Tafadzwa Ndlovu · Ndlovu Tailoring
UC-2026-0836 · US$700 over 9 months · Bulawayo
ready for decisionrulepack v2026.3sync synced
rulepack: v2026.3ontology: onto-1.9methodology: meth-2.4.0extractionModel: extract-sim-3.1promptSet: prompts-zw-1.4created: 01/08/2026
Readiness
Policy completeness, not a percentage score.
Ready for decision
- Satisfied
- 13
- Needs evidence
- 0
- Unavailable
- 0
- Waiver pending
- 0
- Waived
- 0
Verification mix
Two independent dimensions: level and flags.
Claimed
3
material nodes
Corroborated
3
material nodes
Verified
7
material nodes
Unknown
0
material nodes
Flags
Review signals — not findings of wrongdoing.
- Open contradictions0
- Stale evidence0
- Provenance concerns0
- Manual overrides0
Provisional appraisal
Rulepack v2026.3 · methodology meth-2.4.0 · recalculated on every confirmed event.
Monthly revenue
US$1,862
Net business income
US$810
Household surplus
US$550
Existing debt service
US$0
Proposed instalment
US$109.28
9 months
Coverage ratio
5.04×
policy floor 1.5×
Policy score
83.0
weighted 5 dimensions
Provisional outcome
Within policy
Highest-ranked next action
Deterministic selection — AI only phrases the question.
No open policy requirements. Move to review, dossier and human decision.
Material nodes
Current derived state with provenance.
| Node | Current value | Verification | Confirmed by | Updated |
|---|---|---|---|---|
| Borrower identity (national ID) | 08-2290114 M 08 | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Data & credit-check consent | granted | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Normal week sales | 430 | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Cost of goods sold (share of sales) | 0.46 | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Business rent (monthly) | 110 | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Other operating expenses (monthly) | 85 | Claimed | Tendai Moyo | 11 Aug, 12:07 |
| Household expenses (monthly) | 260 | Claimed | Tendai Moyo | 11 Aug, 12:07 |
| Other household income (monthly) | 0 | Claimed | Tendai Moyo | 11 Aug, 12:07 |
| Existing debt service (monthly) | 0 | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Business premises verification | Fife Street workshop, Bulawayo | Verified | Tendai Moyo | 11 Aug, 12:07 |
| Seasonality / slow-week pattern | Peak Jan, trough Dec | Corroborated | Tendai Moyo | 11 Aug, 12:07 |
| Collateral / security | 260 | Corroborated | Tendai Moyo | 11 Aug, 12:07 |
| Character reference | 2 references | Corroborated | Tendai Moyo | 11 Aug, 12:07 |