Top 5 Mobile-Enabled Cooperative Accounting Tools for Smallholder Farmers
Non-sponsored, Expert Verified and Transparently Ranked 5 Mobile-Enabled Cooperative Accounting Tools for Smallholder Farmers
Published: January 25, 2026 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Core Banking System by Musoni Services scored highest due to Agricultural SACCOs and MFIs serving dispersed smallholder farmers. Delivers integrated accounting and regulatory-grade reporting with mobile money support [1](https://musonisystem.com/core-banking-system/), and an offline Digital Field Application for originations, collections, and data capture where connectivity is poor [2](https://musonisystem.com/digital-field-application/), with proven large-scale deployments [3](https://musonisystem.com/proximity-finance-launch-musoni-digital-field-application/)..
Content Verification
Side-by-Side Comparison
| Feature | #1 Core Banking System (Musoni Services) | #2 Core Banking System (Oradian) | #3 Kwara Core Banking Platform for SACCOs (Kwara) | #4 eProd Supply Chain Management System (eProd Solutions) | #5 AgUnity Co-op Manager Platform (AgUnity) |
|---|---|---|---|---|---|
| Best For | Agricultural SACCOs and MFIs serving dispersed smallholder farmers. Delivers integrated accounting and regulatory-grade reporting with mobile money support [1], and an offline Digital Field Application for originations, collections, and data capture where connectivity is poor [2], with proven large-scale deployments [3]. | MFIs and financial cooperatives financing smallholders across rural regions. Core platform provides real-time processing and extensible APIs for rapid product rollout [1]; Edge enables offline collections, onboarding, and data sync in low/no connectivity [2]; workflows optimized for rural inclusion [3]. | Credit unions/SACCOs serving smallholder communities that need mobile-first member services. Platform is tailored to SACCO operations with compliant accounting/reporting [1], SASRA-compliant modules and open APIs [2], and a production mobile app enabling onboarding, savings, and loan repayments [3]. | Agricultural cooperatives and processors buying from many smallholders. Provides ERP for registration, procurement, and quality-based payment flows with mobile e‑wallet integrations [1], Android field app for real-time deliveries and faster payment processing [2], and deployments focused on traceability and farmer payments [3]. | Farmer cooperatives needing simple, trustworthy mobile transaction records and payouts in remote areas. App captures farmer, cooperative transactions on blockchain with offline sync [1], while Co‑op Manager digitizes member data and compliance at scale (e.g., OCFCU) [2], streamlining traceability and services [3]. |
| Mobile Field Functionality | Android Digital Field Application for loan officers enabling online/offline client and group registration, loan applications, repayments and group collections, plus custom surveys/PPI and field-officer reports. Automatically syncs to Musoni Core Banking, mirroring products, workflows, forms/fields; core changes push to the app. Available on all Android devices. (musonisystem.com) (musonisystem.com) (musonisystem.com) | Oradian Edge is an offline-enabled Android field officer app: collect repayments/deposits, record transactions, view/edit client profiles and history, create loan accounts, enter new loan/client and deposit applications, and review details. Works with poor/no connectivity and syncs to the core when back online, improving on-site collections. (oradian.com) | Member-facing mobile channels: Kwara Connect app and USSD *341# support in-field onboarding, balance/statement views, deposits, loan applications (including instant loans), repayments, and digital guarantorship; works on smartphones and feature phones for remote access without data. (apps.apple.com) | Android field app: offline data capture with later sync; GPS geotagging and polygon/field-size measurement by walking plots; map farmer groups and collection points; procurement/field collections; field inspections and activity monitoring with GPS proof-of-visit; access to loan/credit details; geo-referenced questionnaires for certification/M&E; real-time delivery info to office for faster payments. (eprod-solutions.com) | AgUnity Field Apps capture in-field transactions and processing, functioning offline with automatic sync to Co‑op Manager. (doc.agunity.com) They replace paper receipts with secure digital records, support cash/produce handover and in‑app marketplace purchases, and tie to device IDs with PIN access for users working in low‑connectivity contexts. (agunity.com) |
