Inspiration

Poverty Alleviation Cuts across Health, Agriculture and Education but these are disparately addressed by existing solutions hence no holistic approach to solving real problems faced by community members. We stand on the brink of history that will for the first time provide a viable ans sustainable solution to positively impact the lives of over 2.5 million livelihoods in our phase 1 pilot rollout to three rural counties in Kenya.

What it does

x-Credit is an alternative credit access system that consolidates the provision of access to credit in a triangle that supports both agriculture, Education and Health of the Community members in a holistic approach using a single portal. It adds a unique concept of online micro guarantee that utilizes non traditional security appraisal process for determining credit worthiness. Additionally it augments the micro insurance to complement emergency and normal loan applications. It is user friendly and tailored to unique ethnic languages of the rural population hence offering the solution in a language the communities are comfortable with.

How I built it

Android for mobile app php for USSD

Challenges I ran into

Accomplishments that I'm proud of

Incorporation of online Micro Guarantee as a novel way to assist rural communities in the alternative credit access process. This supports both normal and emergency loan application process cutting across the triangle of medical health, agriculture and education.

What I learned

What's next for x-Credit

Advanced Market Research and pilot rollout in one rural county of Kenya

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