Enterprises that are legible
Each Agri-SME records the day on the Panuka Diary. That becomes structured money and production records — not a self-reported form.
For financial institutions & inclusion programmes
Strengthen financial inclusion. Develop a better-informed Agri-SME pipeline.
Build Agri-SME capability and records while improving the information available to your institution for engagement, due diligence and assessment.
What Pipeline Development creates — and where Panuka's responsibility ends
- Public / ESG value
- Agri-SMEs improve business knowledge, record-keeping and their ability to understand and present their enterprises.
- Institutional / business value
- A better-documented pool of prospective clients, and fewer of the information gaps that make early engagement and due diligence difficult.
- Panuka’s boundary
- Panuka strengthens capability and structures consent-based enterprise information. Your institution retains KYC, credit assessment, underwriting, approval, pricing and all lending decisions.
- Engine
- Teach + Tools + Linkages
- Who sponsors
- Financial institutions, DFIs and financial-inclusion programmes; SNV, corporate SED teams and government where the places are sponsored.
- Outcome
- Agri-SMEs with stronger business capability and structured records — and a better-informed starting point for your own assessment process.
What you get
Pipeline Development
A Bankability Scorecard you can read
A seven-pillar capability signal built from the enterprise's own records, so your team starts from structured information rather than a blank file.
Consent-based Data Rooms
The enterprise shares its record pack with you under its own consent — structured information for your assessment process, without a field visit per applicant.
Programme reporting you can use
Participation and progress measured against the outcomes agreed at the start, reported back to you — and to your own funder where the places are sponsored.
How it works
From mandate to verified outcomes
01 · Briefing
You tell us the objective — geography, enterprise type, scope and the outcomes you need to report on.
02 · Agree the criteria
We agree the information your team needs to see: segment, enterprise size, geography and timelines.
03 · Sponsor onto Panuka
Agri-SMEs are onboarded onto the platform. Learning, records and registration happen in one place.
04 · Better-informed pipeline
You receive a documented pool of enterprises with consent-based Data Rooms and reporting against the agreed outcomes.
National contribution
Zambia's National Financial Inclusion Strategy II
Pipeline Developmentcontributes directly to NFIS II. We report against these indicators rather than claiming the strategy's outcomes as our own.
See the full impact pictureIndicators 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 structured records, and gets a decision on the merits of the enterprise.
Looking to reach more Agri-SMEs — with better information?
Tell us the Agri-SME segment or value chain you want to reach, the inclusion objective, geography and approximate group size. We can explore a programme that combines capability development, digital records and structured enterprise information to support your engagement and assessment process.