All cases

Chipo Moyo · Chipo Fresh Produce

UC-2026-0841 · US$1,200 over 6 months · Mbare, Harare

evidence gatheringrulepack v2026.3sync queued
Field interview
rulepack: v2026.3ontology: onto-1.9methodology: meth-2.4.0extractionModel: extract-sim-3.1promptSet: prompts-zw-1.4created: 08/08/2026

Append-only case timeline

Nothing is edited or deleted. Corrections supersede in derived state and both events remain.

  1. Group ledger sighted at savings club — US$40/month confirmed

    10 Aug, 11:14
    observationExisting debt service (monthly)Tendai Moyoofficer observationsynced
    Technical detail
    id: ev-case-a-31
    hash: sha256:13c6ef3720
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  2. Provisional underwriting recalculated

    10 Aug, 11:14
    provisional runProvisional enginesystemsynced
    Technical detail
    id: ev-case-a-33
    hash: sha256:15035e2a92
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  3. One savings-club obligation, US$40/month

    10 Aug, 10:14
    claimExisting debt service (monthly)Tendai Moyoborrower interviewsynced
    Technical detail
    id: ev-case-a-29
    hash: sha256:128a8043ae
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  4. Household expenses stated at US$310/month

    09 Aug, 13:21
    claimHousehold expenses (monthly)Tendai Moyoborrower interviewsynced
    Technical detail
    id: ev-case-a-21
    hash: sha256:d98c475e6
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  5. Spouse contributes US$120/month from carpentry

    09 Aug, 13:21
    claimOther household income (monthly)Tendai Moyoborrower interviewsynced
    Technical detail
    id: ev-case-a-23
    hash: sha256:ed5336958
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  6. Transport, council levies and packaging US$145/month

    09 Aug, 13:21
    claimOther operating expenses (monthly)Tendai Moyoborrower interviewsynced
    Technical detail
    id: ev-case-a-25
    hash: sha256:1011a25cca
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  7. Stall rent stated as US$95/month to Harare City Council agent

    09 Aug, 13:21
    claimBusiness rent (monthly)Tendai Moyoborrower interviewsynced
    Technical detail
    id: ev-case-a-27
    hash: sha256:114e11503c
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  8. Supplier purchase book photographed (Mbare Musika wholesaler)

    09 Aug, 12:21
    file captureWeekly inventory purchasesTendai Moyosupplier recordsynced
    Technical detail
    id: ev-case-a-13
    hash: sha256:8a708a81e
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  9. Officer confirmed extracted weekly purchases of US$560

    09 Aug, 12:21
    confirmationWeekly inventory purchasesTendai Moyoofficer observationsynced
    Technical detail
    id: ev-case-a-15
    hash: sha256:9e3779b90
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  10. COGS share derived from purchases vs sales range

    09 Aug, 12:21
    derived updateCost of goods sold (share of sales)Derivation enginesystemsynced
    Technical detail
    id: ev-case-a-17
    hash: sha256:b1fe68f02
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  11. EcoCash statement screenshot (30 days)

    09 Aug, 11:21
    file captureMobile-money inflows (monthly)Tendai Moyomobile moneysynced
    Technical detail
    id: ev-case-a-11
    hash: sha256:76a99b4ac
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  12. Borrower claims US$820 sales in a normal week

    09 Aug, 09:21
    claimNormal week salesTendai Moyoborrower interviewsynced
    Technical detail
    id: ev-case-a-9
    hash: sha256:62e2ac13a
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  13. Storefront photo captured at stall

    09 Aug, 09:21
    file captureBusiness premises verificationTendai Moyophotosynced

    Visually similar storefront image found in another application; supervisor review suggested.

    Technical detail
    id: ev-case-a-19
    hash: sha256:c5c558274
    device: ZTE-A7-FIELD-114
    gps: -17.8631, 31.0289 ±12m
    rulepack: v2026.3

  14. National ID photographed

    08 Aug, 10:28
    file captureBorrower identity (national ID)Tendai Moyophotosynced
    Technical detail
    id: ev-case-a-3
    hash: sha256:278dde6e4
    device: ZTE-A7-FIELD-114
    gps: -17.8608, 31.0335 ±8m
    rulepack: v2026.3

  15. Officer confirmed ID number matches document

    08 Aug, 10:28
    confirmationBorrower identity (national ID)Tendai Moyoofficer observationsynced
    Technical detail
    id: ev-case-a-5
    hash: sha256:3b54cda56
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  16. Consent captured (data & credit check)

    08 Aug, 10:28
    confirmationData & credit-check consentTendai Moyoofficer observationsynced
    Technical detail
    id: ev-case-a-7
    hash: sha256:4f1bbcdc8
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

  17. UnderwritingCase created and versions pinned

    08 Aug, 09:28
    case createdTendai Moyosystemsynced
    Technical detail
    id: ev-case-a-1
    hash: sha256:13c6ef372
    device: ZTE-A7-FIELD-114
    rulepack: v2026.3

Why did the system ask this?

NBA selection record for the current top action.

Requirement / rule ID
R-CF-01
Sensitivity contribution
1
Uncertainty
0.75
Acquisition cost
1.8
Rulepack / NBA version
v2026.3 / nba-1.3
Other candidates considered
Record slow-week and seasonal pattern (p 0.36) · Capture premises photo with GPS (p 0.245) · Obtain lease or rent receipt evidence (p 0.18) · Collect evidence for Character reference (p 0.15)