Credit History
A farmer's creditworthiness signal — Riwe's own credit score plus formal/informal lending history, cooperative/VSLA membership, a repayment track record, and (optionally) a licensed credit‑bureau pull. The primary section for banks and lenders.
| Section key | Fee (NGN) | Available to |
|---|---|---|
credit_history |
50 + bureau pass‑through (basic 80 / advanced 150) | bank |
The credit‑bureau pass‑through is skipped on a cache hit (a recent bureau pull for the same farmer), so repeat lookups can be cheaper.
Request
curl -X POST https://api.riwe.io/v1/rupa/lookup \
-H "X-API-KEY: rk_live_YOUR_SECRET" \
-H "Content-Type: application/json" \
-d '{ "rupa_id": "rp-7lif9u", "sections": ["credit_history"] }'
Response
"credit_history": {
"credit_score": null,
"credit_rating": null,
"score_factors": null,
"score_calculated_at": null,
"prior_formal_loans_count": 0,
"prior_informal_loans_count": 0,
"prior_insurance_participation": false,
"cooperative_membership": false,
"vsla_membership": false,
"repayment_record": [],
"partner_reported_repayments": [],
"bureau": null,
"data_as_of": "2026-07-03T12:02:54+00:00"
}
Fields
| Field | Description |
|---|---|
credit_score |
Riwe's composite score for the farmer (may be null for thin‑file farmers) |
credit_rating |
Banded rating (e.g. A–E) derived from the score |
score_factors |
The main factors driving the score |
score_calculated_at |
When the score was last computed |
prior_formal_loans_count |
Number of prior formal loans on record |
prior_informal_loans_count |
Prior informal/cooperative loans |
prior_insurance_participation |
Has held insurance before (a positive signal) |
cooperative_membership, vsla_membership |
Group‑finance membership (positive signals) |
repayment_record |
Riwe‑observed repayments |
partner_reported_repayments |
Repayments other partners reported via /report — the network effect |
bureau |
Licensed credit‑bureau result when a pull was performed (via Prembly/CRC); null if cached or unavailable |
data_as_of |
Snapshot time |
Tip —
partner_reported_repaymentsis why Ruralpass gets better as more lenders participate: yourloan_repaymentreports enrich the shared record other banks see, and theirs enrich yours. This is the "give‑to‑get" contribution model — see Report activity.
Typical use
- Bank/lender — underwrite an input loan or working‑capital facility for a farmer with little or no traditional bureau file, using Riwe's alternative‑data score plus cross‑partner repayment history. Combine with Financial History for outstanding exposure.