{"id":"9ed7a759-9004-45b0-9d55-1d6d6e765a93","short_name":"emata","human_readable_name":"Emata","dataset_count":1,"created_date":"2025-12-01T11:45:00+00:00","data_portal_url":"","default_licence_id":"cc-by","description":"Emata is a fintech company that provides digital financial services to smallholder farmers in East Africa. Operating as an in-house digital bank for agricultural companies, Emata partners with processors, exporters, and cooperatives to embed loans, insurance, and payment services into the agricultural value chain.\n\nThe company was established to address a financing gap in African agriculture: smallholder farmers account for roughly 70% of employment on the continent, yet only 3% of the estimated $240 billion in agricultural financing demand is met by traditional banks. Emata uses data and AI to assess creditworthiness and disburse loans, which are repaid through farmers' produce sales.\n\nEmata's services include a management information system (MIS) for partner companies, short-term input and cash loans for farmers, crop insurance, and digital payment processing. The company also offers an enterprise product that allows partner organizations to provide lending services under their own operations.","exclusions_policy_url":"","first_publication_date":"2026-09-09T08:15:00+00:00","hq_country":"UG","organisation_identifier":"UG-RSB-80020002460437","organisation_type":"70","region":"1027","reporting_source_type":"primary_source","website":"https://www.emata.io"}