The in-house bank for agri companies and cooperatives in East Africa. We offer AI-powered digital loans to smallholder farmers 👩🏾‍🌾☕️🐄

Kampala, Uganda.
Joined July 2020
🇺🇬 This has been a really challenging season for coffee across East Africa. So, as a lender who gets repaid in coffee, what do we do? Together with #Sucafina (Ugacof in Uganda), we found a solution. See what it was – and see what Masaka farmers had to say about it ⬇️
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Sucafina's agents were also happy. Dry spells mean more work in the garden, not less. And that requires investment.
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Fingers crossed that we are out of the woods this time. But whether the season is good, bad or ugly, as Emata our work is to figure out a way to sustainably and commercially support farmers! Learn more: emata.io/
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There are two avenues for growth: 1) Small scale/subsistence farmers grow to commercial scale and take advantage of economies of scale. 2) Value addition We are heavily invested in making the first one a reality, giving the best Ugandan farmers the opportunity to grow big.
True on cash flow,hunger can't wait 60 days, which is why farmers sell raw cherry cheap. What @Emata_UG is doing with patient capital is vital. But credit only buys time. If that patchment just ends up as raw green exports, the farmer is still trapped on global price swings.
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You’ve done the work. Now, let’s tell the story! 🎥📸 As the year winds down, document your milestones and the people behind your impact. Need help capturing your story? Reach us at [email protected]. #SawaWorld #SolutionsFromWithin #Storytelling – at Kampala, Uganda
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#Hiring: AI Lead in Kampala 🤖 You’ll adapt our credit models to new crops and to Tanzania and Rwanda, put GenAI and agents to work across the business, and run ML in production. Need 6+ yrs in DS/ML/AI, 2+ leading teams. ➡️ emata.io/hiring/ai-lead
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#HiringNOW: Portfolio Associate - Coffee & Crops You’ll run KYC+CRB checks, loan payouts to farmers, track repayments, and manage credit limits & crop insurance. Background: 1–3 yrs in fintech, agri sourcing or sustainability. Learn more: emata.io/hiring/portfolio-as…
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#Hiring: Want to help us finance and grow the farmers behind your daily cappuccino? We’re hiring across multiple teams! Join what we think (humbly!) is the frontrunner of agri finance in East Africa, backed by award-winning tech and a mission-driven team. Learn more ⬇️
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#Hiring: AI Lead Take our credit AI to new crops and countries with our Chief AI Officer Dario. Learn more: emata.io/hiring/ai-lead
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Perks include cappuccinos from the farmers we lend to. Order here: emata.io/career
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It's been valuable working together to understand what drives the adoption of digital financial services among farmers. These experiences continue to shape how we think about making digital finance work for underserved communities. Thank you for sharing!
Great article in @DailyMonitor on digital finance, penned by Janani Luwum at @fsduganda. It summarises a lot of the learnings we've had working with FSDU over the years to increase financial inclusion in agri. Read it here: monitor.co.ug/uganda/oped/co…
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Great article in @DailyMonitor on digital finance, penned by Janani Luwum at @fsduganda. It summarises a lot of the learnings we've had working with FSDU over the years to increase financial inclusion in agri. Read it here: monitor.co.ug/uganda/oped/co…
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#DIAA2026 FinTech Startup of the Year Nominee Congratulations to @Emata_UG on being nominated for FinTech Startup of the Year at the Digital Impact Awards Africa! Thank you for turning technology and data into more accessible finance for farmers and rural businesses. #IncludeEveryone | digital-impact-awards.com/
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