Chithumba Limited can be seen as a bundle of services from pre-harvest to commodity trade:

  1.  Input loans
  2.  Chithumba Market Maker
  3.  Commercial contract farming for medium farms
  4.  Chithumba farm
  5.  Secure transport

Chithumba initially ran as a project under the Agricultural Commodity Exchange for Africa (ACE) Trust between 2015 and 2023, transitioned to a limited company in 2021, and started commercial activities in 2023. It was launched as an alternative finance mechanism implemented by ACE, designed to mitigate the challenges faced by smallholder farmers, particularly with regards to low productivity, lack of access to credit, and limited participation in the formal market. The model proposes a services bundle including pre-harvest finance for farm inputs (soya, groundnuts, and inoculant), agricultural extension services, and market assistance.

Over time, Chithumba has expanded to different activities to better link smallholder farmers to markets, while continuously supporting them with improved agricultural techniques for higher yields.

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