2. Background: Challenges for Smallholder Farmers Low Productivity Poor Market Access Inefficiency

6. Implications of these Challenges – Western Kenya Farmgate Brokers Local Brokers Central Brokers 65% 23% 9% 3% Small Plot Farmers Large Plot Farmers Processors Exporters Large Retailers Market & Other Fees Transporter Large Institutions

8. The DrumNet Model

15. PRODUCE PAYMENT FLOW Produce Delivery Note SHG to Buyer Buyer Picks up Produce Buyer weighs, grades, accepts or rejects Buyer Statement to DrumNet DrumNet Calculates payments per group DrumNet instructs Bank to transfer funds to FG accounts Farmer Groups Get Paid

16. Initial Results - DrumNet, farmers are retaining over 72% of the wholesale value of their produce. . 72% 9% 5% 14% Small Plot Farmers Large Plot Farmers Processors Exporters Large Retailers Market & Other Fees Transporter Large Institutions Commission

19. Thank You!