| Compliance and Reporting Tools | Extensive reporting with scheduler and export; integrated accounting offers real-time financial reports. Supports Sharia-compliant products. Integrates with BankBI for automated management and regulatory reporting. Includes social performance measurement (PPI, custom surveys). (musonisystem.com) | Real-time, configurable OLAP-based reporting dashboards, plus built-in regulatory reporting to automate local filings. (oradian.com) No-code custom fields capture compliance data; client management supports KYC/AML rules. Admin controls deliver role-based permissions, real-time activity logging, and MFA; platform is ISO 27001-certified and designed for local regulatory hosting compliance. (oradian.com) | Kwara Core provides SASRA‑compliant reporting with one‑click generation. (kwara.com) Configure templates, map GLs, set date ranges, generate nine SASRA forms, and export to Excel with role‑based permissions. (help.kwara.com) Compliance controls include immutable audit logs, granular permissions, and maker‑checker approvals; positioned as Data Protection Act ready. (kwara.com) | EUDR tools: GPS/polygon mapping, farmer legality checklists, interactive due‑diligence reports/statement generation, GeoJSON export, and EU API (TRACES/Deforestation‑Free Trade Gateway) integration with risk visualization. (eprod-solutions.com) Certification data collection shared directly with external auditors; MEAL/ESG reporting and BI dashboards for traceability and impact reporting. (site.eprod-solutions.com) | Compliance: EUDR/CS3D support via traceability (Tracingly), GPS farm mapping for compliance control, certification management, and blockchain‑secured records; optional deforestation analytics via OpenAtlas. Reporting: reliable reporting with member tables/summary data, generate insightful reports, and monitor transactions. (agunity.com) |
| Integration with Financial Services | API-first core banking integrates with mobile money (e.g., M‑PESA, Airtel, Payway) for loans/savings payments, supports USSD and mobile banking, and offers REST APIs/webhooks. Connects to credit bureaus/scoring (e.g., Myanmar’s MCIX). Open finance via Brankas enables account-to-account payments, bank account opening, and secure financial data retrieval. (musonisystem.com) | REST API, first core enables integrations with wallets, card management, payment gateways, ATMs, bill payments, e‑KYC/AML, credit/trust scoring, and loan lifecycle apps; supports push/pull APIs for real‑time streaming; offers a partner library (e.g., WhatsApp, Geniusto) and fine‑grained, backward‑compatible API permissions. (oradian.com) | APIs enable M-Pesa and bank reconciliation; integrations include credit bureaus (CRB), ATM cards, agency banking and POS; plus open APIs for third‑party services. Member channels (USSD, app) support digital deposits and instant loan disbursement. (kwara.com) | Integrates payments via mobile money, online banking, and e-wallets, enabling scheduled farmer payouts. (site.eprod-solutions.com) Partners with LendXS for integrated credit processing/credit scoring to unlock smallholder finance, and supports direct bank integrations (e.g., VBank) for paying farmers and sharing data for credit scoring/loan management. (eprod-solutions.com) | Provides FI-ready transaction and field data to support KYC and income/credit assessment for rural clients. (agunity.com) Integrates eKYC via VaultID for onboarding un/underbanked users. (agunity.com) Also supports digital asset and remittance features through CryptX Wallet and the AgriUT token ecosystem. (agunity.com) |
Musoni ServicesCompany Information
Musoni is a digitalisation partner for microfinance, helping financial organisations to digitalise their operations. They offer a range of solutions, including core banking systems, digital field applications, and mobile money integration. Their platform is cloud-based and offers flexible pricing, making it accessible to microfinance institutions of all sizes.
Keywords
Description
Musoni supports organisations around the world with its award winning core banking solutions.
What They Do
Provide cloud banking solutions for microfinance institutions.
Who They Serve
Microfinance institutions and financial organizations globally.
Key Value Propositions
Case Studies
Hayman Microfinance — Hayman Microfinance
Doubled client numbers & portfolio size each year since launching Musoni.
Read Case Study →Proximity Finance — Proximity Finance
Agricultural Finance specialist places Musoni at the core of their digitalisation journey.
Read Case Study →Good Brothers’ and Musoni System Impact — Good Brothers
GBS adopted the Musoni System as part of their digitalization journey in July 2021 with a portfolio of 13K clients and 33K loans.
