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Fin4Ag conference: S47:
Agricultural digital finance: more than
payments
The Musoni business Model
2
James Onyutta, Musoni (Kenya)
James Onyutta has 13 years' multinational experience in
micro-finance. He joined Musoni Ke...
Cashless
3
2010 Late 2012
Musoni App
Client registration
Loan Application
24 hour turn around
Early 2013
Kilimo Booster
• Targeting small holder
farmers
• Customized to farmers
cashflow
• Flexible repayment terms,
grace periods...
5
2013 to 2014
Data Analytics
Data Intelligence
Customer relationship
management/Credit reference
Kilimo Booster – What does this mean
for Musoni
6
ClienNtEngagement
www.musoni.co.ke
7
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Agricultural digital finance: more than payments. The Musoni business model

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Presentation by James Onyutta (Musoni) at the Fin4Ag Conference - Nairobi, July 2014

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  • Key findings through this process
    Innovation is more than product improvement; delivery channels, risk management and support service intergration key
    Key findings on data collected showed in many cases livestock was held as a risk mitigator, Landsize did not determine a farmers level of productivity but rather innovation was key to productivity
    Final product to cover working capital support, asset financing and start up ventures to support expansion, growth and diversification
  • Credit scoring – Risk based analysis can significantly lower operations costs hence pass this to our clients
    Testing and building models around Geographies, Demographics, financial, Social among others
    Ability to add Mobile airtime and MM transactions, including social patterns based on mobile information e.g call, sms, mm
    Critical to build a history of comparable data in order to identify key segments
    Based on risk levels, automate loan process and reduce management time and money in loan underwriting process

  • Key findings through this process
    Innovation is more than product improvement; delivery channels, risk management and support service intergration key
    Key findings on data collected showed in many cases livestock was held as a risk mitigator, Landsize did not determine a farmers level of productivity but rather innovation was key to productivity
    Final product to cover working capital support, asset financing and start up ventures to support expansion, growth and diversification
  • Key findings through this process
    Innovation is more than product improvement; delivery channels, risk management and support service intergration key
    Key findings on data collected showed in many cases livestock was held as a risk mitigator, Landsize did not determine a farmers level of productivity but rather innovation was key to productivity
    Final product to cover working capital support, asset financing and start up ventures to support expansion, growth and diversification
  • Transcript of "Agricultural digital finance: more than payments. The Musoni business model"

    1. 1. Fin4Ag conference: S47: Agricultural digital finance: more than payments The Musoni business Model
    2. 2. 2 James Onyutta, Musoni (Kenya) James Onyutta has 13 years' multinational experience in micro-finance. He joined Musoni Kenya Limited in October 2013 as the Chief Executive Officer. He was previously the Chief Financial Officer of FINCA Uganda Limited, prior to this James was a key part of a management team that led the FINCA Tanzania team towards its transformation into a deposit taking institution and the launching of FINCA Africa region's first mobile money channel of payments in Tanzania. James is a Chartered Accountant and holds a Bachelors Degree in Business Administration and management from Uganda Martyrs University.
    3. 3. Cashless 3 2010 Late 2012 Musoni App Client registration Loan Application 24 hour turn around Early 2013
    4. 4. Kilimo Booster • Targeting small holder farmers • Customized to farmers cashflow • Flexible repayment terms, grace periods, accross variety of the Ag value chain 4
    5. 5. 5 2013 to 2014 Data Analytics Data Intelligence Customer relationship management/Credit reference
    6. 6. Kilimo Booster – What does this mean for Musoni 6 ClienNtEngagement
    7. 7. www.musoni.co.ke 7
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