This course introduces the concept of Household Income Source Mapping within the Crop & Seasonal Agri Credit framework. It focuses on identifying, mapping, and quantifying all sources of household income to ensure a comprehensive understanding of repayment capacity and financial stability.
Learners will explore key assessment dimensions such as behavioural patterns, financial obligations, risk indicators for sustainable decision-making, and crop cycle alignment, with an emphasis on independent validation and well-documented rationale. The course also distinguishes household income source mapping from broader credit management processes, highlighting its specific role in building an accurate and exposure-level view of borrower cash flows.
By the end of the course, participants will understand how to apply income mapping in practice, particularly within Borrower and Household Profiling, including documentation standards, exception handling, and escalation for review within the credit approval process.