Read Case Study →VisionFund Myanmar — VisionFund Myanmar
Improved efficiency & digitalised field operations for over 350k end clients.
Read Case Study →MicroLoan Foundation — MicroLoan Foundation
Rapid growth, and digitalised data capture for 90k clients across Malawi, Zambia & Zimbabwe.
Read Case Study →Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
Cloud-native core banking built for microfinance institutions and SACCOs with integrated accounting, reporting, and compliance tools. Mobile-ready with client banking, mobile money integrations, and a Digital Field Application for loan officers working with remote smallholder groups.
Key Features
- Client & Group Management: Supports both individual and group client methodologies
- Loans & Savings: Flexible modules for launching and managing loan and savings products
- Integrated Accounting: Real-time bookings and financial reports
- High Quality Reporting: Extensive reports, report scheduler, and data export tools
- Credit Checks: Automated system checks to support credit committees
- Social Performance Measurement: PPI and custom surveys included
- Mobile Ready: Automated SMS and integration with mobile money services
- Digital Field Application: Tools to digitalise and improve field operations
- Client Mobile Banking App: Provides clients with access to their information
Key Benefits
- No need for storage, server maintenance, or backups
- Eliminates large upfront hardware investments and ongoing maintenance costs
- Supports rapid product launches and operational efficiency
- Improves decision-making with integrated credit checks and reporting
- Enables digitalisation of field operations and client engagement
Who Is It For
- Microfinance institutions (MFIs)
- Organisations seeking to digitalise field operations
- Financial service providers focused on group and individual lending
Musoni is the core banking system for microfinance
Musoni’s multi-award winning core banking system is used by organisations around the world to improve efficiency and grow rapidly.
Banking on the Cloud
Musoni is a cloud core banking system hosted with AWS. By hosting on the cloud, with Musoni you never need to worry about storage, server maintenance or backups again. Large upfront investments in hardware and the ongoing costs of maintaining your hardware are things of the past.
Built on microfinance best practice
Before launching Musoni, the team previously ran a successful MFI in Kenya and were directly involved in microfinance operations. This experience has fed directly into the design of the core banking system, and can be seen through the workflows, business logic, reporting and product design.
Key Features
- Client & Group Management: Individual & Group Client methodologies are fully supported.
- Loans & Savings: Full & flexible loan and savings modules. Launch products quickly & easily.
- Integrated Accounting: Realtime bookings & financial reports at your fingertips.
- High Quality Reporting: Extensive high quality reports alongside report scheduler and data export tool.
- Credit Checks For Improved Loan Decisions: Automate credit committees with our unique system checks.
- Social Performance Measurement: PPI & custom surveys included as standard.
Digitalisation Tools
- Mobile Ready: Automated SMS & integration with mobile money services.
- Digital Field Application: Improve efficiency & digitalise your field operations.
- Client Mobile Banking App: Provide your clients with the information they need.
Get started now with a free demo - No obligation to purchase - Fully enabled system - No credit card required
- No obligation to purchase
- Fully enabled system
- No credit card required
Resources
Detailed Comparison
Mobile Field Functionality
Compliance and Reporting Tools
Integration with Financial Services
OradianCompany Information
Oradian is a cloud-native core banking platform that enables financial institutions to rapidly launch new products and scale securely with ease. It offers a flexible, short-term subscription pricing model and is designed to be extensible, allowing for the addition of new features in real-time.
API Resources
Keywords
Description
Oradian's cloud-native core banking system accelerates growth for banks and fintechs with digital transformation partnerships and locally tailored support.
What They Do
Provide a cloud-native core banking system designed to accelerate growth for banks and fintechs.
Who They Serve
Banks and fintechs in dynamic markets.
Key Value Propositions
Case Studies
SME lending in the Philippines — Esquire Financing
Learn how Oradian helped power business growth for Esquire Financing.
Read Case Study →Digital bank customer story — FairMoney
Learn more about FairMoney's experience with Oradian.
Read Case Study →What Customers Say
"Oradian is an affordable tool that helps us be sustainable and compete with commercial banks."
— LAPO Agriculture and Rural Development Initiative
"Oradian offers a vital combination of flexible, scalable, best-in-class technology and comprehensive in-market customer support and expertise that enables us to drive growth, scale rapidly, and boost our performance."
