Acre / Kilimo Salama

Kilimo Salama is a service from the start-up “ACRE”, one which helps to insure Kenyan smallholders against extreme weather conditions such as drought or flooding. The special feature of this insurance scheme is that the insurance can be purchased together with the seeds for five percent of the purchase price. For payment and compensations, Kilima Salama uses M-Pesa, so that all transactions can be conveniently made by mobile phone. Once the insurance is in effect, solar-powered weather stations observe the climate conditions in the area. If there is too little or too much rain, the smallholder will automatically receive a payment via M-Pesa, which compensates him for the costs of the seed.  Since 2015, the programme has been active in Kenya, Rwanda, Tanzania, Zimbabwe, Nigeria and Ethiopia.