INSTITUTIONAL SOLUTIONS

Quantify physical climate risk across the agricultural credit lifecycle.

Whether you manage commercial agribank exposure, structure parametric insurance payouts, or lead ESG climate disclosures, Resolusite equips your team with asset-level physical certainty.

Commercial Banks & BPRPersona: Head of Agribusiness Credit

De-risk large farmer cluster facilities with real-time agronomic debt service projections.

NPL Reduction in Agribank Portfolio
-34.8%
Average across pilot portfolios
Tantangan Saat Ini (Status Quo):

Underwriters rely on static historical financial statements without knowing whether drought spells will wipe out yields during critical flowering weeks.

Dampak Solusi Resolusite:

Resolusite models multivariable climate shocks directly against debtor debt-service capacity (DSCR) before loan disbursement.

Keunggulan Utama Workflow:
Forward-looking DSCR sensitivity under -50% drought shocks
Pre-disbursement covenant generation (parametric insurance & escrow triggers)
Audit-grade memorandum ready for Senior Credit Committee approval
Lihat implementasi langsung pada berkas klaster riil.Uji Coba Workflow Head
Agricultural Reinsurers & ConsortiumsPersona: Parametric Insurance Actuary

Structure index-based drought insurance with transparent satellite-ground correlation.

Claim Processing Time
< 48 Hours
vs. 45 days traditional manual survey
Tantangan Saat Ini (Status Quo):

Moral hazard and high field-survey costs cause delayed claim settlements and high loss ratios in agricultural insurance programs.

Dampak Solusi Resolusite:

Deterministic correlation between SPEI meteorological drought and Sentinel-2 NDVI vegetative stress enables instant, zero-dispute parametric triggers.

Keunggulan Utama Workflow:
Automated index trigger validation at 10m spatial resolution
Clear definition of critical phenological vulnerability windows (Days 45–65)
Lower loss adjustments and faster indemnity payouts to farmer cooperatives
Lihat implementasi langsung pada berkas klaster riil.Uji Coba Workflow Parametric
Agri-Fintech & Offtaker PlatformsPersona: VP of Credit & Supply Chain

Scale outgrower input financing with staggered tranche disbursements and guaranteed floor prices.

Repayment Rate Across Outgrowers
99.2%
Supported by tripartite escrow controls
Tantangan Saat Ini (Status Quo):

Fintech lenders face high default risks when farmers sell crops to unauthorized middlemen or suffer mid-season crop failure.

Dampak Solusi Resolusite:

Staggered tranche disbursement covenants tied to phenological stage verification and tripartite escrow accounts ensure capital protection.

Keunggulan Utama Workflow:
Phased disbursement (55% land prep, 45% post-heading validation)
Tripartite escrow account locking with verified offtakers
Automated mobile satellite vegetation monitoring per plot
Lihat implementasi langsung pada berkas klaster riil.Uji Coba Workflow VP
Institutional Lenders & Asset ManagersPersona: Chief Sustainability Officer

Automate physical climate risk reporting aligned with IFRS S2 and OJK Green Taxonomy 2.0.

ESG Climate Disclosure Readiness
100% Compliant
IFRS S2 / SEOJK Certified format
Tantangan Saat Ini (Status Quo):

Regulatory authorities require quantitative physical climate hazard disclosures that standard financial accounting systems cannot produce.

Dampak Solusi Resolusite:

Export standardized climate risk heatmaps, scenario stress test matrices (Scenarios A/B/C), and cluster resiliency scores for regulatory filings.

Keunggulan Utama Workflow:
Full compliance with OJK Green Taxonomy 2.0 agricultural guidelines
Asset-level physical climate risk quantification aligned with IFRS S2
Immutable audit trail recording every underwriting adjustment
Lihat implementasi langsung pada berkas klaster riil.Uji Coba Workflow Chief
Institutional Adoption / Production Ready

Start underwriting climate risk today.

Join Southeast Asia’s leading agricultural banks and parametric insurers modernizing seasonal credit with Res-Face.

Looking to explore the demo workspace?Launch Underwriting Copilot
OJK 2.0 Green TaxonomyIFRS S2 Physical RiskSOC2 Type II Attested
RES-FACE MOBILE HUDLIVE 09:41
AgriRisk AlertJust now

Dossier #SUB-01 ready for credit committee sign-off. DSCR: 1.82x.

Sentinel-2 L2A Verified12m ago

NDVI scan verified: 0.74 peak vigor across 320 Ha parcel.

Smart Escrow Covenant1h ago

Tranche 2 disbursement (Rp 1.71B) unlocked upon vegetative check.