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Mastercard Launches Mobile Marketplace to Digitize East Africa’s Agricultural Sector

2KUZE gives farmers access to more buyers, enables them to run a more profitable business and paves the way to a cashless agricultural sector


Mastercard today launched 2KUZE, a digital platform that connects smallholder farmers, agents, buyers and banks in East Africa. 2KUZE, which in Swahili means “Let’s grow together,” enables farmers to buy, sell and receive payments for agricultural goods via their feature phones. The platform brings the benefits and security of mobile commerce and payments to farmers in Kenya, Uganda and Tanzania.


2KUZE was developed at the Mastercard Lab for Financial Inclusion in Nairobi, which was set up in 2015 to develop practical and cost-effective financial tools that expand access and help build stable futures for more than 100 million people globally. Through a grant from the Bill & Melinda Gates Foundation, the Lab is working with East African entrepreneurs, governments and other stakeholders to develop local products rooted in the company’s global knowhow.

In the initial pilot, 2KUZE is being launched in partnership with Cafédirect Producers Foundation, a non-profit organization working with 300,000 smallholder farmers globally. Currently, 2,000 small-scale farmers in Nandi Hills, Kenya are using the solution to sell their produce and working with farmer-friendly agents to ensure they reach the right buyers for the best price.
“Eighty percent of farmers in Africa are classified as smallholder farmers having less than 1-2 acres of farming land, making it extremely difficult to drive growth and prosperity within this community, ” said Daniel Monehin, division president for Sub-Saharan Africa and head of financial inclusion for International Markets at Mastercard.
“We believe that by using mobile, a technology that is so ubiquitous among farmers in Africa, we can improve financial access, bring in operational efficiency and facilitate faster payments. The collaboration between the Lab team and farmers in the market helped to deliver a solution that can be implemented and make an impact without any major changes to the day-to-day.”
2KUZE makes transacting much safer and simpler for all stakeholders in the agricultural supply chain – the farmer, the buyer and the agent. Farmers using 2KUZE can conduct the entire transaction of selling produce and receiving payments via their feature phones, without having to walk for hours to the markets. The platform enables farmers to capture a greater percentage of the wholesale value of their goods by providing price transparency, more direct access to buyers and empowerment of farmer-friendly agents.
Source: Mastercard

NMB TO DIGITIZE TANZANIA’S AGRI SECTOR WITH THE MASTERCARD EKILIMO MOBILE SOLUTION

Dar es Salaam, Tanzania: 09 March, 2017 – National Microfinance Bank Pic (NMB) has signed a strategic partnership agreement with Mastercard to ensure the digitization of the agricultural sector in Tanzania with the rollout of eKilimo, a mobile solution developed by the Mastercard Lab for Financial Inclusion.


eKilimo, which in Swahili means ‘eAgriculture’, is a digital platform that will help, introduce efficiency, security and transparency in the agriculture supply chain. The solution will make transacting faster, safer, and easier for all stakeholders including the farmer, the buyer and the agent.
Powered by the digital platform developed by the Mastercard Lab, farmers are now able to conduct the entire transaction process of receiving payments and selling produce via a feature or smartphone, without having to walk hours to markets. This helps to ensure farmers benefit from the ability to capture a higher percentage of the wholesale value of their goods by providing price transparency and more direct access to buyers.
“Contributing a significant USD 13.9bn to Tanzania’s GDP (nearly 30 percent), it is critical that solutions are found to support this vital sector, ensuring sustainability and growth. Technology is having a significant impact already, and the mobile device is giving small holder farmers the power and ability to move beyond cash,” said Raghu Malhotra, President, Middle East and Africa, Mastercard.
By providing digital payment to farmers, eKilimo will leverage the existing agency banking structure to facilitate account opening for farmers and joint ideation on new product features. This is in line with the Mastercard vision of a more digitally and financially included Africa.
“Using digital technology to provide access to farmers and introducing transparency to the buying and selling process will drive efficiencies into this supply chain, positively impacting the economy. In the long run this should help famers gain access to formal financial services and solutions, enabling them to manage their funds ensuring a better more secure future for them and their families.”
The solution which was developed at the Mastercard Lab for Financial Inclusion is part of a global commitment made by company to reach 500 million people currently excluded from the financial mainstream by 2020. The East African Lab, supported by the Bill and Melinda Gates Foundation, is set to empower 100 million people through its focused approach of developing market and sector relevant solutions underpinned by meaningful insights and local collaboration.
The partnership between NMB and Mastercard will see the solution enter a pilot phase in select locations in Tanzania from March 2017. Following the introduction of the same solution in Kenya under the name of 2KUZE, key insights were gathered and will be used to ensure the Tanzanian pilot is a success. This cross pollination of knowledge driven by the Mastercard Lab ensures future rollouts are done so efficiently.
The pilot will begin with the onboarding of NMB customers that source directly from smallholders.  Field agents of the customers will use the eKilimo smartphone app to perform the purchase, including weighing the produce on a Bluetooth-enabled scale and paying the farmer digitally. The farmer will receive information and their payment from eKilimo, and will be able to leverage their transaction history to access credit from NMB. 
 “We are committed to growing Tanzania’s agriculture sector, and working with partners such as Mastercard to introduce technology that can change lives. Our experience in the sector gives us a unique point of view, combined with insights from Mastercard following the launch of the solution in Kenya under the name 2KUZE. It makes for a powerful collaboration, one that will benefit smallholder famers, buyers and agents – and the broader economy,” said the NMB Managing Director – Ineke Bussemaker. 

