Agri-Access: AI-Powered Agricultural Credit Scoring

APRU Tech Policy Hackathon 2025 - Deliverable #3 README

High-level Explanation

Agri-Access uses satellite imagery and AI to assess agricultural credit risk in 3-5 seconds, enabling Indonesian banks to serve 29 million farmers currently excluded from formal credit.

How It Works

1. Satellite Analysis: IBM/NASA Prithvi foundation model processes real-time NASA satellite imagery of farm locations
2. AI Risk Assessment: Machine learning combines satellite data with weather and farm information to predict credit risk
3. Banking Integration: Generates Basel III-compliant risk parameters and Indonesian SLIK credit scores (1-5 scale)
4. Farmer Explanations: Google Gemini AI provides clear recommendations

Key Innovation

• Real-time processing: 3-5 second credit assessment vs weeks traditionally
• No field visits required: Satellite coverage works anywhere in Indonesia
• Regulatory compliant: Basel III + Indonesian banking standards ready
• Transparent AI: SHAP explanations show decision factors

Setup and Use Instructions

Prerequisites

• Python 3.8+
• Internet connection for satellite data

Installation & Demo

# 1. Navigate to project directory
cd agri-access

# 2. Install dependencies  
pip install -r requirements.txt

# 3. Start application
python3 basel_iii_api.py

# 4. Open browser to the displayed localhost website

Demo Instructions

1. Select demo farmer: Click Any Demo Data for pre-configured scenarios
2. Run analysis: Click "Analyze Credit Risk" (3-5 second processing)
3. View results: Credit score, satellite imagery, AI explanations, risk parameters

Demo Scenarios

• Rice farmer (West Java) - Good credit example
• Palm oil farmer (Sumatra) - Excellent credit example
• Coffee farmer (Central Java) - Fair credit example

AI Tool Disclosure

AI Tools Used in Development

• Claude Code (Anthropic): Code development, debugging, implementation assistance
• Google Gemini: Document polishing, research assistance for Indonesian banking regulations

AI Tools Integrated in Product

• IBM/NASA Prithvi-EO-2.0-300M: Satellite imagery analysis (foundation model)
• Google Gemini 2.5 Flash: Real-time farmer explanations in Indonesian/English

Original Work (Not AI-Generated)

• Core innovation concept (satellite-based agricultural credit scoring)
• System architecture and technical implementation approach
• Basel III compliance and risk assessment
• API integrations (NASA, weather services, Gemini)
• Indonesian banking compliance

All AI-generated code was reviewed, tested, and customized for Indonesian agricultural finance requirements.