
Agriculture
Beyond Loans
Data-Driven Evolution of Farm Finance

Business Background
Banrural, one of Guatemala’s largest financial institutions, faces difficulties in verifying land records and crop types, which are essential for determining loan eligibility. Traditional methods were slow and unreliable, increasing the risk of lending to unqualified borrowers. The bank also lacked a system to monitor farm health and productivity, especially for coffee and banana farms, making it hard to assess loan repayment capacity. Banrural needed a tech-driven solution to streamline loan approval, reduce risks, and provide real-time farm insights for better agricultural output.
Amnex Solution
Amnex implemented Agrogate, a platform integrating remote sensing, AI, and crop modeling for precise farm monitoring. Using satellite imagery and real-time data, the platform assessed coffee and banana crop health, offering early stress detection. AI-driven yield projections, coupled with agro-meteorological data, improved risk management. The Digital Farm Score simplified loan assessments, while the mobile advisory app provided farmers with essential agronomic and weather updates to optimize their practices.

Impact
Streamlined Loan Approvals

Automated farm verification sped up the lending process.
Smarter Credit Decisions

Real-time farm data minimized defaults, improving credit health.
Lower Default Rates

Accurate assessments reduced high-risk lending, enhancing loan recovery.
Improved Credit Access

Verified farm data enabled easier loan access, boosting financial inclusion.
Boost in Productivity

Agronomic insights raised crop output, benefiting farmers.
Sustainable Agriculture

Precision farming techniques promoted long-term sustainability and eco-friendly practices.