How AgriFin Works

Patricia Nthenge at her home. Like many people in rural Kenya, Patricia relies on rain-fed agriculture to support her family, a livelihood that has become increasingly fragile with the growing effects of climate change. Patricia has been using the DigiFarm program for two years and says it has helped her a lot. She got her soil tested, has access to better seeds, and might eventually use the digital lessons on raising poultry to build a business raising chickens.
We employ a market facilitation model to drive collaboration and innovation for smallholder agriculture between financial institutions, mobile networks, educators, tech start-ups & government.
Farmer Focused
〉 Our core objective is to address the inclusion gap for smallholder farmers (SHF) who lack access to affordable, accessible, demand-driven financial products and services that drive higher productivity and income for their households. Digital tools and platforms can help overcome these challenges as well as improve farmers’ digital literacy, agronomic knowledge and practices, and market linkages.
Driving Scale
〉 Through a combination of technical expertise and financial support for product and channel innovation, we work with banks, mobile network operators, farmer aggregators, rural extension providers and technology actors with existing applications and platforms, to help them develop, scale and deliver viable solutions for smallholders.
Bundled Services
〉 Bundling (joining products or services into a single combined or linked unit) can reduce service delivery costs and address customer awareness and uptake constraints. We employ a phased approach which sequentially adds products linked to farmer trust, demand and capabilities, layering in more complex products as farmers become more familiar with new services and channels.
AGRIFIN ENGAGEMENT MODEL
