KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha
This brief discusses the findings of an impact evaluation of KhetScore, an innovative tool that employs digital technologies to unlock credit and insurance for small and marginal farmers in the state of Odisha, India. In the treatment group, where Dvara E-Registry offered loans and insurance based o...
| Main Authors: | , , , |
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| Format: | Brief |
| Language: | Inglés |
| Published: |
International Initiative for Impact Evaluation
2025
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| Subjects: | |
| Online Access: | https://hdl.handle.net/10568/175728 |
| _version_ | 1855532143804940288 |
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| author | Kramer, Berber Pattnaik, Subhransu Ward, Patrick S. Ganta, Tharakeswar |
| author_browse | Ganta, Tharakeswar Kramer, Berber Pattnaik, Subhransu Ward, Patrick S. |
| author_facet | Kramer, Berber Pattnaik, Subhransu Ward, Patrick S. Ganta, Tharakeswar |
| author_sort | Kramer, Berber |
| collection | Repository of Agricultural Research Outputs (CGSpace) |
| description | This brief discusses the findings of an impact evaluation of KhetScore, an innovative tool that employs digital technologies to unlock credit and insurance for small and marginal farmers in the state of Odisha, India. In the treatment group, where Dvara E-Registry offered loans and insurance based on the KhetScore methodology, farmers (particularly women) were more likely to obtain insurance and formal credit, without substituting away from informal borrowing. Despite this increase in borrowing, households in the treatment group were much less likely to report difficulty in repaying loans, which suggested favorable loan terms that eased the burden of repayment. There were beneficial effects on agricultural revenues and profits. Women in the treatment group experienced significant improvements in empowerment within the household and in their subjective mental health (specifically, reduced feelings of stress). |
| format | Brief |
| id | CGSpace175728 |
| institution | CGIAR Consortium |
| language | Inglés |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | International Initiative for Impact Evaluation |
| publisherStr | International Initiative for Impact Evaluation |
| record_format | dspace |
| spelling | CGSpace1757282025-11-06T04:38:47Z KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha Kramer, Berber Pattnaik, Subhransu Ward, Patrick S. Ganta, Tharakeswar credit digital technology farmers insurance This brief discusses the findings of an impact evaluation of KhetScore, an innovative tool that employs digital technologies to unlock credit and insurance for small and marginal farmers in the state of Odisha, India. In the treatment group, where Dvara E-Registry offered loans and insurance based on the KhetScore methodology, farmers (particularly women) were more likely to obtain insurance and formal credit, without substituting away from informal borrowing. Despite this increase in borrowing, households in the treatment group were much less likely to report difficulty in repaying loans, which suggested favorable loan terms that eased the burden of repayment. There were beneficial effects on agricultural revenues and profits. Women in the treatment group experienced significant improvements in empowerment within the household and in their subjective mental health (specifically, reduced feelings of stress). 2025-07-21 2025-07-22T18:25:55Z 2025-07-22T18:25:55Z Brief https://hdl.handle.net/10568/175728 en https://hdl.handle.net/10568/162767 Open Access application/pdf International Initiative for Impact Evaluation Kramer, Berber; Pattnaik, Subhransu; Ward, Patrick S.; and Ganta, Tharakeswar. 2025. KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha. Impact evaluation brief: Agriculture, fishing and forestry. International Initiative for Impact Evaluation (3ie). https://www.3ieimpact.org/evidence-hub/publications/impact-evaluation/khetscore-impacts-using-digital-technologies-unlock |
| spellingShingle | credit digital technology farmers insurance Kramer, Berber Pattnaik, Subhransu Ward, Patrick S. Ganta, Tharakeswar KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha |
| title | KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha |
| title_full | KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha |
| title_fullStr | KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha |
| title_full_unstemmed | KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha |
| title_short | KhetScore: Impacts of using digital technologies to unlock credit and insurance for marginal farmers in Odisha |
| title_sort | khetscore impacts of using digital technologies to unlock credit and insurance for marginal farmers in odisha |
| topic | credit digital technology farmers insurance |
| url | https://hdl.handle.net/10568/175728 |
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