Sub-Saharan Africa

MazaoPlus Loan: A Unique Innovation for Small-Scale Dairy Farmers in Kenya

March 16, 2015

By Caroline Mwende

Dorcas Wanjiru

Dorcas Wanjiru is a small-scale farmer from Banana, an area in central Kenya that is rich in agricultural production. When we arrive at her home, she is in the farm but quickly comes over and gladly welcomes us into her home.

It is a small piece of land; less than an acre. She lives here with her husband and four children and also carries out her farming activities here.

Opportunities for Increasing Access to Digital Finance in Nigeria

This report reviews the constraints that are hindering the adoption of traditional financial services by the mass market in Nigeria. It then provides an in-depth analysis of the banking landscape for digital finance and reviews barriers to adoption, such as the regulatory context, technical and infrastructure challenges, lack of agent networks and mobile and language literacy among the target demographic.

Lessons Learned, 2009-2014: Community Knowledge Worker Uganda Program

Smallholder farmers in Africa, Asia and Latin America face many challenges, including little or no access to quality inputs (e.g., seeds and fertilizer), insufficient information about farming "best practices", market prices and weather and limited access to markets and few financial resources. This makes it extremely difficult to increase their level of


Shanti’s life has always been determined by the seasons.

When she was a farm laborer, the monsoon rains, summer heat, and harvests dictated her days laboring in the fields.

Now, thanks to loans from Sonata, Shanti is the owner of a small general store and in tune with an entirely new schedule of seasons. Before the start of the school year, she stocks pencils, pens, and paper on her shop’s shelves, and before each festival, she stocks goods for that particular celebration.