Tanzania’s Safe Motherhood Text Messaging Service reaches third year

Since its launch, exactly two years ago, 500,000 men and women accumulatively received 40 million informative safe motherhood messages and reminders through the Wazazi Nipendeni SMS Service.

So what makes this program so successful? According to the service, the answer lies in the collaboration of a diverse group of partners. “Each partner takes responsibility for its part in the service implementation, ranging from technical assistance to media promotion and training activities in health facilities. It’s a resilient collaboration as we all share the common goal to improve maternal health and reduce infant mortality. Our partners benefit from this participation, as most use the service as a tool to strengthen their own specific safe motherhood activities,” explains Mr. Saulo Mutasingwa, U.S. Government Centers for Disease Control and Prevention (CDC) Foundation Project Manager for the mHealth Tanzania Public-Private Partnership program in Tanzania.
His organization manages the text messaging service in close collaboration with the Ministry of Health and Social Welfare (MoHSW). The U.S. President’s Emergency Plan for AIDS Relief (PEPFAR) – through the CDC – funded the development of the service and continues to provide financial and technical support for its further development and operation.
The numbers on maternal and infant mortality in Tanzania have improved over the years; the maternal mortality rate has decreased 55% from 1990 – 2013 and the infant mortality rate has decreased 64% in the same period. However, they remain high. At least 21 women die while pregnant or during delivery and over 180 infants pass away, daily. Less than half the pregnant women (43%) in Tanzania attend at least four antenatal visits and if they do they come late in their pregnancy. Early promotion of healthy behaviors during pregnancy is key. The Healthy Pregnancy, Healthy Baby Text Messaging Service (HPHB) is a tool able to reach these women as well as their supporters at any time. Mobile phones provide such an opportunity. Recent studies show that at least 85% of the Tanzanians used a mobile phone within a 7 day span.
According to the company, the HPHB service is free to use for its steadily growing number of subscribers. Its aim is to reach out to no less than 1 million people by the end of 2016 seems within its reach, looking at the popularity of the service. Partnering for sustainability is a necessity. The program management and technical costs are donor funded. Until recently the donors also covered the majority of the text messaging costs. Airtel Tanzania was the first mobile network to ‘zero rate’ the service for text messages to and from Airtel subscribers on a provisional basis for two years. The program’s sustainability was further strengthened mid-2014 when Tigo, Zantel and the Vodacom Foundation implemented a ‘zero rating’ agreement for HPHB messages to and from their respective subscribers. Today all mobile networks support the continuation and expansion plans of the existing service. Some mobile operators intend to support the partnership’s safe motherhood goals further and are taking steps to create innovative supplementary HPHB services, expanding the breadth and reach of HPHB information in 2015.
The service also benefits greatly from a growing number of ‘on-the-ground’ partners. They provide important ‘in-kind’ support. These partners leverage their existing networks and training activities to orient health professionals and community health workers on the content of the healthy pregnancy and early childcare text messages such as midwife Getrude Justin Mushi. During this orientation, trainers show Gertrude and many other health workers how to help pregnant women register for the text messaging service during antenatal visits. Partners that make this facility-based registration possible are Elizabeth Glaser Pediatric AIDS Foundation, Afya Connect for Change, Aga Khan Health Services Tanzania (Joining Hands Initiative), Walter Reed Program–Tanzania Patherfinder/Vodafone Foundation and PharmAccess.
