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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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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Different Farmers, same location, different coping mechanisms

Meet Philomena Njoki a cheerful mother of thirteen and grandmother of many children, one of who sits on her lap while the others mill around her as we talk. Philomena, a dairy farmer in Ndumberi, Kiambu County about twenty kilometers from Nairobi, Kenya, is a member of Ndumberi Dairy Farmers Cooperative. She has a one acre mixed farm where she keeps two dairy cows and grows coffee and maize. She…

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