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Introduction

agrifin sSmallholder farmers in developing countries face a number of challenges that impact their productivity and contribution to food security. These include lack of access to financial services (credit, savings, and micro-insurance) and limited access to rural advisory services. Over the years, there have been efforts to address these challenges to improve smallholder farmer productivity and contribution to food security. However, the lives of smallholder farmers have not significantly improved because only individual constraints have been addressed while others have been neglected. Mercy Corps realised that it was necessary to find an affordable, accessible way of providing services that addresses multiple challenges in sustainable business models.