Instant, affordable credit for Kenya's tea farmers through technology-enabled financial inclusion
KTDA's processing creates recurring cash flow crises for farmers who need immediate income for household expenses, farm inputs, and emergency costs.
Farmers resort to informal lenders charging 15-25% monthly interest rates, creating devastating debt cycles that trap families in poverty.
Traditional banks view smallholder farmers as high-risk, low-value customers, systematically excluding them from formal financial services.
Rural farmers lack access to financial education, making them vulnerable to exploitation and unable to make informed financial decisions.
Farmer delivers tea to KTDA collection center, data is recorded in real-time
System calculates advance eligibility based on delivery history and credit score
Farmer dials *384*7243# to request cash advance via feature phone
Cash lands in M-Pesa wallet within minutes, emergency resolved
Advance automatically deducted when KTDA payment arrives
Transform daily tea deliveries into verified collateral, eliminating traditional asset requirements for loans.
Accessible via USSD, SMS, mobile apps, and web platforms, ensuring financial inclusion across the digital divide.
Automated loan processing and disbursement within minutes, not days or weeks like traditional banking.
Integrated financial literacy modules in local languages help farmers make informed financial decisions.
Bank-grade security with multi-factor authentication, encryption, and regulatory compliance.
Every transaction builds verifiable credit history, opening doors to additional financial services.
Monthly savings staying in rural communities instead of flowing to predatory lenders
Tea farmers gaining access to formal financial services for the first time
Reduction in borrowing costs compared to informal lenders
Platform uptime ensuring reliable access to financial services
Monthly interest rates vs 15-25% charged by informal lenders
Concurrent users supported by scalable cloud infrastructure
Seamless integration with KTDA, banking systems, and mobile money platforms
Modern web interfaces and progressive web apps for smartphone users
Feature phone compatibility ensuring accessibility across the digital divide
AI-powered credit scoring and risk assessment for data-driven lending decisions
Immutable transaction records and smart contracts for automated operations
Multi-channel user interfaces
Core application services
Secure data management
External system connections
Seasonal payment cycles and investment needs
Daily cash flow support and feed financing
Seasonal investment and input financing
Replicable model across East Africa
Seeds, fertilizer, and equipment financing integrated with delivery-based repayment
Crop, weather, and life insurance products tailored for agricultural communities
Agricultural training, best practices, and technical support delivery
Direct buyer connections and price discovery for farmers' produce
Efficient distribution of subsidies and support programs through digital channels
Pathway to savings, investment products, and comprehensive financial services
Join us in revolutionizing financial inclusion for Kenya's farmers through technology-enabled solutions that create value for everyone in the agricultural ecosystem.