Key ideas
Send for assessment
A product with Field assessment required, like Biashara Plus, needs a field visit before approval. On the Draft loan, choose Send for assessment, pick the Assessor and add a Note for the assessor. The loan is then Under assessment: its terms are locked until the assessor finishes.
Record the findings
The assessor opens the loan's Assessment tab and chooses Start assessment, which marks it In progress. They record the Visit date and Place visited, then what they found: the business, the property and collateral behind the loan, what neighbours say, and the risks. Write what you saw so the checker can rely on it; the person who prepared a loan can never assess it.
Capacity and evidence
Under Capacity, enter monthly Income, Expenses and Existing loan instalments, and Adili works out what's left to repay. Save findings keeps the work, and photos or documents from the visit are added with Attach to assessment while the assessment is still In progress, so they're filed with the report.
A recommendation, not an approval
Complete assessment records the Recommendation (such as Approve with changes), the Risk rating, the recommended amount and term and the Reasoning, and the report shows net income and debt service. The loan goes back to the person who prepared it to submit. Download report gives a bilingual copy for the file: it's a recommendation, not an approval.