Impacts of a digital credit-insurance bundle for landless farmers: Evidence from a cluster randomized trial in Odisha, India
Smallholder farmers often lack documented land rights to serve as collateral for formal loans, and their livelihoods are inextricably linked to increasingly variable weather conditions. Resulting credit and risk constraints prevent them from making potentially profitable investments in their farms. We implemented a randomized evaluation of the impacts of KhetScore, an innovative credit scoring methodology that uses digital technologies to unlock credit and insurance for smallholders including landless farmers in Odisha, a state in eastern India.