2. Kilimo Salama Mobile Application Stockists are given a mobile phone with the Kilimo Salama application. When a farmer wishes to purchase insurance the stockist starts the Kilimo Salama application and the following steps are performed. (1) The farmer is asked which weather station is closest to his/her farm.
3. Scan Purchases (2) The stockist scans the QR code for each purchase requiring insurance. The QR code captures the crop, insurance type, product and amount purchased (3) The purchases are listed and confirmed
4. Record farmer’s details (4) The stockist enters the mobile number of the farmer (5) The Kilimo Salama application transmits the purchase details to a server in Switzerland
5. Farmer receives confirmation (6) The insurance policy is automatically created on the server and the farmer receives an instant confirmation of his/her insurance coverage via SMS. The weather stations are monitored during the season and in the event of a drought the compensation payout is transferred directly onto the farmers mobile phone using a mobile payment service called M-Pesa. No claims forms or middlemen are required.
