A PLATFORM FOR DATA

DRIVEN LENDING, INSURANCE

AND MARKET LINKAGE FOR
RURAL SMALL HOLDER
FARMERS
WHY DATA DRIVEN
Lack of farm records and historical information makes data
collection a herculean task.

Good Rural Farmers and Small Holder Farmers have been deemed
"unscorable" by Traditional lending framework due to lack of Credit
History and Financial Identity

Lenders who work with farmers in remote locations have an

additional challenge in reaching and serving their clients

As a result, banks and lending institutions

rarely approve loans to smallholder farmers,
which does a disservice for both lenders and
borrowers.
THE UMOJALANDS SYSTEM
A platform that utilizes advanced machine learning
algorithms and multispectral satellite imagery to collect
and process data on fields, crops and farmers.

The system Leverages our synergy with Financiers, Insurers,

Farmers and Offtakers to journey with the excluded and usher
them into economic inclusion and prosperity at the same time
returning Zimbabwe to be the Green Basket of Africa.

We Boast of a very versatile API Economy which is tailor made to

speak much more comprehensively to the Zimbabwean
Narrative. Our Digital Assets increase Client’s ROI.
OUR SCOPE
BENEFITS TO FARMERS ,
LENDERS AND INSURERS

1 Track detailed data including

farmer activity, field quality and
vegetation period.

2 Monitor fields and crop

performance in-real time.

Weekly receive relevant

3 information about fields

Farmers receive daily.

Analyze possible alerts

4 (disease, pests, water

levels, weeds, lodging)..
OUR DIGITAL ASSETS
We have a Rich API Economy which makes the whole Process from Origination, Onboarding
Monitoring up to Loan Maturity and Repayment seamless and just convenient

e-KYC &Client Loan Management

Risk Assessment API Remote Sensing API
Onboarding API API
THE UMOJALANDS CAPTURE

Capture in as an in season farmer’s companion

which acts as a virtual or electronic extension
Agent.

Its use case has been tested and proved effective

in other regions with the capability to get farmers
to a productivity of up to 8 tons a hectare

Amongst other things Capture helps farmers with

Smart Nutrient management, Remote Crop
monitoring, Weather Analytics, personalised
System generated advice notes using satellite
imagery.
OUR VALUE PROPOSITION TO LENDERS AND INSURERS

“Leverage our API economy to enhance your lending value chain from on boarding,
risk scoring, lending decisioning and nudging your customers all at once.”
OUR VALUE PROPOSITION TO
FARMERS

“We provide Farmers with a financial

health tool that enables them to access
better financing And Insurance on the go
from our partner organisations.”
 ZIMBABWEAN MARKET OPPORTUNITY

BEACH-HEAD
>65k FARMERS

TARGET IS AT LEAST
50% OF TAM IN THE
NEXT 4 YEARS 4 year TARGET MARKET
>206k

650k + Rural TOTAL AVAILABLE

and Small MARKET
Holder
650k +
Farmers in
Zimbabwe

AFRICAN MARKET VALUE = USD500M BY 2027

 Relationship Building & Marketing
Marketing In Leverage Ecosystem and Network
FARMERS
FARMERS
Farmer Groups LENDERS
and Spaces

TARGETING 100
TARGETING MICROLENDERS AND
60000 SSF 8 BANKS 12
INSURANCE

ONBOARD THEM
ONBOARD AS API USERS
ONBOARD AS
ONTO FREEMIUM LENDING PARTNERS
MODEL

GENERATE FINANCIAL
PROCESS OVER 30000 IDENTITY FOR OVER 50% ACCESS HIGH QUALITY
RECORDS OF UNBANKED FARMERS FARMER PRODUCTION
ENABLE THEM TO ACCESS STATS & DATA
FARMERS DATA LOANS

GO TO MARKET STRATEGY IN THE NEXT 30 MONTHS

OUR PARTNERS
 GET IN TOUCH WITH US:

Email:

umojalands@gmail.com
emmachimkupete@gmail.com

Phones

+263784906436
+263778757486

Website:

www.umojalands.com