Case study, microfinance · Modeled
Field visits cut in half, recovery up to 38%.
Modeled on a mid-tier microfinance cooperative with about ₱1.2B outstanding and roughly 15 field officers. SMS-first outreach in Tagalog and Cebuano, plus a prioritized daily route so officers only drive to the accounts where an in-person visit changes the outcome.
- Organization
- Microfinance cooperative
- Outstanding
- ~₱1.2B
- Default rate
- 8.2%
- Field officers
- ~15
The problem
The drive eats the margin.
Group lending means a physical visit can eat the margin on a small loan. Officers spend about 60% of their time driving between barangays, and a default is only visible after it has already happened.
What we’d plug in
What we'd plug in.
Nova Finance plus an AI voice and SMS agent wraps the cooperative's existing process. Officers keep doing the in-person work that matters; the routine outreach moves to SMS.
SMS-first outreach
An AI agent runs first-line outreach over SMS in Tagalog and Cebuano, so most reminders and check-ins never need an officer in a vehicle.
Prioritized daily routes
Each officer gets a route every morning, ranked by where an in-person visit actually changes the outcome, instead of driving the whole barangay list.
Group-leader notifications
Group leaders get nudges over Messenger, so the cooperative's existing social structure carries some of the follow-up.
Automatic compliance logging
Contact is logged against BSP MFI Circular 1011 as it happens, so the records are ready when they are needed.
The modeled numbers.
Modeled on the missed-payment branch, on PH market data, not a signed customer.
- 25% → 38%
- Recovery rate on the missed-payment branch
- −50%
- Field visits avoided
- 1.8×
- Accounts covered per officer
- +₱8M
- Additional recovery per year
- ~4 mo
- Payback period
Want this modeled on your numbers?
Send us your outstanding portfolio and default rate. We will model your recovery lift, officer efficiency, and payback, then walk you through it on a 20-minute call. No pitch.