Mobile Ag-Finance extension: Community
Knowledge Worker support to rural communities
Paul Ssengooba
About Grameen Foundation
Inputs and key
competencies

Domains in which we
can have the greatest
impact

Financial Capital,...
Challenges: Agriculture
• Limited access to markets
• Inadequate extension services

• Limited access to credit
• Climate ...
The Solution: The CKW Initiative
The CKW Business-in-a-Box
Smartphone loaded with apps

CKW Search
47 crops + 10 livestock
Images, GPS

Scale

Solar Charge...
Current framework:

Framework to Integrate
and Adapt Elements to
Context

A tiered model of tailored content and farmer-to...
Progress…
Sustainably improving the lives of small-holder farmers through
access to information and services

36 Districts...
Impact/ Lessons learnt
• CKW as a change agent for behavior and knowledge
IFPRI Study (CKW vs non-CKW areas)
• 30% increas...
Lessons Learned
 As CKWs saturate their parishes with farmer registrations,
we shift our focus to repeat farmer interacti...
Beyond Extension
Inputs

• Inputs Marketing
• Negotiation/Orders
• Delivery Facilitation
• Authenticity Verification
• Inp...
Financial services - Challenges
• Distance to Financial institutions
General Population
(within 5 km radius)

Poor
populat...
Challenge: Distance and cost of
delivery
• Pilot project with Opportunity Bank – using a trusted community of
persons with...
Conclusion
Platform of rural based persons with smart phones key for
adoption
• Agricultural services
• Financial services...
Barriers to finance
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Mobile Ag-Finance extension: Community Knowledge Worker support to rural communities

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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, Rwanda

Published in: Economy & Finance, Business
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  • Disruptive (low cost / high adoption) system change in ‘Last Mile’ extension drives SHF production
  • Our Hypothesis: The tiered model requires integration of financial services, agricultural inputs and output markets to deepen impact and achieve sustainability.The photos provide empirical support that these extended CKW practices are happening today. We can formalize them better and extend them through practices, processes, partnerships and product (the ICT-based services). The photos are from the Uganda coffee value chain: the farmer (Mrs. Furumura) is given market price and inputs advice by her CKW (Mrs. Sanet); Furumura acts on that advice and on the production help from the extension chain (from previous slide) to produce better coffee seedlings, grown to standards; and ultimately, with grading services (from CKW Obidiah), Furumura sells more production at better prices. This INPUTS/EXTENSION/MARKET chain of services via the CKW practice platform encourages investment by the SHF in herself – the process is iterative, and eventually may become self-sustaining. Importantly, these practices and processes can be delivered by various human agents, depending on the context – as complexity increases a network of actors that is established, managed and paid for by GF is recommended.
  • It is pilot we are embarking upon, we are in the process of formalising the engagaments this month
  • Platform holds promiseWorks for agriculture extensionWe are looking at financial servicesInitially mobilisation but eventually data capture – KYC, on farm activities monitoringTrust is keyBarriers in rural areas – literacy, affordability
  • Mobile Ag-Finance extension: Community Knowledge Worker support to rural communities

    1. 1. Mobile Ag-Finance extension: Community Knowledge Worker support to rural communities Paul Ssengooba
    2. 2. About Grameen Foundation Inputs and key competencies Domains in which we can have the greatest impact Financial Capital, Human Capital, Technology, Business model innovation Financial services Agriculture Health Themes Mobile Phones Reaching the Poorest (targeting women) Social Performance Management Solutions we deliver Relevant and actionable information Appropriate financial services Livelihood opportunities (microfranchises)
    3. 3. Challenges: Agriculture • Limited access to markets • Inadequate extension services • Limited access to credit • Climate change • Costly and fake agriculture inputs • Poor rural road infrastructure
    4. 4. The Solution: The CKW Initiative
    5. 5. The CKW Business-in-a-Box Smartphone loaded with apps CKW Search 47 crops + 10 livestock Images, GPS Scale Solar Charger CKW Pulse CKW Survey Simple touch interface Two-way search application Complex surveys, GPS Individual and group messaging Training Marketing Support Financial Support Each CKW Business-ina-Box is Funded by lenders on Kiva.org
    6. 6. Current framework: Framework to Integrate and Adapt Elements to Context A tiered model of tailored content and farmer-to-farmer delivery is crucial to a scalable solution 17/11/2 013 Smartphone Radio Video (Multi-media APPs, Data, Management) Via Extension Agent/CKW/ Feedback Loop Feature Phone (SMS, USSD, Call Center, Radio, Data) Direct to Farmer Farmer-to-Farmer & Group Outreach Extension Agent, CKW (Para Extension), Demo Plots, Field Schools etc Broker inputs Localization, Media Formats, Local Content & Support and financial Review Board (official agencies) Local Content Packaging Executive services User Centered Design Knowledge Base Content Management System Global Research and Content Creation AFSIS, CABI, AGRA, ToToAgriculture, others 6
    7. 7. Progress… Sustainably improving the lives of small-holder farmers through access to information and services 36 Districts 208,953 1,200 Farmers Registered CKWs 1,882,557 19,068 Total Interactions 1,214,525 Info Searches 10 Content partners 35% Villages Reached 73,200 Surveys conducted Female 43% 47+10 Very poor Crops & Animals 26% 27% Repeat Usage Sustainability 7
    8. 8. Impact/ Lessons learnt • CKW as a change agent for behavior and knowledge IFPRI 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
    9. 9. 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
    10. 10. Beyond Extension Inputs • Inputs Marketing • Negotiation/Orders • Delivery Facilitation • Authenticity Verification • Input Guarantee Facilitation • Market Prices • Quality Certification • Supply Aggregation • Group Marketing / Sales • Sale Logistics Facilitation Agricultural Inputs Output Markets Financial Services Financial Services • Service Marketing • Group Mobilization • Risk Data Collection • Loan Application • Loan Monitoring 17/11/2 013 • Advance Input Purchase • Commitment Savings • Buyer Payments • Crop insurance • Marketing 10
    11. 11. Financial services - Challenges • Distance to Financial institutions General Population (within 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 S General Population (Beyond 5 km radius) 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
    12. 12. Challenge: Distance and cost of delivery • Pilot project with Opportunity Bank – using a trusted community of persons with smart phones Bank • • Roles Training on financial products Signs up farmers for accounts/loans Value proposition • • • Rural community GF CKW Deeper reach of rural customers Improved cost of sales for financial products Reduce risk on loans through ag. extension • • • Mobilise farmers for financial products Provide financial literacy Provide agric. extension services • • • Improved access to finances Income smoothing Earnings from mobilisation activities
    13. 13. Conclusion Platform of rural based persons with smart phones key for adoption • Agricultural services • Financial services • .
    14. 14. Barriers to finance

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