• Remote Account OpeningOpen bank accounts in the village, without a branch visit.
• Group Lending FacilitationOriginate and manage loans through farmer organizations.
• Digital WalletSave, pay and receive money on mobile and card.
• Kilimo Credit ScoreCredit scoring built on alternative farm and transaction data.
• Peer-to-Peer Lending FacilitationConnect lenders directly with value-chain borrowers.
• Finance Demand AggregationPool credit needs into bankable portfolios.
• Digital Lending & Loan ProcessingApply, approve, disburse and repay digitally.
• Loan Product DevelopmentDesign loans that fit crop cycles and cash flows.
• Financial LiteracyValue-chain training on savings, credit and repayment.
• Agricultural Insurance ProductsDesign, develop, pilot and scale cover for farmers.
• Co-creation of Financial ProductsBuild new products together with our partner institutions.
• Subsidy ManagementOffering subsidies to farmers and other value-chain actors? Our digital tools verify who receives them and trace each subsidy, building the evidence you need.
• JembeCard ↗A Visa card with pre-loaded credit for farmers, to facilitate card payments. Co-created by KM360 and Azania Bank PLC.

• Adaptation & Resilience SolutionsPractical tools that help farmers cope with a changing climate.
• E-Extension & Early WarningDigital advisory, weather information and early alerts.
• Climate-Smart Farmers CalendarClimate-aware timing for planting, spraying and harvest.
• Land Use ManagementGPS mapping of farmland, forests and reserves.
• Climate Asset DigitizationThe Carbon Calendar records climate-related assets.
• Market for Appropriate TechnologiesDigital access to climate-smart tools and suppliers.
• Last-Mile Technology DistributionSeeds, fertilizer, implements and irrigation systems.
• Mitigation Co-benefitsTrack the emissions benefits of adaptation practices.
• Climate Credit FacilitationFinance for climate-smart inputs and equipment.
• Climate Insurance ServicesIndex and crop insurance to protect farmer incomes.

Maarifa ("knowledge" in Kiswahili) puts practical agricultural and business learning in the hands of the people who need it, in their own language and on the devices they already use.

• Capacity BuildingGood agricultural practices, climate-smart farming, financial literacy and group business skills.
• E-ExtensionMobile lessons through text, pictures, videos and IVR.
• E-AdvisoryExpert advice and training for Village Based Advisors and Digital Mobilizers.
• Shajara · Farmer DiaryA farm diary in digital and printed formats. Farmers record planting, inputs, labour, costs, harvests and sales. It includes a farm calendar, a farming season tracker, a savings tracker, a loans and credit tracker and a training attendance tracker. Where there is no network they write in the printed diary, then upload the records to the digital diary once they reach connectivity, building the records that lenders, buyers and certifiers ask for.