grande254/Invisible-Farmer

“The Invisible Farmer: Graph AI Credit Scoring at Africa’s Last Mile.” Our prototype localizes this brief to smallholder farmers in Kenya, with a focused demonstration around grassroots farmers in Kisumu and Kakamega Counties. # Invisible Farmer Credit Review Agent **We help lenders review thin-file farmers.** Invisible Farmer Credit Review Agent is an AgriFin decision-support system for rural SACCOs, MFIs, cooperatives, and agri-finance lenders. It helps loan officers prepare faster, clearer, and more auditable credit-readiness review packs for smallholder farmers who may lack formal credit history, land collateral, payslips, or traditional bank records. The system combines: * ML credit-readiness scoring * Neo4j relationship intelligence * Featherless AI business explanations * Masumi-compatible workflow and audit records * Farmer-safe SMS/USSD communication * Lovable-built loan officer dashboard * Human loan-officer outcome recording The agent does **not** approve loans, reject farmers, or disburse funds. It prepares decision support for a human loan officer or credit committee. --- ## Table of Contents * Project Summary * Problem * Solution * Who Uses It * Core Workflow * System Architecture * What the Agent Does * What the Agent Cannot Do * Technology Stack * Main Modules * Masumi Integration * Featherless Integration * Neo4j Integration * ML Scoring * Lovable Frontend * USSD Simulation * API Endpoints * Local Setup * Environment Variables * Running the Backend * Running with Ngrok * Example API Requests * Demo Flow * Responsible AI Boundary * Measurable Value * Repository Safety * Current Status * Future Work --- ## Project Summary Invisible Farmer Credit Review Agent helps rural lenders review smallholder farmers who are often excluded by traditional credit assessment methods. Many farmers do not have formal credit histories, payslips, bank statements, or land titles. However, they often have repayment evidence in alternative places such as savings groups, cooperatives, buyer relationships, input supplier records, mobile money consistency, extension officer support, and community networks. This agent turns those scattered signals into a structured credit-readiness revie …