Our Approach
Integrated
network

Angala Fintech is a core part of a network of nine standalone solutions providers, each with the common purpose of supporting communities and enabling farmers, food producers and SMEs to increase output.

The sister businesses interconnect and synergise to enable Angala Fintech to optimise its services.

integrated-network

Our network of solutions providers operates across agriculture, crop services, food and retail, energy, logistics, asset finance, and insurance. Angala Fintech, for example, provides financial services to smallholder farmers, with agents concentrated in agricultural regions. These agents interconnect with the other companies to provide any financial transactions the farmers require. An agent might work with Japtini Energy, for example, to provide loans for a solar irrigation pump.

The Payrail offering starts with farming businesses and runs through the processed food distribution and retail networks. We take advantage of this natural ecosystem to keep abreast of demand for various financial services and respond with agents and training as needed.

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recycle-icon Together, we build dynamic partnerships for mutual problem solving.
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Arila
Arila connects, collaborates and coordinates between all of the operating companies’ services, providing planning and support. Additionally, Arila provides expertise in finance, technology, regulations, human resources and marketing.
alluvial
Farming services
Alluvial Agriculture provides training, technology, land preparation, irrigation, input supplies and market access within contiguous farmlands in community blocks
fadhila
Crop protection & nutrients
Fadhila designs crop protection and assesses crop nutrient requirements, and then commissions producers to provide quality inputs to the specifications of the farmers
japtini-food
Japtini Food & Retail
Japtini Food & Retail aggregates the primary produce and takes it to the marketplace
japtini-energy
Japtini Energy
Japtini Energy provides solar panels and batteries for affordable and reliable power
Arila
Arila connects, collaborates and coordinates between all of the operating companies’ services, providing planning and support. Additionally, Arila provides expertise in finance, technology, regulations, human resources and marketing.
japtini-logistics
Cargo & Transport
Japtini Logistics uses advanced technology to open access to third party logistics service providers
alluvial
Insurance
Japtini Insurtech uses technology to source and retain the best insurance policies
japtini-finance
Asset Finance
Japtini Asset Finance helps companies purchase equipment such as trucks or combine harvesters by working with financial institutions and service providers
angala-insuretech
Angala Insurtech
Angala Insurtech uses technology to source and retain the best insurance policies