05/05/2025
FS-CR-2025-0042
FishSpeak-enabled Farm Analysis

Loan Readiness Score

A-
Creditworthy, Minimal Intervention
Risk Assessment Summary
Biological Risk
Low
Feed Efficiency
Good
Water Quality Stability
Moderate
Financial Behavior
Consistent
Data verified by FishSpeak cloud engine, auto-synced to Agrobank API

Borrower Profile

Applicant Name
Encik Amirul Bin Hassan
Farm Size
2 earthen ponds (0.3 hectares total)
Business Type
Sole Proprietor (Registered under SSM)
Species Cultured
Tilapia (Oreochromis niloticus)
Farm Location
Kampung Sungai Kapas, Perak
Experience
5 years FishSpeak-logged cycles: 9
Track Record
ERP-linked data for 3 full harvests

Operational Overview

Avg Stocking Density
12,000 fingerlings/pond
Industry benchmark: 10,000-15,000
Feed Conversion Ratio (FCR)
1.5:1 optimized via AI
Industry benchmark: Poor (2.0:1) → Excellent (1.2:1)
Survival Rate
87% (↓ from 92% in previous cycle)
Industry benchmark: 85-95%
Avg Harvest Size
750g per fish
Industry benchmark: 700g
Cycles per Year
2.5 cycles forecasted by ERP
Paddlewheel Uptime
96% from real-time IoT log
Feed Conversion Ratio

1.5:1

Excellent
Poor
2.0:1
This Farm
1.5:1
Excellent
1.2:1
All operational data collected via FishSpeak IoT sensors

Financial Summary

Avg Revenue per Cycle
RM 28,800
Avg Cost per Cycle
RM 17,400
Gross Profit Margin
39.6%
Net Income/Year
RM 28,500
Cash Flow Volatility
Low AI risk score: A-
All financials automatically calculated using FishSpeak ERP ledger data.
Gross Profit Margin

39.6%

Above Average
Industry Avg
30%
This Farm
39.6%
Top Farms
45%

Supporting Documents

Harvest Logs (3 cycles)
DO/ORP Sensor Readings Summary
Feed Usage Graphs
Mortality Tracking Chart
Financial Ledger (Exported CSV)
Farmer WhatsApp ERP Chat Log as proof of use
Auto-attached via FishSpeak API

Proposed Financing Terms

Loan Purpose
Purchase of automated fish feeder & 2 additional paddlewheels
Loan Amount
RM 18,000
Tenure
2 years
Repayment Mode
Quarterly, post-harvest
Collateral
Equipment + FishSpeak risk-linked performance contract
Repayment Capacity

Strong

DPPAM Eligible
Debt Service Ratio
1.8x
Loan-to-Value
65%
DPPAM-backed microloan eligible - Quarterly repayments align with harvest cycles

Credit Officer Remarks

"Farmer demonstrates strong recordkeeping via FishSpeak ERP. AI risk score within A-range. Clear cash flow pattern with low volatility. Justified for DPPAM-backed microloan approval."

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