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Muranga Coffee Society agri loan

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

AGRI-KE-26073

Loan exposure

Ksh 4,200,000

Main crop 2026

Farmers financed

211

group members

Input released

76%

—Ksh 434,000 of Ksh 2,590,000

Latest NDVI

0.42

▼2026-05-27 vs 0.56 county

Insurance cover

90%

Ksh 3,780,000

Farm profile

NDVI amber

Farmer name: Grace Wambui
Borrower / group: Muranga Coffee Society
Plot GPS coordinates: -0.7223, 37.1638
Acreage: 72.1 acres
Soil type: Deep volcanic loam
Irrigation: Rain-fed with mulch retention
County / sub-county: Muranga / Kangema

Crop detail

coffee

Variety: Ruiru 11 and Batian
Planting date: 2026-03-04
Expected harvest: 2026-10-18
Expected yield: 118.7 tonnes
Offtake agreement: Dormans parchment forward contract

Input disbursement

76% released

Input	Supplier	Quantity	Cost KES	Disbursement method	Release status
seed	Coffee Research Institute	12,400 seedlings	Ksh 434,000	direct-to-supplier	Released
fertilizer	MEA Fertilizer	22 tonnes	Ksh 1,846,000	voucher	Partially released
pesticide	Elgon Kenya	76 kg copper mix	Ksh 310,000	M-Pesa	Pending

NDVI history

Sentinel-2 p10/p50/p90

Mean NDVI trend

04-08: 0.52
04-24: 0.48
05-10: 0.44
05-27: 0.42

Latest 0.42 vs benchmark 0.5652.5%

Value: 0.42
Max: 0.8
Threshold: 0.56

Date	Mean	P10	P50	P90	County benchmark	Cloud cover	Health
2026-04-08	0.52	0.33	0.53	0.69	0.55	34%	amber
2026-04-24	0.48	0.29	0.49	0.63	0.56	17%	amber
2026-05-10	0.44	0.25	0.45	0.60	0.57	21%	amber
2026-05-27	0.42	0.23	0.43	0.58	0.56	26%	amber

Insurance

parametric

Provider: Pula Coffee Cover
Coverage: 90% (Ksh 3,780,000)
Trigger conditions: NDVI three-sample deterioration below county benchmark plus county agricultural office pest bulletin
Claim status: Pest watch evidence open

Harvest-aligned repayment plan

lump sum at harvest

Due window: 2026-10-18 to 2026-11-15
Collection rail: Society parchment auction proceeds

Due date	Amount KES	Harvest / market note
2026-11-15	Ksh 4,200,000	Auction settlement after milling