The oriented healthcare workers regard the service as a tool that helps them to proficiently educate women and provide better care. Midwife Gertrude states, “The informative text messages women and men receive make the life of a midwife a lot easier. You see, those women who receive [HPHB] messages early, come to us in time and are well-prepared. They come with this information and ask questions. These mothers also become cooperative and that is so very important for a successful delivery. I find that a lot of women need this kind of information. So, I promote this service to my clients. I think I can register at least 300 women in a year, and I will!”
Gertrude is one of the 1,300 healthcare workers actively registering women during antenatal visits. Others, who do the same, can be found in 35 different Tanzanian districts. Together they have already registered over 14,000 pregnant women. This number will grow as the number of participating healthcare workers continues to grow. Also more community healthcare workers (volunteers working in the villages) will join this effort as the HPHB on-the-ground partners collectively work with over 2,000 community healthcare workers across the country.
However, most of the registrants will continue to ‘self-register’ thanks to the highly effective nationwide Wazazi Nipendeni (Parents Love Me) campaign. Its nationwide multi-media products — such as television, radio and print materials — include the promotion of the free short-code 15001 and the registration keyword ‘mtoto‘ (‘baby‘). It instructs anyone, interested in healthy pregnancy and early childcare information to register and receive the information for free. Pregnant women, women with newborn babies, their supporters or just those seeking general information will then start to receive regular text messages, for free. The Wazazi Nipendeni multi-media campaign is implemented by partner Johns Hopkins Bloomberg School of Public Health Center for Communication Programs. It is funded by PEPFAR and U.S. President’s Malaria Initiative through the U.S. Agency for International Development. This collaboration has proven to be critical in building awareness of the messaging service with registration rates reaching four times their average when there is a full media presence.
Lydia Mwakisambwe (age 35) is 16 weeks pregnant and she registered the moment she realized she was expecting. Lydia learned about the service while listening to a ‘Wazazi Nipendeni’ radio announcement. The pregnant housewife loves her weekly text messages with information on how to stay healthy. The service also reminds her when it is time to go to the clinic where she meets up with midwife Gertrude. Lydia believes that it is important for all pregnant women, mothers who have given birth and their supporters to know about the service. She agrees that the service is not just for first-time parents. Lydia herself has children ages three and six years-old, and she feels the text messages help her keep herself healthy and confident. “Last year I gave birth to a stillborn baby when I was 28 weeks pregnant,” she explains. “I lost a lot of blood during that delivery. I waited for the transfusion for almost 10 hours. I was in danger. Now I am so happy to see that there is a text message to tell your family to register at the blood bank and donate blood. I also learned about the right time to take medication against tapeworms and malaria, which is very good. I always plan to discuss this information with my healthcare worker when I go for a checkup. I like the text messages with good health information. I am learning things I did not know before.”
The mHealth Tanzania Public-Private Partnership, on behalf of the MoHSW and service stakeholders, will continue to connect as well as reach out to new partners in order to rollout the health facility registrations as well as sustain and expand the existing service.
source:itnews

Tanzania to use mobile technology to increase productivity for farmers

About 30 000 farmers of Olam’s coffee, cotton and cocoa in Tanzania stand to benefit from the Connected Farmer Alliance (CFA) agreement that will front the use of mobile technology to increase productivity.

