Empowering the African Informal Economy
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Using digital technology to build opportunities
We strongly believe in the potential of innovative technology to promote development, enhance resilience and aid micro-entrepreneurs worldwide in achieving their goals and livelihoods.
Our mobile-based digital solutions bring trusted data and relationships to rural communities in savings groups and cooperatives, facilitating their access to financial services, agricultural inputs, and market buyers.
Our work has already helped thousands of smallholders in five countries improve their farming and saving practices.
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The Challenge
Millions of communities across Africa are trying to build a better future but are faced with a lack of resources, growing inequality (including gender-based inequalities), climate change risks and weak linkages among actors within agricultural value chains. Only 1% of bank lending on the continent is allocated to the agricultural sector yet more than 60% of the population of sub-Saharan Africa is smallholder farmers.
As small-scale farms in developing countries play a crucial role in feeding local populations and meeting international demand for agricultural commodities, access to the right resources and linkages unlocks tremendous opportunities for these communities. hiveonline is the connective tissue that links key actors (lenders, off-takers, NGOS and rural communities) in the economy and provides them with opportunities to forge equitable trading relationships.
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Our Impact at a Glance
- 65,000+ smallholder farmers
- Working with marginalised communities in Mozambique, Kenya and Ghana
- Regulatory approval from the Central Bank of Mozambique to facilitate third-party lending and financial inclusion to communities
- Supporting the production and sale of 52 crops, with focus on strengthening the cashew and groundnut value-chains
- Enabling climate-resilient adaptation with communities in Kenya, partnering with local organisations
Select a location to learn more about our past and current projects.
Our Partners
Donors or Grantmakers
NGOs or Commercial Partners
Accelerators or Research Partners
Recent Updates
- Getting Ready for Lending in Kenya and Mozambique!
It’s an exciting month here at hiveonline as we prepare to start lending to our users! We are launching a pilot to enable lending to our first 1,000 myCoop.online users in Mozambique… Read More »Getting Ready for Lending in Kenya and Mozambique! - hiveonline reaches 50,000 users!
hiveonline has reached 50,000 smallholder farmers and savings group members across our platform! Over the past eight months, hiveonline’s dedicated field officers (FOs) have worked tirelessly to bring our digital tools to… Read More »hiveonline reaches 50,000 users! - Expanding our Impact: 7500 Savings Group Members Join VSLA.online in Ghana
Picture of App Secretary Abdulai Mariama entering transactions into hiveonline’s VSLA.online app during one of her savings group’s meetings. We are thrilled to continue advancing financial inclusion in Ghana thanks to our… Read More »Expanding our Impact: 7500 Savings Group Members Join VSLA.online in Ghana - Empowering 2,000 Women Farmers: Hiveonline, CYNK, Flux and KenGrow Collaborate
Hiveonline, CYNK, Flux and KenGrow are partnering to lead a year-long project to empower 2,000 women smallholder farmers in Kenya sustainably. This strategic collaboration is driven by clear objectives that promote financial… Read More »Empowering 2,000 Women Farmers: Hiveonline, CYNK, Flux and KenGrow Collaborate - 🎉A Momentous Day for hiveonline – Regulatory approval in Mozambique!
After an intensive year, hiveonline has successfully completed the Mozambique Central Bank’s Regulatory Sandbox. This transformative initiative is driving accessibility to quality financial products and services for Mozambique’s smallholder farmers and agricultural… Read More »🎉A Momentous Day for hiveonline – Regulatory approval in Mozambique!