MkulimaScore Insights

Practical thinking on agricultural credit.

Founder-led perspectives on underwriting, farmer records, repayment context and the systems needed to finance African agriculture more effectively.

Agricultural underwriting

Agricultural underwriting

The Farmer Is Not the Borrower. The Production System Is.

Why agricultural finance must understand the system behind repayment, not only the individual borrower.

Francis Onyango, Founder and CEO

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Credit infrastructure and governance

Credit infrastructure

Every Farmer Starts From Zero

Why repeated verification raises the cost of agricultural finance and how permissioned farmer records can reduce that burden.

Francis Onyango, Founder and CEO

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Policy perspective

Why AgriConnect Will Need Farmer Credit Readiness

Why farmer registration and advisory services need lender-ready records if they are to support finance.

Francis Onyango, Founder and CEO

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Market and ecosystem intelligence

Market intelligence

What CBK's Agriculture Survey Tells Us About Farmer Finance

What sector evidence reveals about fragmented farmer information and institutional lending confidence.

Francis Onyango, Founder and CEO

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Field reflection

After FINAS 2026

Africa needs more than agricultural finance. It needs better information about agricultural risk and repayment capacity.

Francis Onyango, Founder and CEO

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