Impact

Impact we can stand behind.

Distinguishing between what we deliver directly, what we influence, and the monitored outcomes of the wider agribusiness ecosystem.

Deliver
Direct impact
Influence
Wider reach
Monitor
Measurable outcomes

The sourced problem

Viable farms, invisible to lenders

<3%: of small and medium farmers access formal credit
11%: of the small and emergent agricultural sector received formal credit in Q4 2022
80.1%: are financially “included” — yet the credit gap remains
~$65bn: annual agri-SME financing gap

Our discipline

Honest about our limits

We prepare and verify. We never promise a loan, a contract or a return.

What we control

The knowledge, the records, the registration and the verified profile — the things that make a farm legible to a lender or a buyer.

What we influence

We cut a lender's screening cost and a buyer's risk. The loan and the contract remain entirely their decision.

What we only monitor

Interest rates, collateral law and market prices sit outside our reach. We track them; we do not claim them.

National contribution

Zambia's National Financial Inclusion Strategy II

Each service line contributes to specific NFIS II indicators. Here is which, and what it means for people.

Pipeline Development

See the service

Indicators contributed to

Access to formal credit for the small and emergent agricultural sector
Usage of formal financial products, not just account ownership
Quality of financial infrastructure serving agriculture

What this means: A farmer who could not previously be assessed arrives at a bank with verified records, and gets a decision on the merits of the enterprise.

Market & Supply-Chain Linkages

See the service

Indicators contributed to

Formalisation of micro, small and medium enterprises
Access to markets for smallholder and emergent producers
Financial inclusion beyond credit — payments and records

What this means: A dealer or out-grower becomes a traceable, contractable business, so a formal buyer can source from them with confidence.

Retire-to-Farm

See the service

Indicators contributed to

Financial capability and literacy among adults
Enterprise formalisation and business record-keeping

What this means: Someone retiring puts their gratuity into an enterprise with a costed plan behind it, instead of into a hopeful hectare.

Verified traction

Real records. Real partners. Real finance-readiness.

588+: Agri-SMEs trained and supported since 2022
50%+: women beneficiaries across verified groups
~40%: youth beneficiaries across verified groups
80: agro-dealers onboarded onto Panuka for Corteva Agriscience

Trusted Partners

Trusted by partners across banking, conservation, government and development.

Corteva Agriscience
World Wide Fund for Nature (WWF) Zambia
Ecobank Zambia
Kansanshi Mine PLC (First Quantum Minerals)
USAID EDGE Programme
Estonian Centre for International Development (ESTDEV)
Finnish Institute of Public Administration (HAUS)
SNV Netherlands Development Organisation
EU Digital for Development Hub (D4D Hub)
National Technology Business Centre (NTBC)

Interested in partnering with Panuka? Start the conversation →

Impact stories

Our work with partners on the ground in Zambia

Corteva Agriscience

80 agro-dealers onboarded onto Panuka — building the business records the input-supply network runs on.

Kansanshi Mine PLC

Working with the mine's community and supply-chain programmes to build bankable farm enterprises around the operation.

WWF Zambia

WWF-supported farm onboarding — building bankable farms for 100 farmers alongside conservation outcomes.

SNV Zambia

Sponsored Agri-SME onboarding, delivering a verified pipeline against agreed development outcomes.

More documentaries, testimonials and field footage on our YouTube channel.