Submitted
Financial Inclusion Challenge

Save to Buy Mobile Layaway system

Team Leader
Ogwal Joseph
Solution Overview & Team Lead Details
Our Organization
Agro Supply
What is the name of your solution?
Save to Buy Mobile Layaway system
Provide a one-line summary of your solution.
Giving farmers in Africa the tools to scale in a climate change-affected future
What specific problem are you solving?

Globally, over 1 billion farmers are impoverished and food insecure. In Uganda, around 75% of the population relies on agriculture, and almost 45% live on less than $1.25 a day. Approximately 30% of all rural Ugandans – about 10 million people – live below the poverty line. This includes hundreds of thousands of smallholder farmers who live in remote areas. 

Most of these smallholder farmers face lower food production due to constant dry spells and a lack of extension services. These farmers also face cash flow problems: the peak of their income is at harvest time, but their greatest expenditure is in the planting season when they should invest in quality seeds, fertilizers, and tools. It can be challenging to manage cash during these cycles. This leads to farmers purchasing low-quality seeds (most of which can’t withstand long periods of drought in most parts of the country) and fertilizer, leading to underproduction on agricultural land. 


What is your solution?

Agro Supply is on a mission to transform the lives of smallholder farmers in Africa by creating a holistic approach that is helping farmers to afford high-quality and hybrid (drought-resistant) seeds and organic fertilizers through a save-to-buy model Layaway system. In addition, the company is offering area yield index insurance to further protect farmers.

Who does your solution serve, and in what ways will the solution impact their lives?

Our Solution serves smallholder farmers at the bottom of the pyramid, all of them leave on less than $1 per day, and  By the end of the decade 118M  extremely poor people across Africa will be facing extended periods of drought, flooding, and extreme heat as a direct result of climate change, most of the customers we serve has over 9 people in their family 

How are you and your team well-positioned to deliver this solution?

Our philosophy is simple — hire a team of diverse, passionate people and foster a culture that empowers you to do your best work. As a team, we love working together, ideating solutions, and collaborating to do our best work together. At our core, we are a family of leaders who put farmers first


That is why we are well-positioned to help African farmers.

Which dimension of the Challenge does your solution most closely address?
  • Other
In what city, town, or region is your solution team headquartered?
Kampala Uganda, East Africa
In what country is your solution team headquartered?
  • Uganda
What is your solution’s stage of development?
  • Growth: An organization with an established product, service, or business model that is rolled out in one or more communities
How many people does your solution currently serve?

We are working with 25,126 smallholder farmers and 45.2% of women 

Why are you applying to Solve?

We are applying to solve to look for funding to expand our solution to new locations, and also get experts advice and mentorship to help us scale.

In which of the following areas do you most need partners or support?
  • Monitoring & Evaluation (e.g. collecting/using data, measuring impact)
  • Product / Service Distribution (e.g. delivery, logistics, expanding client base)
Who is the Team Lead for your solution?
Ogwal Joseph
Solution Team:
Ogwal  Joseph
Ogwal Joseph