Furtuu is a Digital Agricultural Product and Platform of Cooperative Bank of Oromia, with an aim to in-power
farmers by solving main issues our farmers face. which are
1. Finance for Agricultural Inputs such as seeds, Fertilizers, chemicals and Fuel
2. Finance for Mechanization services
3. Digitized and Advanced Farm Extension Services
 Market visibility
 Crop related infn.
 Farmer location
 Personal details
 Government organizations
 Center and transport accessible for the country’s societies
 Features
 Registration made by p. cooperatives
 Free farm inspection
 Advisory services by skilled Agronomists
 Digital traceability
 Local market visibility for the produced crop
 Full access to finance (in kind)

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b
b
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Farm extension service
Farmer and Other Registration
b b Market Visibility
Mechanization services
Input Providers
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 Tractors
 Water Pumps
 Irrigation Solutions
 Cooperative union
 Primary Cooperatives
 Private Agro dealers
 Union Agronomists routinely visit Farms
in collaboration with Furtuu Team
 Onsite System training
 Incentive per every registration made
 Provide visibility the product to buyers

Farmer and Other Registration
 Provide Tablets Devices
 Onsite System training for Primary cooperatives by Bank Staff
 Incentive per every registration made
Name of Registration
Amount of
Incentive
Description
Farmer registration 100 Birr Farmer registered on the platform that fully fulfills our
loan criteria.
Farm and other registrations 400 Birr Farm registration, sowing registration, input
requirement and other registrations.
Business Model

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Coop Bank
Finance disbursement
Primary Coop.
Registering and
Fertilizer Sup
Farmer.A
Farmer.B
Farmer . c.
Primary Coop.
Registering and
Fertilizer Sup.
Farmer A
Farmer B
Farmer C
Primary Coop
Registering and
Fertilizer Sup
Farmer A
Farmer B
Farmer C
Primary Coop
Registering and
Fertilizer Sup
Farmer A
Farmer B
Farmer C
(Union)Dealers
Input sup.
Private Agro
Dealers
Input sup.

Challenges and Advantages
Advantages
 Managing farmers using unions
 Farmers location is one area
 Farms are around Lake area
 Supported by Government policies
 Well System’s packages
Challenges
 Low financial literacy
 Low speed of product expansion(bank
side)
 High price of Inputs
 Competitors penetration
 Lack of hard currency (for fertilizer)
 Lack of awareness

Highly develop financial literacy Hub
Increase speed of Furtuu services expansion through the territory
Focusing on domestic Agro product’s input suppliers
Analyzing competitors weakness and taking measurement action
Searching and communicating Agronomists to substitute the fertilizers by producing domestically
Using public media specially OBN and others regional based media to create awareness
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