This course explains Informal Income Reliability Evaluation and how the credibility and sustainability of informal or undocumented income sources are evaluated within Agri & Rural Commercial Credit. It covers the key dimensions of behavioural patterns, obligations, risk indicators for sustainable decision-making, and sector risk, emphasizing the need for structured assessment, clear boundary definition, and independent validation before credit decisions are finalized. The course also distinguishes Informal Income Reliability Evaluation from the credit approval process, and highlights its role within Borrower & Household Profiling, where the credit analyst executes assessments, completes documentation, and flags exceptions for review, including escalation to credit committees where required.