Agribusiness & Rural Finance

The agricultural potential in Mozambique, as in all of Southern Africa, is unquestionable. With an abundance of arable soil, numerous crops, favourable climate, and well-established trade corridors position the region to become a prominent producer and exporter of food staples to the World. However, despite agriculture being the main subsistence activity in the African continent, there are still numerous challenges to be overcome to fulfil the sector’s potential, particularly where the participation of smallholder farmers is concerned.

Over the last 11 years, ELIM has sought to contribute to the improvement of market conditions for sustainable smallholder participation in the region’s agricultural sector, starting with Mozambique. We employ a market systems approach to facilitate real systemic change for real, long-term, sustainable results for Southern Africa’s agro-entrepreneurs. .

Tangible Impact

Docinda Ngonga, 52 years old, is a smallholder farmer in Marracuene district, Mozambique. She lives with her husband and eight children, four of which are of school going age. In 2015, Docinda was one of 15 farmers trained by ELIM Serviços on Village Community Banking (VICOBA) as a member of the Marracuene Farmer’s Association. According to Docinda, the new knowledge about savings motivated her to invest in the bank, and subsequently take out loans that changed her quality of life. In 2016, Docinda borrowed from VICOBA to build her first brick and mortar home, an improvement from the precarious reed and straw dwelling that housed her family. In 2017, after repaying the first loan in full, she borrowed once again to fund the installation of electricity and piped water in her home, as well as begin a the construction of a second home for her expanding family. .