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BKF: Digitizing Value Chains in Indian Agri - Coggle Diagram
BKF: Digitizing Value Chains in Indian Agri
Banks
Functionality
Portfolio analytics
Proprietary credit scoring -- say goodbye to cibil scores
Pre-Screening & KYC of client base, i.e. access to validated client base (pre-qualified leads)
Proprietary data: Access to granular business data for improved underwriting
Platform for easy loan origination
Improved Collection strategy
integrated into cashflow stream
reminders to FPO & Farmer
Loan disbursement to cattle / farm input supplier
Value Proposition
Better data for underwriting
Reduced risk of collection (via integration in the cashflow stream)
Reduced risk of misuse of funds
Exposure to the entire value chain --- farm input -> distributor
More profitable lending (lower NPAs / easier origination - more business)
Easier Anchor - onboarding
Manufacturer (FPO, Private etc.)
Value Proposition
offer SCF to traders / factoring
easier procurement
better sales management
Functionality
Procurement SaaS
Invoice generation
PO generation
Freight / Logistics Tracking
Payments
QA / testing
Insights into procurement quality
Actionable insights
Share data with banks via BKF to SCF
Treasury Management
Risk Management
Sustainability / Traceability
Sales Management SaaS
Receivables Management
Buyer & Distributor Onboarding
Buyer rating tool
Differentiation & MOAT?
Farmers
Value Proposition
easier access to credit
visibility on credit eligibility
cheaper loan?
financial literacy
Functionality
App for easy loan application
on-ground agent
integration with NGOs for financial literacy
Trader / Aggregator
Value Proposition
better cash management
operational efficiency
Functionality
Receivables Management
Digital Payments
QA / Testing
Farm Input Sellers (to be validated)
Hypothesis: Margins as high as 35%
Hypothesis: BNPL for farm inputs
Hypothesis: Farmers willing to pay as high as 5% on a monthly loan
Hypothesis: Farm Input companies willing to take DLG exposure - based on BKF farmer insights
Hypothesis: Possibility of setting up your own brand for farm inputs