Financial Institutions

De-Risked Lending. Verified Farmers. Real-Time Monitoring. Assured Repayment.

Accessing and financing the agriculture sector in Africa has always been seen as high-risk.
Farmers lack records. Input use is uncertain. Harvest performance is untracked. Buyers disappear. Loans default. Trust erodes.

But with MazaoHub, this changes.
We offer financial institutions a fully integrated, transparent, and data-backed agriculture ecosystem — that works like a closed-loop value chain, built on structure, tech, trust, and proof.

 Why MazaoHub Matters to Banks, MFIs, Credit Unions & Impact Funds:

• You want to finance more farmers — but safely.

• You want to lend to input dealers and agribusinesses — with repayment assurance.

• You want to invest where you see impact and data.

• You want credit guarantees and performance-based disbursement.

• You want systems that protect the money and prove the outcome.

That’s exactly what MazaoHub delivers.

 The MazaoHub Model: A Smart, Monitored Holy Trinity

At the core of our system is a digitally governed triangle — what we call the Holy Trinity of Agriculture Lending:

✅ 1. The Farmer

Receives digital agronomy support, inputs, soil testing, and precision farming tools — with every activity tracked in our platform.

✅ 2. The Input Dealer

Supplied with credit to serve verified farmers. Inputs are dispatched with digital receipts, and distribution is monitored in real time by MazaoHub.

✅ 3. The Contracted Buyer (Off-taker)

Signs forward contracts and receives farmer harvests — traceable to input use, production plan, and expected output.

👉🏽 MazaoHub connects and monitors all three in real time, ensuring money moves only when milestones are met — and harvests are sold under controlled terms.

How It Works for Financial Institutions:

 Step 1: Lending with Structure

You disburse funds to the Input Dealer, not the farmer directly.
But the farmer is mapped, verified, and guided by MazaoHub’s agronomy team.
Each farmer has a digital plan, including soil results, crop choice, input prescription, and expected yield.

 Step 2: Monitoring in Real Time

MazaoHub monitors:

• Input delivery (date, volume, type)

• Application of inputs in the field

• Farm activities, labor, disease alerts, and compliance

• Weather, irrigation, and performance data

• Farmer progress vs yield forecast

You can see it all in live dashboards, or receive automated reports via email or API.

 Step 3: Harvest, Sales, and Repayment

When harvest comes:

• MazaoHub coordinates delivery to the contracted off-taker

• Crop is weighed, valued, and sold — with digital receipts

• Proceeds are distributed first to repay the loan, then to the farmer

• A full cycle is completed, with traceability

This system ensures:
✔️ Less default
✔️ Controlled cash flows
✔️ Productive use of credit
✔️ Scalable loan recycling

 Tools & Features for Lenders:

 1. Loan Portfolio Dashboard

Track every farmer or dealer financed, linked to specific inputs, seasons, locations, and repayment timelines.

 2. Digital Credit Files

Each farmer has:

• Geotagged land profile

• Soil test reports

• Input history

• Crop calendar

• Harvest forecast

• Off-taker agreements

 3. Geo-Mapping & Activity Logs

From planting to harvest, every farmer’s activities are validated — enabling smarter loan management and risk assessment.

 4. Disbursement Controls

Funds can be released in tranches:

• Soil test complete? ✅

• Inputs delivered? ✅

• Field monitored? ✅

• Contract signed with buyer? ✅
  Then — disburse.

 5. Loan Recycling & Repeat Lending

After repayment, same farmers (or same input dealers) become eligible again — building trust-based repeat lending.

 Guarantee & Blended Finance Ready

MazaoHub’s structure has already worked with:

• Credit guarantees

• Impact funds

• Development bank partnerships

• Insurance integrations

• Digital wallets and mobile money payout

It works with or without collateral, because data replaces physical security.

Tech + Touch: Your Assurance in the Field

• Tech: MazaoHub’s software collects every data point – soil, weather, yield, inputs, sales

• Touch: Agronomists on the ground verify actions, support farmers, and collect evidence

This hybrid model means your investment is guided, supervised, and backed by real action — not just reports.

 Example: How One Cycle Works

1. You approve $100,000 for inputs in Singida

2. MazaoHub maps 1,000 maize farmers and delivers soil kits

3. Inputs are dispatched to verified dealers and farmers

4. Agronomists monitor usage; software tracks performance

5. Buyers (off-takers) pre-contract the harvest via CropSupply.com

6. Harvest is sold, loan is repaid, reports are generated

7. Farmers become pre-approved for next season

This model is repeatable, scalable, and trusted.