Announcing a transformative pilot project to facilitate Finance to Rural Farmers.

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:

1. Njombe TC Farmer Excellent Center powered by MazaoHub Precision Technologies (Pilot 5,000 Avocado, Potato and other Farmers)
2. Kidete-Kilosa Morogoro Farmer Excellent Center (Pilot 2,000 Onion Farmers and other horticulture )
3. Malagano Rukwa – Sumbawanga Farmer Excellent Center (Pilot 4500 Wheat Farmers and pulses)
4. Raela – Sumbawanga Farmer Excellent Centers (Pilot 2000 Maize and Pulses Farmers)
5. Newala – Mtwara Farmer Excellent Center (Pilot 3000 Pigeon Pea and Sesame Farmers)
6. 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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