— Salmon
"With the help of Oradian, NOLT was able to submit its first CBN returns within the necessary time frame."
— Nolt Finance
"It's not just a vendor relationship. What we found in Oradian is a strategic partnership that will lead us to sustainable growth."
— Cantilan Bank
"Oradian was able to adapt its system to meet the needs of our customers, as well as our internal salespeople."
— Esquire Financing
"Oradian offered us an open API layer straight out of the box."
— Agribank
"Oradian has improved customer acquisition and customer service. It has also made it easier for us to scale our business."
— Creditville
"A fool-proof system that makes sure our clients get the service they deserve."
— RAFI Microfinance Inc.
Target Customers
Industries Served
Trusted By
Contact Information
Key Pages
Navigation Links
Summary
Cloud-first core banking platform for MFIs, cooperatives, and digital lenders operating in dynamic, rural markets. Offers real-time processing and extensible REST APIs, paired with Oradian Edge, an offline-enabled Android field officer app.
Key Features
- Cloud-first architecture with dedicated and community cloud options.
- Model Driven Architecture® for rapid feature implementation and always up-to-date systems.
- Blue/green deployment for zero downtime.
- Real-time processing and 24/7 service availability.
- Intuitive UI for easy configuration and deployment of new features.
- REST APIs for integration with almost any third-party system.
- Granular API user permissions and separation of read/write, transactional/accounting APIs.
- Library of integrations with third-party providers (e.g., Whatsapp, Genuisto).
- Logical replication deployment protocols for seamless upgrades.
- Warm standby and multi-location data backups for disaster recovery.
Key Benefits
- Scalable and flexible to support business growth and changing needs.
- Rapid product development and launch in any market without complex engineering.
- Real-time, always-on operations with zero downtime.
- Highly secure cloud hosting with multi-location data storage and backup.
- Extensive API connectivity for easy integration with third-party providers.
- Fully parameterised modules and unlimited custom fields for compliance and reporting.
- Forward and backward compatible releases with full rollback support.
- Access from anywhere with a light-touch user interface and mobile network compatibility.
- Low-code methodology for quick updates and new functionalities.
- Dedicated support for custom integrations.
Who Is It For
- Banks
- Financial institutions
- Organizations seeking to scale operations and launch new products quickly
- Institutions requiring secure, compliant, and extensible core banking solutions
Use Cases
- Launching new financial products in multiple markets rapidly.
- Integrating with legacy systems and modern third-party services.
- Scaling customer base and branch network efficiently.
- Ensuring business continuity and data security.
- Customizing compliance and reporting fields.
The cloud core banking system that puts growth at your core.
Oradian helps you scale in any environment with a flexible and extensible core banking system. It supports the size and structure of your business today, and whatever it will become tomorrow.
The best core banking system for any environment.
- Cloud first: All-inclusive, scalable, always-on, fast, and accessible from anywhere.
- Go faster: Launch new products in any market in minutes.
- Fully parameterised: Implement modules and set unlimited custom fields.
- Operate in real time: 24/7 real-time processing.
- Model Driven Architecture®: Rapid feature implementation and always up-to-date.
- Zero downtime: Blue/green deployment across multiple servers.
Discover an extensible core banking system.
- Deploy new features without extra coding or development.
- Configure system via intuitive UI.
- Integrate with existing systems and third parties via near-infinite API connectivity.
- Add unique custom fields for reporting or compliance.
Cloud hosting for your business today and your growth tomorrow.
Oradian's core banking system operates on a dedicated cloud, providing enhanced security and dedicated data storage centres across multiple locations.
- Rapid development: Launch new products in record time.
- Scale in the cloud: Community cloud architecture scales as you scale.
- Always up-to-date: Forward/backward compatible releases and rollback support.
- Always online: Seamless upgrades with logical replication deployment.
- Access from anywhere: Full functionality on mobile networks.
- Secured: Data stored with warm standby and multi-location backups.
Open up with Oradian's evolutionary model-first approach.
With Oradian's REST APIs, customers deploy powerful integrations with almost any third-party system or provider.
- Future proof: Connect to new and legacy systems via APIs.
