We trade with farmers.
We own the data.
We build the future.
DNC gives smallholder farmers across Zambia fair prices and immediate cash for their maize. Every purchase builds a financial identity. Over time, that data becomes a payments platform, credit system, and digital bank serving the 4M+ Zambian farmers formal finance has never reached.
Supply first. Data second.
Finance third.
Whoever controls supply at source controls the financial layer. We start at the maize. Everything else follows.
Buy maize directly from farmers
Our agents operate at collection depots across Eastern Province. We cut out middlemen entirely, paying competitive market prices on the spot. Farmers receive cash immediately at point of sale.
Every transaction becomes proprietary data
Volume, yield, timing, location, repayment history. Each purchase builds a unique farmer profile inside Panjiia. This data compounds every season and becomes impossible to replicate.
Data makes this market financeable
We loan farmers inputs. They repay with harvest. We store it and sell to offtakers. The credit cycle closes. No bank has this data. No bank can serve this market without it.
Financial services emerge from the system
Insurance, input financing, savings, and a marketplace for farmers to buy and sell. Built on Panjiia data from day one, not bolted on as an afterthought.
Two pilot cycles. Zero defaults. 38% ROI.
Two completed pilot cycles with a 38% return and zero defaults. Year 1 targets 44% gross margin. By Year 3, we project K4M in revenue across 5,250 bags. The unit economics hold and scale with volume.
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"The maize is the entry point. The infrastructure is the moat. The data is the business."Mweemba Ntembe, Founder, Daka Ntembe Corporation
The financial identity
Zambia's farmers
never had.
Panjiia is DNC's proprietary data platform. It turns agricultural behaviour into a bankable financial profile — and over time into a full-stack financial services ecosystem for rural Zambia. Banks cannot serve this market without this data.
Data compounds every season. The longer we operate, the harder this is to replicate.
Data Capture
Agents record every maize purchase, farmer profile, and transaction using the Panjiia app. Offline-capable for zero-connectivity rural areas. Every season builds a richer financial picture.
Credit and Payments
Farmers send and receive payments through Panjiia. DNC loans inputs and cash, repaid with harvest. Loan tracking, agent dashboards, and the first agricultural credit profiles in Zambia.
Full Fintech Platform
Panjiia becomes a rural bank: savings, insurance, mobile money, and a community marketplace for farmers to buy inputs and sell crops. Farmer e-learning and a credit history that follows them for life.
Impact is not a side effect.
It is the growth engine.
62.5% of our farmers are women. 40-70% income uplift per household. 4M+ farmers in Zambia with zero formal credit access. This is the market we are formalising.
SDG Alignment
Theory of Change
Farmer onboarding
Agents register smallholders, collect farm data, and assign a unique Panjiia profile. Invisible farmers become visible.
Guaranteed market
DNC buys their maize and connects supply to FRA and private offtakers. No more middlemen taking 60% of the value.
Data accumulation
Each season builds a richer financial profile. Transaction records, yield data, repayment history. A growing asset.
Credit unlocked
Farmers borrow inputs from DNC, repay with harvest. That cycle creates the credit history no bank in Zambia has for this market.
Income and scale
40-70% income uplift per household. Data strengthens. More farmers join. The flywheel turns.
Built by Zambians,
for Zambia.
Lean, mission-driven, and deeply embedded in the communities we serve. Every role has context that no outside hire can replicate.
Mweemba Ntembe
Zambian entrepreneur bridging Lusaka and London. Leads strategy, investor relations, and the Panjiia platform vision.
Regina Daka
Operations lead managing farmer relations, FRA logistics, and field agent networks across all active provinces.
Barbara Kalungwana
30+ years farming in Mwanjabanthu Chiefdom, Petauke District, Eastern Province. Her community leadership secured DNC's land and development agreement with HRH Chief Elivas Phiri.
Lumano Lukonga Kalunga
Zambian finance professional with economics and procurement expertise. Manages DNC's financial controls, audit readiness, and compliance across PACRA, ZRA, NAPSA, and ZPPA.
Luckson Daka
On-the-ground farmer liaison. Handles farmer onboarding, data capture, and trust-building in Eastern Province communities.
Joseph Daka
Supports supply chain coordination, farmer logistics, and maize aggregation operations through buying season.
Registered, Licensed & Compliant
Partner with DNC
We are actively seeking grant partners, strategic partners, and impact investors to scale Panjiia and expand our farmer network across Zambia and beyond.
Grant Partners
Support the build-out of Panjiia's data infrastructure and expand farmer onboarding to 1,000+ households by 2027.
- SDG-aligned impact reporting with gender disaggregation
- Transparent theory of change documentation
- Co-design and research partnership opportunities
Strategic Partners
Join the DNC ecosystem as an input supplier, offtaker, NGO, or financial institution. We bring data, compliance, and farmer reach.
- Verified supply pipeline across Eastern Province
- Panjiia farmer data and credit history access
- Agent network and last-mile distribution
Finance & Investment
DNC is building toward Series A readiness. We welcome DFIs, impact investors, and agricultural finance institutions.
- ZMW K4M revenue target by Year 3
- 38% ROI proven on pilot cycles
- Physical infrastructure with asset value
Get in touch
Whether you are a farmer, funder, offtaker, or journalist, DNC operates between Lusaka and London and would love to hear from you.