Agro-Voucher

Agro Voucher Solution Unlock Value in the Supply Chain

Product brief

Voucher platform: overview

What it is

How it works

Why it matters

• A mobile based Afya Voucher where value is held on the consumers mobile phone

• The Aggregate value of the vouchers is held by custodial bank

• “X” Voucher Value valid for “Y” services in all players in the ecosystem

• Players in the ecosystem can Cash in to their Agto Vouchers

• Farmers can make payments for agro input services and products using vouchers

• farmers can Top up health vouchers via mobile money ot cash at agents

• Ensures that value can only be used for singular purpose

• Distribution of products and services is made easy by the co-operative or Government

• Provides farmer with freedom to visit agro vet of choice as long as they accept the Agto Voucher

• The Agro voucher custodian bank can extend credit to the farmers based on their transactional past and the through the use of the vouchers

The Vision: Create a Cashless Ecosystem

Develop mobile centric Voucher System, to hold value plus create linkage between product or service and assumed value

Capture all service delivery transaction data electronically, comprising all ecosystem players

Create repository of all visits / transactions / payment data, with historical trends, customer insight and analytics

Provide packaged services at each level in the value chain, that efficiently, reliably delivers world-class service with no cash

Link Supply Chain Actors

The Regulators

Smallholder Farmers

Trade Associations

Co-operatives

Extension Officers

Traders

Estate Factories

Millers

Raw Commodity Marketers Processors

Dis

join

ted

Eco

syste

ms

Agro Purchase Experience

Marketers Exporters

Processors Ware-houses

Societies Growers

Estates Growers

Market

Factory Co-op

Factory B Factory C Estate

Factory

Smallholder Farmers Estate Farms

Ext Officers + Input Suppliers (e.g. accredited nursery merchants) Flow of

goods Flow of

cash

AgriManagr Mobile

AgriManagr Hub

AgriManagr HQ

Hewani

Retailers Farmers

Stockists Buying Centres

Distributors Co-op Factories

Purchase Order

Delivery

Van Sales

Stock

Payments

Supply Chain Ecosystem

Manufacturer Processor

Field Sales Extension Services

Voucher Agency Network

Agent Agent Agent

Sub Agent Sub Agents Retailer

Sub Agent Retailer

Retailer

Consumer

Consumer

Consumer

Consumers

Voucher

Commissions

Structure

Loyalty

Points

8%

5%

3%

2%

500

300

200

100

HQ

Micro-agent hierarchy will enable agents to carry out transfer voucher value, between the agents within their hierarchy, using the mobile platform

Voucher database

Database

Quick snapshot of how it works

Farmer / Consumer Experience: Loyalty & Voucher Tracking

Farmers / Consumer will receive value on Loyalty based

on points

Value can be used to redeem product or Processor Voucher From: HQ

Message: You have received Award Points worth 1000 Farmer can send feedback

directly to Processor

Farmer can make queries and even voucher requests

Processor can send out alerts to its entire value chain

Agro-Voucher

End

Product brief