Credit that readsthe weather, not just the wallet.
KaLI turns cooperative deliveries, chama savings, mobile money flows, and live drought & pest signals into a transparent loan decision — so a smallholder without a title deed still gets a fair hearing.
2. Check loan status
3. Climate alerts
4. Talk to officer
Your readiness,in one place.
Tea farmers enter a KTDA number. Everyone else uses their society ID or phone. No app install, no password — just your member number and the action steps we already send by SMS, saved as a simple checklist.
- See your credit readiness score (0–100)
- Get your next step in English, Kiswahili, or Luganda
- Tick off action points as you complete them
James Mburu · Tea
Your next step
Keep delivering to your co-op — lenders see every season you show up.
- ✓Deliver tea to your society this season
- 2Save with your chama every month
- 3Keep M-Pesa records active
A second opinion on every loan, grounded in the field.
Branch officers in rural Kenya juggle thin files and weather they can't predict. KaLI gives them four lenses, all in one screen.
USSD-first onboarding
Farmers register on any feature phone via *483#. No smartphone, no data plan, no branch visit required.
01Cooperative & chama signals
Delivery history with the local cooperative and chama savings discipline replace traditional collateral.
02Live climate scoring
CHIRPS rainfall, ICPAC SPI drought index, and KALRO pest proximity feeds adjust risk in real time.
03Explainable decisions
Every score shows its drivers and drags. Officers can override with a written rationale — fully audited.
04From feature phone to disbursement, in four moves.
Farmer dials *483#
Picks crop, requests amount, consents to data sharing.
Signals stream in
Co-op deliveries, M-Pesa inflows, climate grids merge into one profile.
Officer reviews
Scorecard explains the number. Approve, refer, or decline in one tap.
SMS goes out
Decision and climate advisories reach the farmer in their language.
We don't bucket Women, Youth, PWD and General into one queue.
KaLI segments applicants so branch decisions can be audited for equity — and asset-substitute rules ensure a farmer without a title deed but with three years of co-op deliveries still qualifies.
Lend with the climate, not against it.
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