The bid to Indian Council of Social Science Research, Domain area of Growth, Macro Trade and Economic Policy, for research project is a first sector-wide credit rating/scoring system linking to (or, depending on government UID security assurances, ready to be linked to) the national database for online creditworthiness evaluation at the individual BoP borrower level, as well as rich, detailed data for use in further research. Outcomes include journal articles and report in the form of book would also help microfinance institutions and policy makers. Bid PI: Dr H. Rajeshwari, Karnataka State Open University, Mysore, India. I am named Expert in the bid which is at final stage of evaluation at ICSSR.