Our farm input savings approach is a layaway system that leverages on mobile short code to allow farmers to save gradually towards their future farm inputs needs using our prepaid farm inputs saving card that comes in two different amounts of $1 and $2 cards. Smallholder farmers can buy these cards from our rural agents which comes in two different amounts (500 naira or $1 dollars, 1000 naira or $2), scratch it off, text the pin to our short code number and the face value is deposited in their account as saving towards their farm inputs needs. They can simply repeat this process to gradually save for their farm inputs needs without pressure especially during the period that precedes the commencement of the farming season, for example they can gradually save during the dry season and use the amount saved to buy inputs when the raining/farming season commences. The total amount the farmer has saved with us will be used by the farmer to purchase fertilizer and quality seeds, and the input will be delivered to their location at the exact time they need it.