MazaoHub AgClimate Limited, a climate data-driven agritech company is
partnering with financial institutions. This collaboration with financial
institutions, aims to empower more than 15,000
pilot farmers across 7 farmer excellent centers; popularly known as Kliniki
za Kilimo in Swahili during the next
farming season.
Farmer Excellent Centers (Kliniki za Kilimo in Swahili ) serve as central
hubs equipped with:
- Agricultural
ICT tools (smartphones, computers, tablets)
- Low-Cost Solar
Powered Soil sensors
- Simple to Use
MazaoHub Crop health detection App
- Post-harvest
tools
- Transportation
(motorcycles)
- Field officers/Agronomists
These centers are like health diagnostic clinics for diagnosis and prescription
in farming that provide:
- AI-powered
agronomic guidance
- Soil analysis
services
- Crop monitoring
- Weather
forecasts
- Pesticide
application plans
- Farm record
keeping & data collection
- Resilient seeds
distribution
- Postharvest
tools
- Loan monitoring
throughout the production cycle
Benefits for Farmers:
- Access to
finance: The project offers agriculture-specific loans tailored to various
stages of the value chain, with flexible terms and affordable interest
rates.
- Reduced risk
and increased profitability: Leverage MazaoHub's technology
and expertise to ensure loan adherence, timely repayments, and reduced
defaults.
- Weather and
crop insurance: Protection against financial losses due to unpredictable weather
events, pests, and diseases.
- Loan monitoring
and repayment tracking: MazaoHub's data collection and
monitoring capabilities ensure timely loan repayments and minimize
defaults.
- Financial
literacy initiatives: Workshops and resources to
empower farmers to make informed financial decisions.
Pilot Program Locations:
- Njombe TC Farmer
Excellent Center powered by MazaoHub Precision Technologies (Pilot 5,000
Avocado, Potato and other Farmers)
- Kidete-Kilosa
Morogoro Farmer Excellent Center (Pilot 2,000 Onion Farmers and other
horticulture )
- Malagano Rukwa –
Sumbawanga Farmer Excellent Center (Pilot 4500 Wheat Farmers and pulses)
- Raela –
Sumbawanga Farmer Excellent Centers (Pilot 2000 Maize and Pulses Farmers)
- Newala – Mtwara
Farmer Excellent Center (Pilot 3000 Pigeon Pea and Sesame Farmers)
- Mang'ula and
Ifakara – Morogoro Farmer Excellent Center (Pilot 2500 Rice Farmers)
MazaoHub's Role:
- Farmer
onboarding and pre-qualification
- Loan
application facilitation
- Technical
assistance (training, resources)
- Production and
loan adherence monitoring
- Buyer
connection facilitation
- Loan recovery
support
Financial Institution's Role:
- Affordable loan
products development
- Loan
application processing
- Loan fund
disbursement
- Loan repayment
management
- Collaboration
with MazaoHub for continuous improvement
Loan Disbursement and Repayment Model:
- Loan
disbursement:
- Farmers must
belong to recognized groups and open accounts with the financial
institution.
- Loans are
provided to individual farmers within the group.
- Funds are
disbursed directly to MazaoHub Farmer Excellent Centers licensed or to licensed
input suppliers recommended by MazaoHub for secure input distribution
based on individual needs.
- MazaoHub
supervises the distribution of inputs to ensure they align with agronomic
recommendations.
- Loan repayment:
- Farmers are
expected to achieve a 10x increase in productivity with the provided
inputs and technical guidance.
- MazaoHub bears
the initial risk of ensuring improved productivity through proper input
use.
- Each input is
tracked for optimized resource utilization.
- Farmers repay
loans from crop sales proceeds, facilitated by MazaoHub's market
linkages.
Benefits of the Model:
- Reduced risk
for both farmers and the financial institution
- Targeted input
utilization
- Improved
productivity and loan repayment ability
- Market access
for smooth loan repayment
MazaoHub Food Distribution Model:
MazaoHub, in partnership with relevant stakeholders, has mapped food
vendors and distributors. This data is used to manage food distribution and
market linkages through a network called FoodHubs.
Benefits of FoodHubs:
- Comprehensive
mapping: Creates a foundation for efficient food distribution.
- Farmer Excellent
Center Integration: Ensures organized supply from
farmers and simplifies connections with buyers.
- Connecting the
dots: MazaoHub's platform will connect farmers with diverse market
players through a global market intelligence system.
- Increased
Transparency and Trust: Data-driven tracking provides
transparency for both farmers and buyers, building trust and informed
decision-making.
- Quality
Assurance: Focuses on maintaining quality standards throughout the supply
chain.
MazaoHub's Long-Term Vision
MazaoHub's vision extends beyond this pilot project. The 10-year plan
outlines a strategic roadmap for revolutionizing Africa agriculture and
achieving significant impact across Africa:
Phase 2: Scaling Up (Next Farming Seasons)
- Establish over
70 Kliniki za Kilimo, serving more than 5,000 farmers each (reaching over
300,000 farmers).
- Expand to a
wider range of crops, including cereals, pulses, oilseeds, fruits,
vegetables, cash crops, roots and tubers, livestock, and fishery.
Key Strategies for Expansion:
- Extend the
Pilot Program: Offer loans, data-driven farm insights, and personalized agronomic
support to over 250,000 Tanzanian farmers.
- Launch
MifugoHub.com: A dedicated platform for comprehensive livestock and fishery
management, providing production monitoring and veterinary support.
- Refine
Technology Platform: Enhance data analytics, mobile
app functionalities, and farmer training modules.
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