Enimiro Online aiding financial inclusion through farmer-consumer model

People bored of buying foodstuffs, fruits, and meat that have stayed long on market stalls may have a reason to smile now that they can enjoy fresh products directly from the garden to their kitchen, thanks to Enimiro Online.

Enimiro Online was established to aid last-mile financial inclusion by connecting farmers directly to consumers.

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How Enimiro Online works

The firm’s General Manager Sarah Gimogoi says they target customers that are interested in purchasing and consuming foods freshly got from the garden, such as fresh foods, vegetables, fruits, poultry, livestock, fish, and honey, among others.

“We are the one-stop centre for buying a whole goat, poultry, fish and organic honey among others and we plan to add coffee and herbal products,” Gimogoi explains.

She adds: “We have been working on this Enimiro product for the last one year and we now believe that we have got enough market information, contacts, and goodwill to deliver 100 per cent organic foods to our customers.”

According to Gimogoi, they joined the e-commerce space to offer a unique product that leverages technology to improve the livelihood of consumers and farmers.

“Uganda is an agro-based country; unfortunately, most farmers are struggling to get a ready market for their products yet they also struggle to grow these products.

“But it is more annoying that after them going through a hard season, they harvest and fail to get a market! We want to change this,” she says.

Previously, the firm has been running a garden-market and final consumer model. The Enimiro platform uses Level One Best Practices such as Real-Time Payment and Same Day Settlement.

“We have signed strict contracts with suppliers. The same way, we want customers to pay us immediately, in the same way, we must pay farmers promptly,” Gimogoi notes.

Its order payments are managed by Flutterwave; another FinTech with operations across Africa.

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40 days 40 Fintechs

Enimiro Online is among the firms participating in the ongoing second edition of the 40 Days 40 FinTechs program, organized by HiPipo in partnership with Crosslake Technologies, ModusBox, and Mojaloop Foundation, and sponsored by the Gates Foundation.

The initiative seeks to enable FinTechs to innovate solutions that facilitate cross-network financial transactions at minimal risks to enhance access to financial services.

Gimogoi applauded HiPipo for the program, saying it has provided them a platform to learn more about how this industry works.

“Enimiro as a brand is new but its founding partners are not novices. We have been in the industry for some time and are ready to use technology to contribute to last-mile financial inclusion,” she notes.

The HiPipo Chief Executive Officer Innocent Kawooya alludes that there is a need for FinTechs to be prepared with appropriate products and have appropriate real-time payment systems in place to support an inclusive, interoperable digital marketplace that is both thriving and safe.

He adds that he believes that, just like last year, FinTechs will take up the challenge and use the current opportunity to ride the wave of appreciation for cashless payments brought by the COVID-19 pandemic.

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