mobile ag-finance extension: community knowledge worker support to rural communities
DESCRIPTION
Presentation by Paul Ssengooba, Business Development and Partnerships Manager, Grameen Foundation AppLab Parallel Session: ICTs/Mobile Apps for Access to Financial Services and Insurance on 7 Nov 2013 ICT4Ag, Kigali, RwandaTRANSCRIPT
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Paul Ssengooba
Mobile Ag-Finance extension: Community Knowledge Worker support to rural
communities
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About Grameen Foundation
Relevant and actionable
information
Appropriate financial services
Livelihood opportunities (microfranchises)Solutions we deliver
Domains in which we can have the greatest impact
Financial services
Agriculture Health
Mobile Phones
Reaching the Poorest (targeting women)
Social Performance Management
Them
es
Financial Capital, Human Capital, Technology, Business model innovation
Inputs and key competencies
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• Limited access to markets
• Inadequate extension services
• Limited access to credit
• Climate change
• Costly and fake agriculture inputs
• Poor rural road infrastructure
Challenges: Agriculture
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The Solution: The CKW Initiative
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The CKW Business-in-a-Box
Financial Support
Each CKW Business-in-a-Box is Funded by lenders on Kiva.org
Smartphone loaded with apps Solar Charger
Training Marketing Support
CKW Search47 crops + 10 livestockImages, GPS
CKW SurveySimple touch interfaceComplex surveys, GPS
CKW PulseTwo-way search application Individual and group messaging
Scale
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6
Video
Broker inputsand financial
services
Global Research and Content CreationAFSIS, CABI, AGRA, ToToAgriculture, others
Localization, Media Formats, Local Content & SupportExecutive Review Board (official agencies) Local Content Packaging User
Centered Design Knowledge Base Content Management System
Farmer-to-Farmer & Group OutreachExtension Agent, CKW (Para Extension), Demo Plots, Field Schools etc
Smartphone(Multi-media APPs, Data, Management)
Feature Phone (SMS, USSD, Call Center, Radio, Data)
Radio
Via Extension Agent/CKW/ Feedback Loop Direct to Farmer
Current framework: A tiered model of tailored content and farmer-to-farmer delivery is crucial to a scalable solution
Fram
ewor
k to
Inte
grat
e an
d Ad
apt E
lem
ents
to
Cont
ext
12/04/2023
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7
Farmers Registered208,953
Total Interactions
1,882,557
Repeat Usage
27%
Districts36CKWs
1,200
Info Searches1,214,525
Surveys conducted
73,200
Crops & Animals
47+10
Villages Reached
19,068 Female35%
Sustainability26% Content
partners10
Very poor43%
Sustainably improving the lives of small-holder farmers through access to information and services
Progress…
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Impact/ Lessons learnt
• CKW as a change agent for behavior and knowledgeIFPRI Study (CKW vs non-CKW areas)
• 30% increase in extension services• Increase in farmer knowledge (17%)• Higher farm gate prices (22%)
• Mobile Technology platform delivers multi-media content
• Performance management and growth plan key for CKWs
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Lessons Learned
As CKWs saturate their parishes with farmer registrations, we shift our focus to repeat farmer interactions to increase adoption
Full utilization of agent network for adoption focused extension ( adoption drive)
• shifting our content tools and approaches from demand driven extension to proactive outreach
• Farmer grouping structure
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10
Inputs
Agricultural Inputs
Financial Services Financial Services
Output Markets
• Inputs Marketing• Negotiation/Orders • Delivery Facilitation• Authenticity Verification• Input Guarantee Facilitation
• Market Prices• Quality Certification• Supply Aggregation• Group Marketing / Sales• Sale Logistics Facilitation
• Service Marketing• Group Mobilization• Risk Data Collection• Loan Application• Loan Monitoring
• Advance Input Purchase• Commitment Savings• Buyer Payments• Crop insurance• Marketing
12/04/2023
Beyond Extension
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S
Financial services - Challenges
• Distance to Financial institutionsGeneral Population(within 5 km radius)
General Population(Beyond 5 km radius)
Poor population(5km)
Urban 99%(4,246,486)
1%(42, 465)
11.3%(484,407)
Rural 28.4%(8,278,713)
71.6%(20,876,096)
25.5%(2,823,391)
Total 37.5%(12,526,951)
62.5%(20,918,560)
28.6%(3,308,001)
• Lack of knowledge about financial products
• Lack of appropriate products
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Challenge: Distance and cost of delivery
• Pilot project with Opportunity Bank – using a trusted community of persons with smart phones
BankGFCKW
Rural community
• Training on financial products• Signs up farmers for accounts/loans
• Mobilise farmers for financial products• Provide financial literacy• Provide agric. extension services
• Deeper reach of rural customers• Improved cost of sales for financial products• Reduce risk on loans through ag. extension
• Improved access to finances• Income smoothing• Earnings from mobilisation activities
Roles
Value proposition
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Conclusion
• Agricultural services• Financial services• .
Platform of rural based persons with smart phones key for adoption
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Barriers to finance