We envision a world where

Every farmer can earn and save wealth.

How are we getting there?

Crop Insurance that really works

By delivering effective, affordable insurance to farmers in emerging markets with instant claim settlement. We leverage the growing influence of mobile technology, aiming to address income distribution insufficiencies for those who feed the world.
With the support from
our impact pillars

Job Creation

OKO creates hundreds of job opportunities for the rural youth to receive trainings and tools to become a representative and earn an additional income.
learn more

impact pillar

Job Creation

It is the provision of new opportunities for paid employment, especially for those who are unemployed in rural areas of emerging countries where youth represent 37% of the labor force but account for 60% of total unemployment.

How it is achieved

New technologies break traditional employment barriers, enabling rural connectivity, digital training, and payment via digital channels. OKO capitalizes on this trend, empowering rural youth to become representatives, providing tools, training, and direct mobile wallet remuneration, offering additional or primary income sources for those distant from employment centers.
OKO received the Job Creation Prize at the 2019 Seedstars summit.
see award

Financial Inclusion

Insured farmers have a reduced risk of defaulting. OKO partners with micro-finance institutions to offer customers an easier access to loans.
learn more

impact pillar

Financial Inclusion

Defined as the availability and equality of opportunities to access financial services. For smallholder farmers, this entails access to affordable products like crop insurance, savings tools, and loans tailored to their needs, delivered responsibly and sustainably.

How it is achieved

Focusing on pricing, distribution, and education. We tailor prices to match affordability, ensuring coverage of essential risks at lower rates. Our accessible distribution reaches all genders and locations, with support available in local languages. Through awareness and education campaigns, we simplify product understanding, making insurance accessible to all.
OKO won the 2019 FinTech Showcase award of the Alliance for Financial Inclusion (AFI)
see award

Climate Resilience

Up to now, smallholder farmers had very limited options to mitigate climate risks. OKO actively acts to make farming a more secure source of income.
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impact pillar

Climate Resilience

Defined as the ability to maintain function in the face of external stresses imposed by climate change. For a farmer, it means being able to recover after suffering an adverse season, and avoiding being immediately in a case of financial distress.

How it is achieved

Climate resilience can be achieved through various means like crop diversification or irrigation. However, these solutions often involve significant investments and changes. OKO’s insurance offers immediate financial support to farmers facing adverse weather, helping them repay loans, sustain their livelihoods, and prepare for the next season.
OKO was selected to be part of the USAID Climate Finance for Development Accelerator
see award
oko for my community
our partners
The insurance products we create are approved and re-insured by Allianz Reinsurance
Our insurance products are underwritten by Sanlam-Allianz through a multi-year partnership.
We sell products designed by eLeaf in Uganda, and collaborate on product designs in Mali.
OKO is part of the Orange Money menu in Mali, we also received the Orange Social Venture Prize 2018

Meet The Team

Simon Schwall
CEO
Shehzad Lokhandwalla
CTO
Raphael Haziza
CPO & Lead Actuary
Ferdinand Amenyah
COO
Augustin Dago
Country Manager, Ivory Coast
Harry Bitboul
Data Engineer
Jorge Gonçalves
Software Engineer
Ruth Nsubuga
Country Manager, Uganda
Cheick Oumar Tangara
Country Manager, Mali

Recognitions

Our efforts have earned acclaim on a global scale. OKO offers a comprehensive solution spanning from product inception to final distribution, safeguarding agricultural loans with accessible crop insurance.
Press & media
Our valued investors

Automated, fast & secure: we’re securing the future of farming.

our products
Mali | Uganda | Côte d’Ivoire
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