CBSRM · Microfinance Risk Layer · Pilot Prototype Sample Laghubitta (synthetic data)

Scenario stress test

recomputed in your browser · contract §5.1

Pick a scenario. The page moves a share of each loan bucket one bucket worse, re-prices funding and haircuts liquidity, then recomputes PAR, provisions, capital and the 90 day liquidity gap from the latest bucket balances.

MeasureBaseStressedChange

Branch monitor

Click a column to sort, a row to see its 24 month trend.

Branch trend

PAR30 by province and district

Overdue migration

Share of each bucket's balance at the earlier month-end that sits in each state at the later one. Roll rate is the share moving to a worse bucket or written off.

Farm lending (Agriculture + Livestock) by province

Share of all farm lending booked in each province, from the latest sector by province bucket balances.

Concentration

share of gross portfolio

Classification view

Configurable five-band classification. Bands and rates are placeholders pending calibration to the current NRB directive for D-class institutions.

Branch findings

One paragraph per branch with alerts, filled from the data by a fixed rule-based template (no generated text).

Early-warning alerts

SeverityBranchDistrictRuleValueThreshold

Audit trail

Each row of the input CSV is a centre-level pooled account (group loans aggregated per centre). Every figure on this page is reproducible from that CSV and the open-source code: rerun the generator, hash the inputs and outputs, and the chain head below must match. Outputs are hashed at 10 significant digits.

Input file sha256 · laghubitta_loans.csv
Chain head hash
Records · contract version · seed

How it connects

Existing CBS / MIS (CSV export)
CBSRM risk layer
Management and board reports (board summary, alerts CSV)

Direct API connection is pilot work, not built yet.

CBSRM does not replace the Core Banking System. It analyses authorised data from it.