Product 04 / Eight · Digital Shops & Virtualshops

Duka.Pembejeo

Duka.Pembejeo™ turns physical agrovets and agroshops into Digital Shops — where owners order stock from larger suppliers and manufacturers, and manage their inventories and sales. Each Digital Shop's stock is connected to Virtualshops, a tool for rural agents and farmer organizations to aggregate demand, place orders and run last-mile supply in their own communities.

Digital Shops Virtualshops Demand Aggregation POS & Inventory Last-Mile

Duka Pembejeo

MAFINGA AGRO-VET · #08

2026-Q1-19 · 14:08 EAT

YaraMila Cereal · 50 kg×2 · 96,000
SC Duma 43 maize seed×1 · 28,500
Knapsack sprayer×1 · 64,000
Round-Up 1L×1 · 14,500
VAT 18%
TOTALTZS 203,000
JEMBE.PESA · LOAN VOUCHER #JV-3819
Farmer · Asha M.VK·0083·421
Group · Tunduma SACCO
— ASANTE · KARIBU TENA —
Category
Agritech · Retail Ops
For
Agrovets, Manufacturers, Rural Agents, Farmer Orgs
Channels
POS · Android · Web
Status
1,000+ Digital Shops · 4 input majors
[ 01 ] The Gap

A two-sided network. Digital Shops on one side, Virtualshops on the other.

Manufacturers and large suppliers push inputs into a market they cannot see. Farmers pull from a market that cannot reach them. Duka.Pembejeo™ bridges the gap from both ends — Digital Shops upgrade physical agrovets into connected retail nodes, while Virtualshops let rural agents and farmer organizations aggregate demand and run last-mile supply directly off those Digital Shop inventories.

— What the network unlocks
  • Stock ordering, direct from manufacturers
  • Real-time inventory & sales visibility
  • Demand aggregation by rural agents
  • Last-mile supply, into the village
[ 02 ] Capabilities

What Duka.Pembejeo™ does.

01POS

Tablet & phone POS

Sell from a phone, tablet or hardware terminal. Itemized receipts, VAT, mixed payments, mobile money — built for the realities of village retail.

02Stock

Inventory & restock alerts

Track every bag, sachet and bottle by SKU and batch. Auto-replenish from connected wholesalers when stock dips below the season's demand curve.

03Vouchers

Subsidy & loan vouchers

Redeem government e-subsidies and Jembe.Pesa™ loan disbursements at checkout. Funds settle to the dealer's wallet next business day.

04Trace

Anti-counterfeit traceability

QR codes from the input manufacturer flow through the chain. Farmers verify authenticity at point of sale. Counterfeits leave a trail.

05Finance

Stock financing

Inventory becomes collateral. Dealers access working capital from partner banks against verified stock-on-hand and historical turnover.

06Insight

Demand intelligence

Input majors see real demand at the village level — not the wholesaler-level fiction. Supply, marketing and pricing get sharper.

[ 03 ] Inside the duka

A typical week at a connected agro-dealer.

YaraMila Cereal · 50kgFERTILIZER · NPK 17-17-17
312 / 400BAGS
DAP Granular · 50kgFERTILIZER · OCP MOROCCO
108 / 200BAGS
SC Duma 43MAIZE SEED · 2kg PACKETS
42 / 300RESTOCK ↗
Round-Up · 1LHERBICIDE · GLYPHOSATE 360
78 / 120BOTTLES
Knapsack Sprayer · 16LEQUIPMENT · CP3 PATTERN
8 / 25UNITS
Tomato seed · Cal-JVEG SEED · 100g SACHETS
3 / 40RESTOCK ↗
[ 04 ] Network

1,000+ dealers. 4 input majors. One system.

1,000+Agro-dealers connected
4Major input suppliers
178MSMEs activated
3,466Jobs · 2025
[ 05 ] Pairs well with

Duka.Pembejeo™ is the storefront. Connect it to the rest of KM360™.

→ 03 · Jembe.Pesa™

Loan-to-input voucher.

Disburse credit straight to the till.

→ 01 · Vikundi.Digital™

Verified buyer, every time.

Each transaction tied to a known farmer profile.

→ 06 · MakiSai™

Tractor + inputs in one trip.

Bundle equipment booking with input pickup.

— Get started

Run your duka like a fintech.

For agro-dealers, input suppliers and government extension programs running last-mile distribution.