- Complete control: Fine-tune API permissions and separation.
- Universally integrated: Library of integrations with third parties.
- Low-code methodology: Update schema and APIs instantly.
- Backwards compatibility: Older API versions continue to work.
- Commission custom integrations: Oradian team supports custom API integrations.
Average year-on-year growth across all types of Oradian customers.
- 78% more customers.
- 55% increase in active user volume.
- 60% more branches for banks.
Think bigger. Go further.
Come and see the future with us. Talk to one of our core banking experts.
Resources
Detailed Comparison
Mobile Field Functionality
Compliance and Reporting Tools
Integration with Financial Services
Kwara Core Banking Platform for SACCOs
KwaraCompany Information
Description
Experience unparalleled uptime, ironclad security, and empowering self-serve tools with the exclusive core banking platform tailored for SACCOs.
What They Do
Kwara provides a core banking platform specifically tailored for Savings and Credit Cooperative Organizations (SACCOs).
Who They Serve
SACCOs and their members.
Key Value Propositions
What Customers Say
"The robust and agile cloud system has so far had a 100% record uptime as well as nil cyber-attacks. I do not therefore hesitate to recommend the Kwara core banking system to any prospective SACCO that is keen to take their service touchpoints to the next level."
— Lucas Ondong, Chief Operating Officer at The Kenya Bankers
Target Customers
Industries Served
Contact Information
Summary
Purpose-built core banking and digital channels for SACCOs, including mobile app and USSD access for members. Provides accounting, compliance (SASRA) reporting, and modern self-service tools to digitize cooperative operations.
Key Features
- Business Intelligence: Track performance, PAR, credit scores, and platform usage
- Loan Origination and Appraisal: Fast, secure, and effective loan processing
- SASRA-compliant Reporting: One-click regulatory reports
- HR and Payroll: Manage additional services via API
- Granular permissions and data access controls
- Approval system with maker-checker functionality
- Mobile channels: Member app and USSD access
- Open APIs for third-party integrations
- Highly configurable products, users, and controls
Key Benefits
- Enhances SACCO efficiency by up to 40%
- Ensures unparalleled uptime and reliability
- Provides seamless SACCO and member experiences
- Supports regulatory compliance (e.g., SASRA reporting)
- Offers self-serve tools for SACCOs and members
- Highly configurable and customizable to SACCO needs
- Simple, affordable pay-as-you-go pricing
- Unlimited user licensing
Who Is It For
- SACCOs (Savings and Credit Cooperative Organizations)
- SACCO management teams
- SACCO members
Use Cases
- Digitizing SACCO operations
- Automating member management
- Streamlining loan origination and appraisal
- Generating regulatory reports
- Integrating with HR and payroll systems
- Providing mobile and USSD banking channels to members
Revolutionize your SACCO Operations
Experience unparalleled uptime alongside seamless SACCO and member experiences with Kwara's full-suite of self-serve tools, ensuring safety and compliance.
We offer a complete product suite for any SACCO
- Business Intelligence: Track performance, PAR, credit scores, and platform usage
- Loan Origination and Appraisal: Fast, secure, and effective loan processing
- SASRA-compliant Reporting: One-click regulatory reports
- HR, Payroll and more: Manage additional services through Kwara’s API
How we compare
- Granular permissions for secure data access and workflows
- Approval system with maker-checker
- Mobile channels with proven member growth via App and USSD
- Unlimited licensing for users
- No vendor support needed with highly configurable products, users, and control
- Simple, affordable pay-as-you-go pricing
- Open APIs for third-party integration
Security comes first
Kwara invests in security with a three-way approach: up-to-date technologies, modern policies, and data protection training.
- Use of the latest cybersecurity technologies, regular audits and pen-testing
- Secure policies: least-privilege, data encryption in transit & at rest, secure-by-default
- Rigorous, regular data protection training for staff
The KUSCCO technology partner with 200+ clients
Leverage the power of shared services by joining the technology arm of KUSCCO to access secure core banking and channels.
In case you have questions
- Switching to Kwara is seamless with a dedicated migration team.
- Kwara accommodates unique SACCO offerings with high flexibility.
- Implementation is structured to minimize disruptions, with comprehensive training and 24/7 support.
