Many smallholder farmers remain unbanked and lack formal education, making it difficult for
them to access commercial loans. Without credit history or financial inclusion, they are often
limited to farming only what their immediate cash flow allows.
To break this cycle, we offer access to credit—regardless of whether farmers have a bank
account or credit record. Our approach involves organizing farmers into trusted communitybased clusters, allowing us to extend financial support based on collective trust and
accountability.