Our Unique Model
KiViStars enroll farmers and FPOs on KiVi Platform creating their unique credit score which defines their eligibility for various products and services offered by KiVi.
Farmers are served with KiVi offerings at their doorstep through their crop life cycle requirements by a locally deployed and socially embedded KiViStar.
Eligible farmers are not required to knock on the doors of any other service provider or intermediary once they are on-boarded on KiVi platform. KiViStars engage with farmers right at the crop planning stage, supply them agri input and credit, enable digital agro-advisory and finally help them sell their output through KiVi platform. KiVi also provides FPO management services to on-boarded FPOs to enable them to engage with their farmer base in the most effective manner.
KiVi employs a micro-entrepreneur-led (KiViStar) model that combines the strength of the technology platform with the franchisee’s local expertise, social capital and last mile transaction capability.
KiVi also enables FPOs to achieve their true potential by providing technology, governance and management services.
By digitizing farmer transactions and employing proprietary underwriting models, KiVi generates insights into a farmer’s credit worthiness and enables partner-lenders to deploy their capital more effectively and the farmer to access lower priced and conveniently structured loans. The lending products will include embedded finance products and insurance products.
