Crop insurance that derisks agricultural financing
Reduce default rate, late payments and de-risk farmers to serve a larger population.
HOW IT WORKS
Farmers automatically receive a payment as soon as an adverse event is observed
01
Remote Weather Monitoring
02
Adverse Weather Conditions
03
Automated Claim Validation
04
Automated Claim Payment
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Secure Your Portfolio, Reduce Risk
Secure your existing portfolio or replace cumbersome guarantees with OKO's proven insurance, directly facilitating farmer repayment and loan accessibility while demonstrating impact: 75% of our clients report needing less collateral to obtain financing
Strengthen Your Supply Chain, Build Farmer Loyalty
Ensure a consistent supply of high-quality produce by empowering your farmers with a financial safety net. A survey showed that OKO is the second-most requested service by farmers after "technical assistance"
Drive Financial Inclusion, Deliver Real Impact
Partner with an awarded product to bring a new safety net to vulnerable communities. OKO has an inclusivity ratio of 1.13, "over-serving" low-income populations. 96% of customers are accessing insurance for the very first time , and 86% of compensated farmers report a positive impact on their living standards
case study
OKO, Touton & Cargill: Securing the Cocoa Value Chain and Achieving Sustainability Goals
Cargill and Touton found the perfect partner in OKO, to deliver a double impact for their bottom line.
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as a result
Confirmed Farmer Loyalty & Demand
80% of cocoa farmers list insurance as one of the most valuable services, confirming its immense utility as a powerful tool for customer retention and value chain resilience.
Verified Financial Precision
In a year marked by bad weather like 2024, 57.2% of insured farmers were eligible for compensation, delivering claims of up to 58% of expected income demonstrating a strong correlation
Partner Sustainability Achieved
Through successful partnerships, OKO directly advanced the sustainability objectives of Cargill, Touton, and Fairtrade, securing the long-term viability of their cocoa supply chains.
OKO's assurance is fully in line with Touton's vision of ensuring sustainable cocoa supply and also contributing to the well-being of different producers.
In 2023, RMCR (part of the VisionFund network) partnered with OKO to offer crop insurance to their customers.
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as a result
Agricultural loans became more accessible
No more guarantees were required from farmers applying for an agricultural loan.
Farmers became more resilient
31% of customers were indemnified after suffering from adverse weather conditions.
Loans were automatically repaid
Indemnities of up to 58% of the loan value were paid directly to the financial institution.
case study
With OKO, Orange Mali enriched their services
Orange Money saw OKO as a great opportunity to enrich their portfolio of financial services and offer a service that is aligned with the needs of their users.
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as a result
User base expanded
OKO had a direct impact on the adoption and usage of the Orange Money wallet. Many farmers decided to create an Orange Money account in order to access OKO’s insurance.
Synergies were created within the system
OKO had a direct impact on the adoption and usage of the Orange Money wallet. Many farmers decided to create an Orange Money account in order to access OKO’s insurance.
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