- System is customizable to meet specific operational needs.
Join the future of SACCO banking.
Make the Smart Move to Kwara and Revolutionize Your SACCO's banking.
Resources
Supporting Resources
Detailed Comparison
Mobile Field Functionality
Compliance and Reporting Tools
Integration with Financial Services
eProd Supply Chain Management System
eProd SolutionsCompany Information
Description
eProd is a supply chain management system that offers an affordable way for agribusinesses to manage farmer data, improve farmer communication, and streamline operations.
What They Do
Provide a supply chain management system for agribusinesses.
Who They Serve
Agribusinesses and cooperatives in the agricultural sector.
Key Value Propositions
What Customers Say
"Thanks to eProd, our operations have been smoothly running even amidst the challenges of the pandemic. The app is so easy to use, making our work much easier."
— Julius & Josephine, Soy Bean Value Chain
"eProd’s traceability features help us track farmers and monitor the impact of our practices."
— Grace Njoroge, C.E.O. Miyonga Fresh Greens Ltd
"Without a traceability system, tracking honey bucket distribution and returns is challenging. eProd ensures every bucket is accounted for, reducing losses and improving efficiency."
— Joseph Kadendula, Founder & C.E.O. Swahili Honey
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
Agribusiness ERP for buyer cooperatives and aggregators sourcing from thousands of smallholders. Covers farmer registration, procurement, quality, and payments with a mobile Android app for field officers.
Key Features
- Comprehensive farmer profiling (demographics, field data, training, production, loans)
- Yield forecasting and integration with soil testing for nutrient advice
- Traceable input and loan distribution management
- Procurement and quality control via mobile app (online/offline)
- Integrated payment solutions (mobile money, online banking, e-wallets, cash accounting)
- Real-time SMS and email communication with farmers and groups
- Inventory and stock management for inputs and produce
- Certification data collection and sharing with external auditors
- GPS and polygon mapping for large-scale farm and carbon monitoring
- Interoperability with other platforms for traceability, carbon monitoring, and finance
Key Benefits
- Structuring unstructured agricultural markets
- Improved efficiency and transparency in supply chain operations
- Enhanced traceability from field to market
- Supports compliance with local and international certifications (e.g., Organic, GlobalGAP, EUDR, FairTrade)
- Facilitates real-time communication with farmers
- Enables data-driven decision making and risk mitigation
Who Is It For
- Agribusinesses
- Cooperatives
- Organizations managing smallholder farmers
- Companies seeking supply chain traceability and compliance
Use Cases
- Managing outgrower schemes
- Implementing training and certification programs
- Distributing and tracking agricultural inputs and loans
- Purchasing and grading produce from farmers
- Paying suppliers through various channels
- Communicating market, weather, and logistics updates to farmers
- Ensuring compliance with international supply chain regulations
Create comprehensive farmer profiles
Clients use the system to set up a sustainable value chain, profiling farmers in groups, cooperatives, and unions. Collects demographic, field planting, training, production, and loan data.
- Farmer grouping and profiling
- Demographic and field data collection
- Training and loan tracking
Increase the production of their outgrowers
Assists field officers in registering and monitoring planting, implementing training and certifications, and using yield forecasting and soil testing integration for better advice.
- Planting registration and monitoring
- Training and certification support
- Yield forecasting and soil testing integration
Monitor Input Distribution
Assigns traceable inputs to farmers, manages input loans, and tracks repayment against future deliveries.
- Traceable input assignment
- Input loans and repayment scheduling
Purchase produce from their suppliers
Procurement is fully traceable via a mobile app (online/offline), with quality indicators and grading integrated.
- Mobile procurement (online/offline)
- Quality and grading integration
Pay suppliers
Payments via mobile money, online banking, e-wallets, or cash (with accounting). Payment schedules can be daily, weekly, monthly, or seasonal. Delivery info can be shared via SMS.
- Multiple payment channels
- Flexible payment scheduling
- Automated SMS notifications
Communicate with farmers
Real-time communication for logistics, training, weather, market prices, and pest alerts via SMS or email to individuals or groups.
- Real-time SMS/email communication
- Targeted or bulk messaging
Manage stocks/ inventory
Tracks input and produce inventory at all levels for transparency and planning.
