Empowering Farm Workers

Eneza Malipo is bridging the gap between financial inclusion and agricultural productivity. Our platform empowers farm workers with access to loans and bursaries while giving farm owners the tools to manage benefits efficiently.

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Accessible

USSD platform works on all mobile phones, even without internet

 

Empowering

Dignified financial solutions tailored for farm workers

 

Productivity

Streamlined processes for farm owners to track and manage employee benefits

Impact

Driving financial inclusion, promoting education, and fostering sustainable communities

Mission

To uplift farm workers by giving them dignified access to financial services while empowering farm owners to manage employee benefits in a transparent and efficient way.

Vision

To be the leading FinTech solution that bridges financial inclusion and agricultural development across Africa.

Why Eneza Malipo?

We combine innovative technology with a deep understanding of farming communities to deliver solutions that are:

  • Inclusive: Accessible to all, regardless of gender or phone type.
  • Sustainable: Designed to support financial independence and long-term growth.
  • Scalable: Perfect for farming institutions of any size, from small farms to large plantations.
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Features

For Farm Workers

  • Borrow loans in minutes through a simple USSD code.
  • Repay in small, manageable amounts with no hidden fees.
  • Track your loan and bursary balances anytime.
  • Accessible on any mobile phone, including feature phones, eliminating the need for expensive smartphones or internet.

For Farm Owners

  • Effortlessly evaluate employee creditworthiness based on system-provided insights.
  • Customize credit and bursary limits based on employee needs and company policies.
  • Monitor loan disbursements and repayments with real-time data tracking.

How It Works

For Farm Workers

Access our USSD platform using any mobile phone to:

 

    • Borrow loans tailored to your needs.
    • Access School Bursaries
    • Check your loan balances easily.
    • Repay loans conveniently without long queues or trips to banks.

For Farm Owners

    • Assess the creditworthiness of your employees through automated evaluations.
    • Assign credit and bursary limits tailored to each employee.
    • Monitor repayments in real-time, ensuring transparency and accountability.
    • Generate detailed performance and financial reports to track the platform’s impact.

Additional Feature Highlights

  • Secure transactions powered by cutting-edge technology.
  • Scalable design to accommodate farms of all sizes.
  • 24/7 customer support to address any challenges.
  • View detailed performance reports to measure the financial and social impact on your workforce.

Benefits

For Farm Workers

  • Financial Inclusion: Access to credit for underbanked communities in remote areas.
  • Increased Productivity: Save time by avoiding long trips to physical banks.
  • Dignity and Independence: Secure funds when needed, without relying on exploitative lenders.
  • Support for Education: Access bursaries to support children’s school fees, ensuring a brighter future for families.
  • Inclusive Access: Built for everyone, regardless of gender, age, or mobile device type.

For Farm Owners

  • Boost Productivity: Workers focus more on their tasks, not financial worries.
  • Reduce Turnover: Retain employees by offering meaningful financial and educational support.
  • Streamline Operations: Manage employee benefits easily and transparently.
  • Strengthen Reputation: Be seen as a socially responsible employer contributing to community development.
  • Track Impact: Access robust analytics and reporting tools to measure the benefits of Eneza Malipo.

Impact

$1.2M

Loans disbursed to farm workers

 

5,000

Children are supported through educational bursaries.

3,000

Workers benefiting from financial inclusion.

56%

Female users actively participating. 

 

Case Studies

African farm worker

Worker Story

“Thanks to Eneza Malipo, I was able to secure a loan to pay for my son’s school fees. I no longer worry about emergencies because I have access to reliable credit.” – Wambui, Farm Worker.

“Eneza Malipo has made my life easier. I no longer waste time traveling to banks.” – Otieno Worker at Flower Farmer.

African farm worker

Farm Owner Testimonial

“Eneza Malipo has streamlined how we manage employee benefits, and the improvement in worker morale is evident. Our productivity is up, and turnover is down.” – Carol, HR Manager, Flower Farm.

“This platform helped us invest in our employees’ education, and we’ve seen the results in their commitment.” –  Wangila, Farm Manager