• Product Type: Credit and Savings
  • Sector: Agribusiness
  • Project Country: Ghana


Farmerline LTD

This agribusiness connects farmers to information, finance and supply chains across Africa through provision of innovative mobile technology.

Farmerline connects farmers to information, finance and supply chains across Africa. Their mission is to provide innovative mobile technology to farmers and transform them into successful entrepreneurs. Farmerline’s services bridge education and literacy gaps among rural farmers and reduce the cost of communication for the companies that work with them.

Project Description

The project will increase financial and economic inclusion in the fresh fruit and vegetables (FFV) supply chain. This will be done through the development and introduction of a fintech-enabled ordering app, through which vendors can order stock and access credit offered, so that they can sell more; by extension, more produce is ordered from farmers, which increases their FFV sales. The platform will be upgraded to deliver credit scoring data.

Key Innovations

399 Services is innovating in 3 areas of the agricultural supply chain: technology, resource extension, and financial inclusion. Farmerline’s unique credit scoring algorithm will open the door for financial institutions, food brands and producers, and input suppliers to engage in resource and financial service extension. The partnership with Premium Bank adds additional innovation in that, it gives farmers who need to build creditworthiness, or would prefer not to take credit, the opportunity to layaway funds in a bank account and develop savings habits. Through using these financial services to provide affordable input to farmers, Farmerline is offsetting the proliferation of fake inputs as well as the resulting loss of yield and crop value.