Agribusiness and Comabating Climate change

We seek to improve the lives of children by providing low-income entrepreneurs with access to sustainable and integrated financial services.

Problem

Climate change is the biggest sustainable development challenge the international community has had to tackle to date. Measures to address climate change need to be fully compatible with the international community's wider ambitions for economic growth and human advancement. It is a challenge that transcends borders and requires solutions not only at national levels but at the international level as well.

Solution

Tivwane Money solution will be financing the SMEs and companies who can supply locally distributed solar energy solutions for households and small businesses in low electrification, rural areas of Zambia and Africa these SME will develop a system known as   Pay-as-you-go solar home systems will be sold through extensive retail networks of distributors to overcome affordability barriers for customers, replacing kerosene with clean, safe, off-grid energy at large scale.

Scaling off-grid solar for LDCs through a loan fund to companies and SME. The Fund will provide scalable debt financing through an aggregated portfolio of solar loans, providing off-grid solar energy to LDCs, SIDS, and African States. This will allow them to skip the fossil-fuel grid age and base their development on renewable energy.

Tivwane money solution will finance “Champion Developers” of renewable energy generation and distribution projects, delivering on-grid and off-grid Universal Energy Access, with a holistic approach aimed at empowering rural development. Centralised procurement and sharing of best practices will ensure project efficiencies and standardisation to allow scalability towards the creation of an asset class that will facilitate private sector investments

To solve the problem will also introduce this new solar system  called

Photovoltaics (PV), also called solar cells, are electronic devices that convert sunlight directly into electricity. The modern solar cell is likely an image most people would recognise – they are in the panels installed on houses and in calculators.  PV is one of the fastest-growing renewable energy technologies, and is ready to play a major role in the future global electricity generation mix.

Solar PV
installations can be combined to provide electricity on a commercial scale, or
arranged in smaller configurations for mini-grids or personal use. Using solar
PV to power mini-grids is an excellent way to bring electricity access to
people who do not live near power transmission lines, particularly in
developing countries with excellent solar energy resources.

Social Impact to change the world

As MFI will play a critical role in Creation of Millions of Higher quality of jobs in Zambia ((i.e. labour conditions, productivity, skills base, empowerment) and outside the country when the organisation is scaled up in other African countries) the provision of financial services to our clients will have positive impact in Higher and more stable income of the community as a whole, making it more resilient to external shocks. In the context of savings/credit groups, members start educating and helping each other this will support the cohesiveness of a community. At the same time, access to financial services can trigger entrepreneurship and a healthy competition among community members. Entrepreneurship usually leads to increased trade with neighbouring communities and regions, in turn improving the economic base and resilience of the community

though our innovation is in early stage but the products we have designed are brilliant to help us to achieve our main goals and it is one of the best innovation to help combating   Climate change because climate change is the  biggest sustainable development challenge, Measures to address climate change need to be fully compatible as for us  this  innovation will play  a cuticle role in reducing  gas emission our ideal is very innovative  because there a lot of microfinance companies in Zambia providing financial services but there no microfinance which is deducted to solve climate change and reduce gas emission.

The adoption of mobile phones to provide mobile money and other financial services has changed the dynamics of the Zambian banking industry, bringing financial services closer to the public through MNO, Fintech and merchant network platforms within local communities. Tivwane Solution Zambia’s strategy is to join the frontier emerging market opportunities by introducing digital banking to extend a full bouquet of financial services to underserved low-income people and communities. system will enable farmers to access mobile banking using a cell phone,

To become one of the biggest microfinance which will contribute to women and youth empowerment or mainstreaming and participation.

1. To open 3 Branches throughout the country by the end 2018 especially in areas where there are lot of farmers.

2. Our main target customers will be women and farmers in rural areas and where there is no lending institution to finance asset and agriculture loans.

3. To create about 50 employment opportunities for youths by the end of 12 months.

4. To impact about 500 youths and 200 children by the end of 2018.

5. To improve the lives of farmers and graduate them from small scale famers into commercial.
    

Our innovation has potential to glow and scale up our operations to other African countries since agriculture is becoming the engine of the economy in most   of African countries.

1. To create about 500 employment opportunities for youths by the end of 2020.

2. To impact about 10,000 youths and 3000 children by the end of 2019.

3. To improve 200 lives of farmers and graduate them from small scale famers into commercial after three years

4. To be the leading agriculture financing company which will create and improve famer revenues and income for the youths in Zambia?

1. Tivwane financial services short term marketing strategy is to expand business throughout potential district in eastern province and throughout other African countries. The market for us is big especially for business loans and agriculture financing. We focus to reach more than 1 million clients in Zambia. The number of beneficially can increase this is because the market is more scalable. We have already waiting large numbers of clients from our partners. will reach and return our customers through social media, face book, radio advert and public promotion. 
   

We have disbursed a total of 50,000 Zambian kwacha and we about 400 clients of 300 clients are women and 100 are me.  Tivwane money solution play a critical role in Empowerment of women, who are often, preferred as our target customers, this has  lead to a higher social status, better education and more independence of women,  the financial  services we provide to  our clients have positive impact in Better education and further development of clients,  as MFIs  we often support them in acquiring basic skills and financial knowledge,

Market opportunities for our products are very much large in Zambia and throughout other African countries and our true market opportunity is that we can reach out to 60, 000 farmers in 3 years in Zambia only if enough equity investment  is injected into our company this will create thousands of employment to most of  youths and adults in Zambia. Increasing investment in rural areas is essential in order to achieve development for the 75% of the poor living in rural areas.in 12 will service about 1000 clients.

Hard working.

Hard working is a key to successful if you are not willing to make your hands dirty and work in trenches you might not start. Our team is made up of Harding working and well experience staff who can deliver excellent results beyond the expectation of investors or management.
the right Talent.
Successful of  business requires that we assemble the right talent to build the brand of our team as for us we have assembled well matched talent team which will be the backbone of our company. We have matched the right talent with business vision.

The capacity of businesses to supply

As an enterprise we are giving out loans to small business men and women at a profitable interest rate Of 7.5% monthly and also clients pay 12% processing for a loan, they also deposit 15% a security deposit before they get a loan which gives us an opportunity to raise some funds, besides that we are also doing other personal business which help us to have strong financial muscle to give enough liquidity to have a  constant supply of goods and services we generate enough income and company or project  will not be subsidized by grant or donors because will generate revenue the paying clients.

General economic factors

The agriculture industries   in Zambia is doing very much fine such that all products for agribusiness will improve  the economical development in Zambia and give more viable business to driver growth organization and make more profit of our company as our company is agribusiness focus.

to have a  constant supply of goods and services we generate enough income and company or project  will not be subsidized by grant or donors because will generate revenue the paying clients for company sustainability.

Market opportunities for our products are very much large in Zambia and throughout other African countries and our true market opportunity is that we can reach out to 60, 000 farmers in Zambia only if enough equity investment  is injected into our company this will create thousands of employment . on our own we can not manage  to implement this project we have started   because we do not have enough capital to scale up this beautiful innovation to other countries, we  believe that solve can fund us to  to help us scale up our innovation and expand our operations.

1 competition risk. we have a lot of MFIs selling same products but as for us we have build a popular one into a better new innovation to compete  with serous competition on the market this innovation will provide financial services which will help to combat cremate change in Zambia and in Africa at large.
2 .Credit risking this is risk related to organisation portfolio when ever MFI lend money there is risk of money not coming back however as MFI we have put serious mitigation to this issue. The only help  we need from solve is funding and support.