The CFA basically constitutes a public-private partnership between Vodafone Group, the US Agency for International Development (USAID) and TechnoServe that will have farmers get farming advice via text message, notifications about upcoming training sessions and events, real-time information about changes in market prices and introduction of mobile money transfer using M-Pesa service in place of cash from December 2014 onwards.
The Daily News Tanzania reports that TechnoServe will provide training for Olam International staff and farmers as well.
Vodafone Group Regional CEO, Africa, Middle East and Asia Pacific Region, Mr Serpil Timuray, said mobile communications offer major opportunities to advance human development – from providing access to education and health information to helping boost productivity in the agriculture sector.
“In this case, mobile services are being used to enhance farmers’ lives and transform business performance at all points of the agricultural value chain.
These partnerships have a powerful effect in helping rural communities develop new skills and grow revenues. Vodafone is committed to using its technology to help improve the livelihoods of smallholder farmers around the world,” he added.
Ultimately, the agreement will lead to increased productivity and revenues for smallholding farmers supplying cash crops to Olam.
Olam Environmental & Social Manager, South and East Africa, Mr Jeremy Dufour, said: “Working with the CFA, we can put agriculture expertise, accurate data and payments in to the hands of smallholder farmers in real time and at considerable scale, no matter how remote.
This helps to improve yields and farmer livelihoods while our business benefits from smarter operations and lower costs. Ongoing evaluation from the farmers will be fed back in to the programme.”
On his part, TechnoServe Vice President Global Development, Mr Simon Winter, said that 75 per cent of the world’s poor live in rural areas, with the vast majority dependent on agriculture for all or part of their incomes.
He noted that growth in the agricultural sector, therefore, has been shown to be at least twice as effective at reducing poverty as growth in other sectors.
“Tanzania is a model example of this. But unlike in more developed countries, its farmers do not have sophisticated technology and infrastructure to rely on. This programme will help to change that,” he said.
source: Humanipo

BBC launches Ebola information service on WhatsApp

The British Broadcasting Corporation (BBC) has launched an Ebola information service on the popular multimedia instant communication platform WhatsApp.

The corporation said the service is in English and French languages. It will provide public health information on Ebola from the BBC, using audio, text message posts and images. Furthermore, the service would deliver Ebola-related breaking news alerts to subscribers.
Other features of the service include News About Ebola, a news and information programme broadcast twice every weekday, the focus of the programme is on the affected region of West Africa. It would also feature Ebola Infos, a twice-daily Ebola bulletin in French on BBC Afrique, and increased partnerships with other broadcasters.
Director of the World Service Group Peter Horrocks said: “This outbreak of Ebola shows no signs of abating. Myths and misinformation about Ebola are still widespread – and life-threatening. The BBC is trusted by millions of people in the affected countries, so we are stepping up our efforts to reach people with timely information, whether they’re listening to the radio, watching TV or using chat apps. We’re committed to playing our part and will continue looking at new ways to reach audiences, for example by developing programmes in local vernacular languages.”
source: Humanipo

Kilimo fasta app plugs information gap for Tanzanian farmers

A Tanzanian developer has created an Android application aiming to boost the production of farmers in the East African country, who currently suffer from a lack of market information.
Benson Rukantabula, developer of Kilimo fasta, told HumanIPO the app was inspired by a study released by the Planning Commission of the Tanzanian President’s Office, which highlighted low agricultural productivity due to a lack of farming skills and a failure to disseminate market information.

He said the study had recommended a central agricultural repository unit for information and data management, and that his app filled this role as an information hub connecting farmers with information from government and other stakeholders.
“The app provides suggestions to crops that can grow in Tanzania,” he said. “To each crop there is information about the whole production cycle, like when to grow, how to grow, when to harvest, and pests and insects to control.”
Farmers can subscribe to Kilimo fasta via email or SMS, and receive updates about crops and market information, while also allowing farmers to keep in touch and participate in discussions. The app is in Swahili, a language used by 80 per cent of the Tanzanian population, and runs on Adobe Air, requiring internet access only when an update is needed.
He said the app differed from M-Farm and iCow in Kenya because of its use of Swahili, and the fact it integrates SMS subscription, as well as providing information about banks and other financial institutions that provide loans to farmers.
Tanzania’s agricultural sector employs over 80 per cent of the country’s population, contributing around 50 per cent of its gross domestic product (GDP) and 66 per cent of merchandise exports, and Rukantabula said the uptake of mobile phones in the country could boost it further.
“The purchase and use of smartphones in Tanzania is blossoming,” he said. “More people are using mobile phones than a few years back. I think if good investment is made on mobile apps and USSD development the industry can generate even more income for the country and benefit many farmers.”
Kilimo fasta does not yet have any funding, being only a month old and still in a testing phase, but Rukantabula said he is looking for funding from stakeholders and elsewhere.
The app recently competed in the final of the Vodafone Appstar Challenge, eventually being beaten to the top prize by Kenyan app Automs.gs., but Rukantabula said it had been a good experience.
“The Vodafone Appstar Challenge helped me get confidence, exposure, and has broadened my mindset about app development,” he said. “The feedback from the judges has challenged my thinking and motivated me on what should be my next step in my career.”
Source: humanipo

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