Jiva Ag




Farmer Advisory
Finance and Payments




Jiva is a technology-enabled platform and mobile app that improves the livelihoods of smallholder farmers and transforms agricultural supply chains in a shared value model. Jiva is a holistic platform that offers free personalized agronomic advice, extends loans for farm inputs, sells and delivers inputs and purchases crops at harvest. Jiva is backed by Olam International, a global food and agri-business company.

Capability and features

Farmers are offered free advisory services as well as access to ‘micro-collectors’ (micro-aggregators who are often farmers themselves). Many former third-party buyers become micro-collectors on behalf of Jiva, collecting crops from farmers in exchange for a regular income. Jiva has a standalone application designed for micro-collectors Through an assigned micro-collector, farmers access low-cost loans to buy inputs through Jiva’s inputs store and delivery service.

Jiva operates a buy-now-pay-at-harvest credit model, creating a “closed loop” in which farmers buy inputs on credit, pay back with their harvest and guarantee Jiva the sale.

Jiva uses a dual physical and digital model, which allows their technology and product teams to rapidly optimize and update the advisory, pricing, routing and other services to meet live conditions on the ground.

Jiva uses data generated by the product to assess the credit model, tweak and evolve the farmer advisory service and provide a wider range of products on their e-commerce store. Jiva is a profit-for-purpose venture, so the more data they collect, the more value they can share with farmers and micro-collectors.

Jiva uses a deep upstream procurement model, powered by an expanding network of local entrepreneurs, creating relationships with farmers at the source.

Progress to date

As of March 2022, Jiva has about 70,000 users. It has procured more than 100,000 tons of corn from smallholder farmers and provided inputs to about 4,000 farmers

Jiva Ag is currently operating all business units in Indonesia and a separate advisory service, AgriCentral, in India. After initial success with corn in Indonesia, Jiva Ag intends to improve the advisory service and build robust data capturing mechanisms, as well as launch the finance, inputs and offtakes businesses in India leveraging AgriCentral’s relationship with over 5 million farmers.

back to directory

Sign up for our half yearly newsletter

Every half year, we send out an eNewsletter with the most current news on digital solution for the agriculture industry. To join, enter your email address below and hit the subscribe button!