- Inventory management for inputs and produce
- Transparency and accountability
Collect data for certification
Field, farmer, or group surveys for certification data, shared with external auditors. Supports mapping for carbon monitoring.
- Certification data collection
- External auditor sharing
- GPS and polygon mapping
Resources
Supporting Resources
Detailed Comparison
Mobile Field Functionality
Compliance and Reporting Tools
Integration with Financial Services
AgUnityCompany Information
Description
AgUnity implements digital solutions that streamline smallholder farmer value chains and ensure compliance with regulations. Their tools empower cooperatives with efficiency and transparency, facilitating legal adherence from farm to consumer.
What They Do
AgUnity provides digital solutions for smallholder farmers and cooperatives, focusing on enhancing traceability in supply chains and compliance with agricultural regulations.
Who They Serve
Smallholder farmers, farmer cooperatives, NGOs, government agencies, financial institutions, and raw commodity buyers.
Key Value Propositions
Case Studies
Digitising Records of Farmers from OCFCU — Oromia Coffee Farmers Cooperative Union (OCFCU)
AgUnity has successfully digitised the records of over 100,000 farmers from the Oromia Coffee Farmers Cooperative Union using the Co-op Manager platform.
Read Case Study →What Customers Say
"We are extremely grateful for the support and dedication that AgUnity has shown towards our cooperative over the years. Their expertise in organising our information structure and guiding us through our digital transformation journey has been invaluable."
— Dejene Dadi, General Manager
"AgUnity’s field missions were carried out in way that exemplified human-centered design at its best as the team lived with its users (farmers), designing AgUnity’s solution together."
— Nicolas Umuhizi, New Ventures Consultant
"It can help me to communicate with other farmers, and what we need to do to cooperate together. I can use this phone to track price per kilo and save much time than walking to the market. This solution would help me a lot."
— Freda Ireng, Cacao farmer
"Impressed by the strategic vision and nimble agility of the AgUnity team, especially over the last couple of months as they make monumental decisions which we believe will lead to massive social impact & great financial returns."
— Andy Lower, Founder
"AgUnity was a good partner in this exploration. They introduced our team to Agile practices that allowed us to iterate quickly to a solution."
— Anneke Theunissen, COO - CLAC
Target Customers
Industries Served
Contact Information
Key Pages
Summary
Mobile platform that records transactions between farmers and cooperatives in a tamper-evident ledger, designed for low-connectivity contexts. Co‑op Manager digitizes member records and compliance, supporting transparency and traceability for smallholder value chains.
Key Features
- Web-based platform for member management
- Centralized digital records (transition from paper/Excel)
- Streamlined reporting and dynamic content delivery
- End-to-end supply chain traceability
- Compliance support for sustainability and deforestation laws
- Field data collection and analysis via AgUnity Field Apps
- Integration with AgUnity Data Farm (cloud and blockchain-based data security)
- Batch labeling and certification management
- Marketplace integration for input and output trading
- Real-time insights and decision support
Key Benefits
- Achieve compliance with international regulations (e.g., EUDR, US Forest Act)
- Guarantee and improve market access
- Streamline cooperative operations and administration
- Enhance data accuracy and accessibility
- Enable supply chain traceability and transparency
- Support sustainable and compliant sourcing
- Reduce cost and risk of establishing operations in emerging markets
- Provide quality data for measuring ROI and project impact
Who Is It For
- Smallholder farmer cooperatives
- Unions & cooperatives
- NGOs working in emerging markets
- Corporates sourcing from emerging markets
- Governments of emerging countries
- Philanthropists passionate about tech for good
Digital Solutions for Smallholder Agriculture Value Chains
AgUnity's award-winning technology helps smallholder cooperatives achieve compliance with international regulations and guarantees market access.
Smallholder Cooperatives Challenges
Smallholder farmer cooperatives face challenges such as market access, operational inefficiencies, limited access to finance, lack of digital information, and compliance demands.
- Market access struggles
- Operational inefficiencies
- Limited access to finance
- No digital information
- Compliance demands
The Power of Digitisation
Digitisation transforms cooperatives by unlocking new markets, streamlining operations, and meeting global sustainability requirements. AgUnity champions data sovereignty.
