Digital Traceability Unlocks First Livestock Collateral Loans for Pastoralists
Working with a regional microfinance institution and the Afar Regional Veterinary Services, Mobile Vet created digital livestock passports for 2,800 animals across 180 households. These verified records enabled the first-ever livestock-collateralised credit products in the region.
180
Households with verified digital records
2,800
Animals registered as loan collateral
1.2M ETB
Total credit disbursed
98%
Loan repayment rate (vs. 72% regional average)
The pilot paired RFID-GPS tag data with veterinary verification and consent-based sharing to a regional microfinance partner. Loan officers could verify ownership, valuation and vaccination status directly from the platform without leaving the office.
I have owned cattle for 20 years but never could get a loan because banks said I had no proof of ownership. Now my phone shows every animal I own, its vaccinations, and its value. I got a 15,000 ETB loan to buy feed during the dry season.
Want to replicate these outcomes?
We are actively seeking partners for our 2026 pilot expansion. Government agencies, NGOs, insurers, and veterinary organisations are all welcome.