8 April 2023 Confidentiality level 2

Mobile and Agriculture

Laura Crow

2

Opportunity

400m Vodafone customers

290m “Emerging Markets” customers

<70% employment in agriculture in some markets

>80m Farmers in our customer base

16.8m M-Pesa customers

185kM-Pesa distribution outlets

$1.35bnMonthly P2P values

3

Mobile Penetration versus Access to Financial Services

Source: GSMA 2012

4

Services across value chain

Key Concerns Vodafone Approach- Disperse Enterprise Loans via M-Pesa- mShwari/ mPawa

- Insurance partnership with Kilimo Salama

- Notifications/ survey- Track and trace- Farmers Club bundle

- Receipts- Event based payment

Risk protection

Information

Procurement

Access to credit

Partnership: Connected Farmer Alliance (CFA) • USAID, Vodafone, Safaricom, Vodacom Tanzania, Vodacom

Mozambique, and TechnoServePartners

Geography

Product

Goal

• Kenya, Tanzania, and Mozambique

• Commercially sustainable and scalable mobile agriculture solutions

• Increased revenue & resilience for 500,000 smallholder farmers

• Increased revenue for Agribusinesses

Timing • Three years: Sept 2012 - Sept 2015

5

Supply Chain Solution: Three key functionalities

FARMER DATA MGMT• Collection• Maintenance

Farmer

SMS / USSD

Agribusiness HQ / Field Officers

ANDROID / WEB-PORTAL

COMMUNICATIONS• SMS Notifications• Queries from

Farmers• Data Collection• Logistics

TRANSACTIONS• Loan

Disbursements• Receipts on

Delivery• Payments via

m-Pesa

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Summary of early impact

• Curbing loss of milk. Prior to the intervention, farmers reported a loss of an estimated 20% of the quantities between farm gate and the collection centers (i.e. 2 kgs out of 10 kgs).

• Reduction in operation costs: SMS notification module has contributed to an estimated 40% reduction in operations cost (e.g. cost of communication, man-hours and time spent in passing information to farmers, etc.).

• Better visibility and transparency for the head office on dairy operations. The system had enabled the Board to identify two staff members engaging in corrupt practices of falsifying former milk data, resulting in their termination

• Efficient creation and management of farmer data. From a registering 810 farmers at the beginning to ~1,562 farmers by the end of December 2013.

7

Importance of distribution

Factors for success

DistributionTrusted BrandService over technologyCommercial model

Thank you

laura.crow@vodafone.com