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For banks & microfinance institutions

Agronomic data attached to the credit file.

Farmer profiling based on agronomic behaviour, automated remote monitoring of crops pledged as collateral, and early risk identification.

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We already work with
Romania’s largest microfinance institution for agriculture
Enten agronomist and loan officer studying a map of Romania together
The reality of agricultural lending

Agricultural portfolio challenges · What Enten offers you

Challenges in the agricultural exposure portfolio

  • Profiling based mainly on historical financial datadoes not reflect the real agronomic risk.
  • Low visibility of collateral and difficult monitoringoverstaffing, high field-inspection costs and infrequent inspections relative to the loan term.
  • Limited understanding of the main source of riska lack of specialist staff with the agronomic expertise to grasp the complexity and risks of farming.
  • Limited ability to respond to shocksthe specific risks crops face (drought and other extreme weather, disease and pests, collapsing market prices), which are hard to model.

What Enten offers you

  • Real agronomic profile, continuously updatedbased on field data and analysis specific to each borrower’s farming behaviour
  • Remote monitoring of collateraldigital images and video footage from the field, crop progress reports
  • Lower costs through automationcontextual validation, not manual
  • Early risk identification and a better ability to respondclimate stress, disease, pests and nutrition, tackled by the farmer together with their dedicated Enten agronomist
What you can build

Financial products and services that use Enten data.

01
Agronomic scoring

Based on microclimate data, crop progress in the field, the risks facing the crop, and the farmer’s ability to respond and how they go about it.

Attached to the credit file. New variables for your internal scoring model, so you can assess and respond straight away to loan applications from farmers with a sensor data history.

02
Parametric insurance

Payout triggers based on actually measured heat or water stress.

Not on approximate satellite averages or weather forecasts. Validated field data, collected every 5 minutes.

03
Crop-linked finance

Loan tranches released conditional on visible crop progress.

A pay-as-you-grow model. Reduced risk, lower costs, tighter control of exposure, better support for farmers.

Data infrastructure for financial institutions

Reliable, verified data

Sensors installed in line with WMO guidelines, with expert agronomists involved in the process to provide context and specialist support.

API & integration

Data delivered via API to your internal decision-support systems, or as periodic analyses and reports.

Compliance

Data backups, end-to-end encryption, GDPR compliance.

Working session with the risk team

Let’s see what you can build with Enten data.

Our team will join your risk team for a working session.

Book a demoor email us at contact@enten.ro