Smallholder farmers
Growing to feed your family and sell the extra. Start keeping simple records and learn the business side of farming — one step at a time.
For smallholder & emerging farmers
One platform. Every tool your farm needs to operate like a business.
Simple digital tools to track your money, production and stock — and turn them into the records funders and buyers trust.
Financial Literacy
Learn the business behind every farm
The AgriBiz Toolkit
Run your farm like a business
Business Plan BuilderFreeGuided questions to a bankable, investor-ready plan.Farm DiaryFreeSay what happened; it becomes records, reminders and reports.
Bankability ScorecardComing soonSee how funders score your farm — and how to improve it.
Linkages
Connect to funders, markets and people
Farming is a business. Panuka helps you run it like one.
Most farmers are locked out of finance for one reason: they were never taught the business side of farming, and they have no records to show for their work.
Panuka closes both gaps — learn the skills, keep clear records with easy-to-use tools, and build the AgriVenture Profile that makes your farm ready for finance and markets, with Panuka AI guiding you as you go.
Who Panuka is for
Built for farmers like you
Made for smallholder and emerging farmers. Wherever you are on your journey, Panuka meets you there — and helps you grow.
Emerging farmers
Ready to grow into a real business. Track every enterprise, prove your numbers, and get your profile ready for funders and buyers.
Trusted by farmers and partners across the region
555+
Farmers reached and supported since 2022
50%+
Women-led enterprises reached
How Panuka works for you
Four steps from sign-up to bankable enterprise.
01
Create your profile
Sign up free in 5 minutes. Choose your enterprise type — poultry, dairy, crops, horticulture, fish, or other — and tell us about your farm.
02
Learn the business
Take Academy courses at your own pace, or join us at Bankability Lab & Field Days. Build the financial discipline that funders expect.
03
Track everything
Use free digital tools to record your income, costs, production and receipts. Every entry builds your AgriVenture Digital Profile.
04
Get connected
Once your bankability score shows funder-readiness, Panuka links you to funders, service providers, talent and buyers.
LearnTrackConnectGrow
Next-gen agtech
Panuka AI: your virtual agronomist
More than just a chatbot. Panuka AI analyzes your soil data, weather patterns, and financial logs to provide executive-level advice. It’s the intelligence layer that powers your entire agribusiness.
- Yield prediction & disease analysis
- Market timing & pricing optimization
- Automated financial reporting for lenders
“Panuka AI cut our fertilizer wastage by 22% in the first season. It’s like having an expert agronomist in my pocket 24/7.”
— Peter M., Commercial Maize Farmer
Three ways to use Panuka
On your phone, on the web, all in one dashboard.
Same farm record. Same AI advisor. Same bankability score. Sign in once — use anywhere.
Android app
Panuka on Google Play
- Camera receipt capture
- Works on low-end phones
- Offline-friendly daily logs
iOS app
Panuka on iPhone
- Native iOS experience
- Live cloud-style sync
- iPhone & iPad ready
Web app
Panuka in your browser
- Full financial tracker
- AgriVenture Profile & Data Room
- Works in any browser
One account · same data across phone, web and dashboard.
Best on the web — your full command centre
Create your free account & sign in on the web for the full picture
Mobile captures the field. The web is where it all comes together — deeper analytics, your full profile, funder-ready reports.
What the web app gives you
Financial Analytics
Income, costs, margins and cashflow — charted from your own records.
Production Analytics
Yields, herd and crop trends across every enterprise you run.
AgriVenture Profile
Build the full digital profile funders want — data room and evidence.
Bankability deep-dive
Your score broken down section by section, with recommendations.
Voices from the journey
Real records. Real farmer stories.
Hear directly from the agribusinesses and farmers who have been through our training — straight from our YouTube channel.
Dr. Jonas Mwale
Medical Doctor & Agripreneur, Zambia
Samson Nyendwa
Managing Director, Corteva Agriscience Zambia
Rebecca Liwa
Animal Science Student, Zambia
Mr. Wamulume Mataa
Agripreneur, Zambia
Panuka AgriBiz Academy
Learn the business of farming.
Self-paced courses in financial management, business planning, fundraising and risk — each with a certificate on completion.
Risk Management Fundamentals for a Farming Enterprise
Self-paced · CertificateHow to Unlock Factors of Production towards Farming as a Business
Self-paced · CertificateAccounting and Financial Management Fundamentals for Agripreneurs
Self-paced · CertificateFundraising Strategies and Options for Agripreneurs: The Bankability Lens
Self-paced · CertificateFrom K554 / $36 per course · 12-month access · Verified certificate
Bankability Lab & Field Days
Come learn at the farm.
Two hands-on days at Panuka Farm — morning agribusiness lessons, afternoon hands-on farm practicums. You leave with a plan, a profile, and six months of full platform access.
2 days
Classroom lessons + farm practicums
On the farm
Real fields, real livestock, real work
6 months
Full platform access included
New cohorts run regularly at Panuka Farm — see upcoming dates when you register.
Publications
Practical guides for farm business
Handbooks and resources written for African agripreneurs — available in digital and print.
Over 2,000 Copies Sold
Farming as a Business
A Practical Handbook for First-Time Farmers in Developing Countries
Transform Your Farm into a Thriving Business
Written by Bruno N. Mweemba (Mr. Panuka), this practical handbook is designed for first-time farm owners and those seeking to formalize their operations. This guide draws on 20+ years of development finance and farming experience, offering realistic insights grounded in African agricultural realities. It covers farm establishment, survival strategies, and early growth — everything you need to run your farm as a real business.
From establishment to early growth
Covers farm establishment, survival strategies, and early growth
20+ years of expertise
20+ years of development finance and farming experience
Grounded in African realities
Realistic insights grounded in African agricultural realities
Hard copies available in Zambia, Malawi, Zimbabwe and Botswana