Introduction
Credit (Udhaar) is a core component of rural retail. Sowing cycles mean farmers purchase inputs now and pay back post-harvest. However, manual slips and memory logs often lead to unrecoverable debts.
1. Centralize All Transactions Digitally
Avoid scrap paper logs. Record every credit sale under the farmer's verified name and mobile number. A single database keeps all transactions auditable and clear.
2. Define Smart Seasonal Limits
Assess historical credit behavior before extending credit values. Enforce logical credit limits to manage risk during sowing peaks.
3. Automated WhatsApp Reminders
Manual collection calls are time-consuming and can strain relationships. Use automated WhatsApp alerts to share clear account summaries and payment balances regularly.