Seven insights from Kenyan Value Added Service Providers delivering digital solutions to small holder farmers

Finding viable solutions to deliver financial and non-financial digital services to Kenyan small holder farmers may sometimes feel comparable to discovering the lost city of Atlantis. Both pursuits, led by explorers enamored with fulfilling activities, often conclude in more failures than successes. Fortunately, there are many Kenyan explorers: AFA’s Ecosystem Review uncovered at least 125 potentially sustainable technology firms that aim to offer a range of digital solutions that may…

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Agricultural Market systems failure may lead to low demand for financial services by Smallholder farmers

Agricultural Market systems failure may lead to low demand for financial services by Smallholder farmers

An agricultural market system includes the full range of products, services and relationships such as access to finance, inputs, information, formal and informal rules, policies and logistics, buyers and so on. These products and services work together more or less based on demand and determine the interaction between smallholder farmers and the end market. Where the interactions do not function well resulting in lack of information, poor infrastructure, limited access…

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Kenyan Farmers Go Digital

I decided to give it (digital marketing) a try after I saw it being advertised on television, and to my surprise it worked!” Says Cornelius Kiptoo, a 26 year old farmer from Metkei village, Uasin Gishu County, some 400 Kilometers from Nairobi, Kenya. Cornelius is a smallholder farmer who grows oats, potatoes, maize, and vegetables and also keeps dairy cows. In the past, he sold his farm produce to middlemen…

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More capability, less complexity: Farmer Capability channels

Like most small-holder farmers in his area, Jeremiah Njoroge, seen above, actively seeks out useful and relevant information to support his farming enterprise. Radio happens to be top source of this information for him. “I listen to Inooro’s ‘Sauti ya Mkulima’ programme” he says with a satisfactory grin in response to our question. “Sauti ya Mkulima (‘The Voice of the Farmer’ in English) is a radio programme that airs at…

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MoMo and the Small Holder Farmer (MoMo – Mobile Money)

Mobile Money aka MoMo was conceived in 2007 in Kenya. Earlier close relatives in East Africa and distant relatives in Asia, such as Smart Money in the Philippines, had begun their life trek a few years earlier, but few have grown to colossal heights as the Kenyan product. Indeed with platform capacity of 900 transactions per second, an agent network of over 80,000 points, a merchant network of over 100,000…

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Driving Digital Inclusion for Smallholders – An Ecosystem Approach

Digital technology can be a powerful tool to reach smallholders with information, market linkages and financial services with extremely low costs at sufficient scale. A recent McKinsey study estimates that mobile and internet technology can drive up to $3 billion in annual agricultural productivity gains by 2025.[i] However, McKinsey points to the specific scale challenge for mobile agriculture services, recommending focus on the full ecosystem around farmers, including warehousing, logistics,…

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Building transparency through digital systems and collaboration with Youth

When Ichagi youth group was formed in 2011, one of the early decisions the group made was to open a bank account where they could hold proceeds from their members’ contributions and from product sales. “This was an important step because we did not want to be like other groups that got destroyed by lack of transparency and accountability,” explains Hilary Muigai, the group secretary. Poultry keeping in Kenya Kenya…

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Frank Murimi, 56 Wife is Wambui Murimi 47 Youngest son is Alex macharia, 25 helps with the farm. Eldest son is Mark 28 works in Water Resource Mgt They grow Macadamia, coffee, arrow root, bananas, poultry goats3 and 3 kids, 2 bulls. Chickens 20... 5eggs a day. Usually to eat then sell. Phone : Frank’s phone make is ForMe. No internet. Helps with MPESA, talks with friends about farming and market. Message is better than talking network is sometimes bad so messaging better. Wambui: Nokia old school Alex: smart phone. Charges at local charge shop in town Riakiania village, market centre, kirinyaga county. Frank was a technological instructor in Kitui, Kakamega, Busia and Nairobi at Youth Polytechnics. Retired. Coffee: starts producing in Sept stays producing for 3months to pick. Kuchuna means to pick in Kiswahili. They pick Weekly. Coop factory is called Riakiana Cooperative where they take the coffee for sorting. 30kg a week but it will go up as the season continues. “We come back with the low grade coffee after its sorted we make our own with that”. These images are to accompany research being conducted by Research Solutions Africa for Mercy Corps's AgriFin Mobile and AgriFin Accelerate programs, a 6 year %25 million initiative funded by the MasterCard Foundation working in Kenya, Tanzania and Zambia. The aim of the programs is to support the expansion of digital financial services (DFS) to 1 million farmers in Sub-Saharan Africa (SSA) over 6 years, delivered by growing ecosystems of diverse service providers. AgriFin Accelerate's primary target group is unbanked smallholder farmers living on less than $2/day.

Does SMS work?

SMS or Short Messaging Service has been in use as a marketing and learning tool for years now. Many organizations have used this mode of communication to try to create awareness, drive new sales, send reminders, and more recently, to use it as a learning and survey tool. Its simplicity, direct approach, relatively cheaper costs compared to other tools and increased mobile penetration has escalated its popularity over the years…

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Smallholder farmers and commercial bank loans: “Why I may never take a loan”

“Last year, a bank offered me a loan of USD 2,100 but I declined,” says Anne Bett, a dairy farmer from Lessos in Nandi County, in the Rift Valley of Kenya. Anne is a knowledgeable small-scale dairy farmer with six cows that produce 33 litres of milk per day. She practices mixed farming, and besides dairy, she also keeps 250 chickens and grows maize for silage. Anne has a bank…

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Satellite imagery in the agricultural sector in Kenya: What happens next?

With increasing need to improve the output from farm land and the quality of farm produce, many initiatives have been utilized to improve the agricultural sector. The initiatives normally encompass research on market access, provision of training to farmers, information dissemination to farmers among others. All in all, most practitioners agree a need to improve the management of agricultural resources remains. In order for this to happen one must be…

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