nshizirunguwilson/izere

# Izere **Mobile Money history → lender-ready credit decision.** Rwandan micro and small businesses generate real revenue through MoMo but lack the documentation banks require — part of a ~$1.8B SME financing gap. Izere turns a MoMo statement into structured books and a transparent, explainable credit assessment that a bank, MFI, or SACCO can act on. ## What it does 1. **Ingests** a MoMo statement CSV (drag-and-drop, or use the built-in samples). 2. **Verifies integrity before anything else** — balance-chain arithmetic, duplicate transaction IDs, date order. A doctored statement is caught to the exact row and no score is issued (try the "Tampered statement" sample). 3. **Builds the books** — monthly income, expenses, net, selling days, top customers, and an interactive cash-flow chart (hover any month for its full numbers). Owner cash top-ups are never counted as revenue. 4. **Scores** — five explainable factors (inflow, regularity, balance floor, volatility, expense ratio) blended into a 0–100 score with plain-language reasons. Businesses with under 3 months of history are "not scoreable yet", never falsely declined. 5. **Sizes the loan** — safe monthly repayment capped at 30% of net inflow, recommended limit of 2.5 months of profit, a loan-request checker with counter-offers, and a stress test showing whether the decision survives a revenue drop. 6. **Exports** a clean two-page report (print to PDF). Fully bilingual: **Kinyarwanda and English**, with contextual help on every concept so non-technical users can navigate it. ## Run it ```bash npm install npm run dev # open localhost npm test # 13 unit tests: integrity, revenue rules, verdict bands, loan matching npm run build # production build ``` ## Sample data | File | What it shows | | --- | --- | | `public/samples/sample_healthy.csv` | Kigali retail shop, 6 months → score 94, Approve | | `public/samples/sample_seasonal.csv` | Seasonal trader → Review (irregular income) | | `publ …