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Mwea Fresh Growers Group agri loan

Farm profile, Sentinel-2 NDVI history, input release controls, crop insurance, and harvest-aligned repayment.

AGRI-KE-26071

Loan exposure

Ksh 1,250,000

Long rains 2026

Farmers financed

43

group members

Input released

92%

▲Ksh 607,000 of Ksh 749,000

Latest NDVI

0.59

▲2026-05-23 vs 0.49 county

Insurance cover

100%

Ksh 1,250,000

Farm profile

NDVI green

Farmer name: Wangari Njoki
Borrower / group: Mwea Fresh Growers Group
Plot GPS coordinates: -0.6681, 37.3084
Acreage: 18.4 acres
Soil type: Vertisol clay loam
Irrigation: Mwea canal plus drip lines
County / sub-county: Kirinyaga / Mwea East

Crop detail

horticulture

Variety: French beans Amy and tomato Anna F1
Planting date: 2026-03-18
Expected harvest: 2026-08-25
Expected yield: 38.5 tonnes
Offtake agreement: Twiga Foods purchase order KES 1.9M

Input disbursement

92% released

Input	Supplier	Quantity	Cost KES	Disbursement method	Release status
seed	Simlaw Seeds Kirinyaga	82 kg	Ksh 186,000	direct-to-supplier	Released
fertilizer	Yara Kenya	6.2 tonnes	Ksh 421,000	voucher	Released
pesticide	Amiran Kenya	34 litres	Ksh 142,000	M-Pesa	Partially released

NDVI history

Sentinel-2 p10/p50/p90

Mean NDVI trend

04-05: 0.49
04-20: 0.56
05-07: 0.61
05-23: 0.59

Latest 0.59 vs benchmark 0.4973.8%

Value: 0.59
Max: 0.8
Threshold: 0.49

Date	Mean	P10	P50	P90	County benchmark	Cloud cover	Health
2026-04-05	0.49	0.31	0.51	0.68	0.43	18%	green
2026-04-20	0.56	0.38	0.57	0.72	0.46	14%	green
2026-05-07	0.61	0.43	0.62	0.75	0.48	22%	green
2026-05-23	0.59	0.40	0.60	0.74	0.49	19%	green

Insurance

parametric

Provider: APA Agriculture Index
Coverage: 100% (Ksh 1,250,000)
Trigger conditions: 3 cloud-clear Sentinel-2 samples below county baseline by 0.20 or NEMA flood bulletin for ward
Claim status: No trigger

Harvest-aligned repayment plan

split over market days

Due window: 2026-08-25 to 2026-09-21
Collection rail: Produce settlement from offtaker and M-Pesa top-up

Due date	Amount KES	Harvest / market note
2026-08-30	Ksh 420,000	First export-grade delivery
2026-09-08	Ksh 415,000	Domestic wholesale market day
2026-09-21	Ksh 415,000	Final offtaker settlement