoned view they can take to committee.
Solutions
Decisions where correlation can be convincing and wrong.
Agricultural lending and earned wage access are two examples of a broader challenge: knowing whether a result reflects an intervention, a capability, or the circumstances around it.
Separate the effect of an advance from the effect of a cap policy.
Advance size and repayment shortfalls may move together, but changing a cap can also change who receives an advance and by how much.
Bring us the decision behind the number.
We’re shaping CausalGraphOS with early design partners working through consequential decisions.