1. M-KAHAWA: Mobile Phone Financial Solution Shadrack Mubea Coffee Development Fund AFRACA Conference Kunduchi Beach resort; Tanzania May 16-18, 2012

2. M-KAHAWA: Mobile phone financial Solution

3. Background: CoDF’s mandate is to provide affordable, accessible and sustainable credit facility to the coffee subsector as well as stabilize coffee prices. Price stabilization requires stabilization of income of the producers.

4. Background: The Fund was created to be a leading institution in provision of financial solutions to the coffee industry. In order to fulfill this key role, the Fund over time has been developing innovative financial solutions to the subsector. M-KAHAWA: Mobile phone financial Solution

5. Background: The financial solutions include: lending, advisory, facilitatory or information services aimed at improving coffee production. The Fund therefore developed M-kahawa financial solution as an innovative channel through which coffee farmers can access services fast and cheaply.

6. M-KAHAWA: Mobile phone financial Solution What is M-Kahawa? M-Kahawa is a mobile financial and information service targeting coffee Farmers which will enable them to access a wide range of services through their mobile handsets. Though M-Kahawa was developed by the Fund to offer its products/services, CoDF is encouraging wider coffee sector to use the mobile phone service as an information service channel.

7. M-KAHAWA: Mobile phone financial Solution M-kahawa Rationale (Three aspects): Financial services: lending services i.e. Mini statements, cash payments/cherry advances through M-PESA services and accounts; Notifications and balance enquiries. Information services-marketing financial services, interactions/queries, feedback Self Appraisal services

8. M-KAHAWA: Mobile phone financial Solution Purpose: The Fund aimed at bridging the gaps existing in coffee financing aimed at: Stabilizing coffee producers income Curbing Cherry hawking and illegal coffee deals at farm level Encouraging farmers to deliver coffee through registered marketing channels for sustainability Improving coffee quantity and quality Improving accessibility affordability of coffee financial solutions (Reduce TAT)

9. Thank you! ---END---