- Streamline operations
- Enhance transparency
- Meet global sustainability requirements
- Champion data sovereignty
Our Solutions Portfolio
AgUnity's digital transformation journey empowers smallholder farmers and cooperatives with tools for digitisation, traceability, compliance, and field data analysis.
- Digitisation of farmer records
- Supply chain traceability
- Compliance support
- Field data collection and analysis
AgUnity Co-op Manager
Web-based platform offering tools for efficient member management, reporting, and content delivery, centralizing administration in one interface.
- Efficient member management
- Streamlined reporting
- Dynamic content delivery
- Centralized administration
How It Works
Client journeys start by configuring the Co-op Manager for local needs and farmer registration, followed by digitizing data, demonstrating compliance, and continuous improvement.
- Configure value chain
- Register farmers
- Digitize farming data
- Demonstrate EUDR compliance
- Gather GPS data
- Register and validate transactions
- Track processing and label batches
- Manage certifications
- Share training and benchmarks
- Create marketplaces
- Continuous improvement
A Story of Progress for OCFCU
Case study of the Oromia Coffee Farmers Cooperative Union (OCFCU) using AgUnity's platform to digitize data for 600,000 farmers, improving efficiency, trust, and compliance.
- Streamlined operations
- Enhanced trust with buyers
- Improved compliance and sustainability
Resources
Supporting Resources
Detailed Comparison
Mobile Field Functionality
Compliance and Reporting Tools
Integration with Financial Services
Our Ranking Methodology
How we rank these offerings
We ranked these Top 5 Mobile-Enabled Cooperative Accounting Tools for Smallholder Farmers using a weighted scoring formula: Mobile Field Functionality (40%), Integration with Financial Services (35%), Compliance and Reporting Tools (25%). N/A values receive 0 points. Core Banking System (musonisystem.com) scored highest with 96 due to comprehensive offline-capable mobile tools, deep financial service integration, and robust compliance/reporting. Companies with weaker functionalities or narrower integration/reporting received lower scores.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for mobile-enabled cooperative accounting tools for smallholder farmers?
- Pricing models for these tools typically involve subscription-based models with options for scalability based on the number of users or transactions. Companies like Oradian offer a cloud-first platform with real-time processing that may charge based on usage levels, providing flexibility for smaller cooperatives. AgUnity's Co-op Manager, designed for low-connectivity contexts, could have lower upfront costs, focusing on pay-per-use models for mobile services that fit varying cooperative sizes.
- What are the key selection criteria and considerations for choosing a cooperative accounting tool?
- Important criteria include mobile-readiness, integration capabilities, and offline functionalities, crucial for rural markets. For instance, Oradian offers an offline-enabled Android app, beneficial for field officers. Compliance with local regulatory standards such as SASRA, provided by platforms like the Kwara Core Banking Platform, is vital for SACCOs to ensure legal viability.
- What are the industry standards and compliance requirements for mobile-enabled cooperative accounting tools?
- Compliance with local financial regulations like SASRA in Kenya is crucial for SACCOs, as highlighted by Kwara’s offerings. Additionally, adherence to international banking standards such as those for microfinance institutions is important, as seen in offerings by Core Banking Systems with integrated accounting and compliance tools. Ensuring data protection through tamper-evident ledgers, such as those provided by AgUnity, is another key industry standard.
- What are the common implementation challenges and solutions for these tools?
- Implementation challenges often include connectivity issues in rural areas and the need for user-friendly interfaces for low-tech literate populations. Platforms like AgUnity optimize for low-connectivity environments, while eProd’s ERP system offers a mobile app that facilitates field officer operations. Training and support services can also reduce the learning curve and support smoother transitions.
- How do these tools deliver ROI and value to smallholder farmers and cooperatives?
- These tools enhance efficiency by digitizing manual processes, as illustrated by the eProd Supply Chain Management System that streamlines procurement and payment processes. Time savings and increased transparency, provided by systems like AgUnity’s tamper-evident ledger, boost trust and collaboration in the cooperatives. Real-time data analytics, as provided by Core Banking Systems, supports better financial decision-making, leading to improved financial management and profitability.
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