Farmerline 3

Ghana

Farmerline 3

Farmerline

Invester i en virksomhed

+ 374 andre investorer

Farmerline, a social enterprise in Ghana, supports 2,650 small-scale farmers by offering agricultural machinery and fertilizer on credit. This direct loan to Farmerline, selected by an external partner, facilitates sustainable agriculture and improves the livelihoods of the farmers.

€100,000

Beløb

6.50%

Interesse

36 måneder

Modenhed

6 måneder

Tilbagebetalinger

EUR

Valuta

Beløb	€100,000
Interesse	6.50%
Modenhed	36 måneder
Tilbagebetalinger	6 måneder
Valuta	EUR

100%

Fuldt finansieret på 17 dage på 28 Juni 2024.

Projektet

This is a direct loan to the company Farmerline, selected by an external partner.

This loan will help Farmerline finance affordable fertilizers and equipment like tractors for 3,985 smallholder farmers, directly delivering these agro-inputs to their doorstep - while paying on credit. Farmerline, based in Ghana, is dedicated to empowering smallholder farmers to make agriculture profitable and sustainable. Take Farmer Sam, for example; he benefited from receiving fertilizers on credit and later used Farmerline’s services to access the latest market prices on his phone, ensuring he could sell his produce at a fair price and protect himself from middlemen exploitation.

By educating farmers on climate-smart agriculture, Farmerline promotes sustainable farming techniques that improve soil health, water efficiency, and crop resilience. Moreover, Farmerline's Mergdata offers voice-call services in local languages for farmers often lacking mobile data, providing them access to real-time weather forecasts, market trends, and expert advice. This helps them make informed decisions, increasing yields and profitability, much like it did for Sam. Overall, Farmerline’s comprehensive approach supports farmers' success in a challenging agricultural landscape, ensuring economic stability and environmental sustainability.

Watch how farmer Salima transformed her life and family's future through perseverance and help from Farmerline in Ghana:

What social return could your investment make?

Farmerline boosts smallholder farming by enhancing agricultural productivity and improving livelihoods. It connects over 123,000 farmers globally through its innovative Mergdata software. The platform supports agribusinesses, food manufacturers, NGOs, and governments with crucial data for ensuring farmers worldwide achieve sustainable profits. By directly sourcing from smallholder farms and bypassing middlemen, Farmerline connects tens of thousands of farmers to markets and offers comprehensive training, significantly increasing their net profits and advocating for climate-smart practices. With 51% of its clientele being women, Farmerline addresses gender gaps in rural areas, promoting economic growth alongside sustainable agriculture.

*An employee from Farmerline shows farmer Sam how he can use technology to improve his yield.*

What financial return could your investment generate?

Annual interest rate 6.5%
The maturity of the loan is 36 months
Grace period: This project has a grace period. After 18 months, you will receive your first repayment of your investment, and thereafter, you will receive a repayment every 6 months.
With an investment of 1,000 euros, your expected total repayment would be 1.124 euros.

The story of Farmerline

Agriculture significantly contributes to the economy of Ghana, accounting for around 20% of the Gross Domestic Product (GDP) and providing employment for nearly half of the workforce. The sector, primarily made up of small, traditionally family-run farms, faces numerous challenges, including access to quality seeds, lands, credit facilities, and markets.

Farmerline is a Ghanaian agri-technology company founded in 2013, dedicated to improving the livelihoods of farmers in Africa. It addresses these agricultural challenges by connecting over one million farmers across 33 countries to essential agricultural information and services via mobile technology.

Virksomhedens navn	Farmerline
ADMINISTRERENDE DIREKTØR	Alloysius Attah
Grundlagt	2012-02-10
Beliggenhed	Accra
Sektor	Landbrug
Omsætning	€13,900,515
Medarbejdere	76
Kreditvurdering	B

Påvirkning

Farmerline omformer livet for småbønder til iværksættere med deres opfindsomme løsninger. De leverer vigtige tjenester og data, der løfter landmændenes produktivitet og levebrød betydeligt og skaber bedre indkomst- og jobmuligheder. Med en vision om at sikre varige overskud for landmænd gennem teknologi har Farmerline allerede gjort en stor forskel:

- Digitalt forbundet over 123.000 landmænd og udvidet deres innovative Mergdata-software til over 1,7 millioner landmænd globalt og hjulpet dem med at navigere i udfordringerne i det moderne landbrug.

- Forbedret landbrugets værdikæde ved at:

Direkte indkøb fra landmænd, uden om mellemmænd.
Med succes at forbinde 30.000 landmænd til markedet i 2021 og yderligere 20.100 i 2022, hvilket svarer til ca. 39 % af deres kundekreds.

- Forpligtet til at styrke landmændene med viden og færdigheder gennem:

Omfattende træningsprogrammer, der har til formål at bygge bro over huller i uddannelse og læsefærdigheder, øge produktiviteten og sikre fødevaresikkerhed.

- Tilmeldte alle landmænd til træningssessioner, hvor 18 landmandsgrupper og 419 individuelle landmænd blev trænet alene i 4. kvartal 2022, hvoraf næsten halvdelen var kvinder.

- Opnået en femdobling af nettooverskuddet pr. hektar for vigtige afgrøder mellem 2019 og 2021.

- Med fokus på miljømæssig bæredygtighed fremmer Farmerline klimasmart landbrug og sigter mod at skabe modstandsdygtige fødevaresystemer, der både er økologisk sunde og socialt fordelagtige.

- Da 51 % af de direkte kunder er kvinder, støtter Farmerline det mest sårbare køn i landdistrikterne og reducerer dermed kønskløften.

Gennem deres initiativer gør Farmerline mere end blot at udstyre landmænd med de nødvendige værktøjer og indsigter til forbedrede landbrugsmetoder; de er også fortalere for en bæredygtig landbrugsfremtid. Denne tilgang kombinerer økonomisk vækst med en dedikation til miljømæssig ansvarlighed.