Farmerline 3

Ghana

Farmerline 3

Farmerline

Investeeri ettevõttesse

+ 374 teised investorid

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

Summa

6.50%

Intressid

36 kuud

Küpsus

6 kuud

Tagasimaksed

EUR

Valuuta

Summa	€100,000
Intressid	6.50%
Küpsus	36 kuud
Tagasimaksed	6 kuud
Valuuta	EUR

100%

Täielikult rahastatud 17 päeva jooksul aadressil 28 juuni 2024.

Projekt

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.

Ettevõtte nimi	Farmerline
TEGEVJUHT	Alloysius Attah
Asutatud	2012-02-10
Asukoht	Accra
Sektor	Põllumajandus
Käive	€13,900,515
Töötajad	76
Krediidiskoor	B

Mõju

Farmerline muudab oma leidlike lahendustega väiketalunike elu ettevõtjateks. Nad pakuvad olulisi teenuseid ja andmeid, mis tõstavad märkimisväärselt põllumajandustootjate tootlikkust ja elatusvahendeid, suurendades nende sissetulekut ja töövõimalusi. Farmerline'i eesmärk on tagada põllumajandustootjatele tehnoloogia abil püsiv kasum ja see on juba avaldanud suurt mõju:

- Ta on digitaalselt ühendanud üle 123 000 põllumajandustootja, laiendades oma uuenduslikku Mergdata tarkvara üle 1,7 miljonile põllumajandustootjale kogu maailmas, aidates neil toime tulla kaasaegse põllumajanduse väljakutsetega.

- Tõhustanud põllumajanduse väärtusahelat:

Hankides otse põllumajandustootjatelt, jättes välja vahendajad.
Ühendades edukalt 30 000 põllumajandustootjat 2021. aastal ja veel 20 100 põllumajandustootjat 2022. aastal, mis tähendab umbes 39% nende klientuurist.

- Pühendunud põllumajandustootjate teadmiste ja oskuste andmisele läbi:

Põhjalikud koolitusprogrammid, mille eesmärk on ületada haridus- ja kirjaoskuse puudujäägid, suurendada tootlikkust ja tagada toiduga kindlustatus.

- Registreeris kõik põllumajandustootjad koolitustele, kusjuures ainuüksi 2022. aasta neljandas kvartalis koolitati 18 põllumajandustootjate rühma ja 419 üksikut põllumajandustootjat, kellest peaaegu pooled olid naised.

- Saavutati peamiste põllukultuuride puhaskasumi viiekordne kasv hektari kohta aastatel 2019-2021.

- Keskendudes keskkonnasäästlikkusele, edendab Farmerline kliimasäästlikku põllumajandust, mille eesmärk on luua vastupidavad toidusüsteemid, mis on nii ökoloogiliselt mõistlikud kui ka sotsiaalselt kasulikud.

- Kuna 51% tema otsestest klientidest on naised, toetab Farmerline maapiirkondades kõige haavatavamat sugupoolt, vähendades seeläbi soolist lõhet.

Oma algatuste kaudu teeb Farmerline enamat kui lihtsalt põllumajandustootjate varustamine paremate põllumajandusmeetodite jaoks vajalike vahendite ja teadmistega; nad propageerivad ka jätkusuutlikku põllumajanduslikku tulevikku. See lähenemisviis ühendab majanduskasvu ja pühendumise keskkonnavastutusele.