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Digitizing Agricultural Payments: Uganda’s Coffee Value Chain

This paper from CGAP tells the story of how the United Nations Mobile Money for the Poor (MM4P) team in Uganda worked with exporter Kyagalanyi Coffee Limited (KCL) to digitize one of the country’s most important cash crops: coffee. In addition to addressing the complex dynamics of digitizing agricultural value chains, the paper illustrates how seven organizations from different sectors embarked on a three-year journey to digitize Uganda’s coffee value chain. The solutions they built and lessons they learned have fueled the digitization of several other agricultural value chains in Uganda—particularly, tea, dairy, and maize. Their work helped to build a foundation that enables greater financial inclusion of smallholder farmers by increasing financial participation of farmers, traders, off-takers, and exporters in the formal economy.

CGAP is a global partnership of more than 30 leading development organizations that works to advance the lives of poor people through financial inclusion. Using action-oriented research, we test, learn and share knowledge intended to help build inclusive and responsible financial systems that move people out of poverty, protect their economic gains and advance broader development goals. We research and experiment to achieve proof of concept and extract lessons that can be built to scale by our partners, who apply our insights in the marketplace.

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