How does AgriNET Work?
JMR’s AgriNET is a smart agritech platform that integrates all the factors and stakeholders of the agricultural value chain, through transformative digital technology. AgriNET ensures the seamless exchange of relevant information between all the stakeholders including government bodies, financial institutions, agriculture research organizations, meteorological departments, seed producers, agri-input companies, agro-buyers, ensuring that the farmers who are at the center of the ecosystem are benefited.
Unique Features of AgriNET
Configurable AgriNET Solution Stack
JMR AgriNET can be implemented as a 3600 solution to address the holistic information requirements of the farming community or can be implemented as a custom-built solution, with only the required components to cater to specific organizational objectives.
JMR AgriINFO is an essential information technology platform that aggregates all the relevant and useful information for the farming community in a region, and makes it available to them in a structured and organized manner.
Vital information like weather reports, changes in the climatic conditions, ideal time to sow or harvest, etc., can be made readily available to the farmer. AgriINFO also helps connect farmers to their peer group for advisory and proven solutions.
AgriFIN is an efficient Agri-Finance Platform that aims to put the much needed credit from the banks and financial institutions within the farmers’ reach by facilitating loan requests, validation, and disbursement.
AgriFIN seamlessly connects the eligible farmers in need of loans and the banks who are willing to finance them. The verified list of farmers with a valid farm credit score and offers the banks an opportunity to enhance their productive asset base.
The platform allows the banks to monitor the entire farm plan and farming activities real-time thereby movement of disbursed loan amount spends in the entire value chain. Banks will have the estimated first hand information of required working capital, Agri-Input costs, crop Insurance, and yield predictability so as to mitigate the NPA.
Farmers face the problem of low quality agricultural products at sub-optimal costs.
AgriKART is an e-Marketplace technology platform which brings farmers & agri-input sellers together, effectively connecting all the vital elements of the agriculture ecosystem. AgriKART functions like rural e-commerce portal, displaying the offerings of the verified sellers offering fair price & quality agri-inputs.
AgriKART enables multiple and flexible payment options for the famers. Farmers can make their purchase using the money from their accounts, or opt for credit from the empaneled banks or even redeem their e-Vouchers/Cash Transfers from the government.
AgriMART functions as an efficient e-marketplace for farmers to facilitate the sale of their agricultural produce at an optimum price. It effectively addresses the issue of agricultural produce being purchased by middle-men at sub-par price and ensures that farmers get the fair value of their crop.
The farmers benefit from the convenience, ease of access to verified buyers, availability of market information, and transparency in pricing. At the same time, the buyers also stand to gain from the fair price for the produce, assured quality, availability of logistics (storage and transportation), and access to credit from empaneled banks.
JMR AgriNET eVoucher is an effective tool which enables Governments, NGOs, and World organizations to efficiently distribute and track the farmer’s redemption of subsidies i.e. e-voucher. It ensures that farmers get timely access agricultural inputs, household essentials or even cash transfers etc.
The eVoucher module digitally enables farmers to make purchases for their individual, business or agricultural needs through electronic media like Smart cards and NFC, mWallet or even card less solutions. The solution can be configured to work in a closed loop across the value chain so as to restrict the farmers to make use of the subsidy to the intended purpose.
JMR AgriNET eVoucher module uses mobility devices like Mobile Phone, Tablet and Mobile POS to disburse and track the movement of the credited subsidies in the system.
Creating a Connected Ecosystem through the eVoucher
Captures demographic details of farmers to assign and activate e-Voucher along with beneficiary registration report
Enables access to quality agricultural inputs like seeds, fertilizers, farm equipment, etc. at optimum prices
Provides an online platform with ready buyers to agro-dealers and Manufacturers
Eases implementation of social schemes like subsidies and traceability across value chain
Ensures transparency & traceability of disbursed amount for the funding organizations
Presents the farmers with a cashless value system which ensures efficient and optimum use of the subsidy for the intended purposes
Registers selected retail outlets and creates POS for a seamless transaction with the beneficiaries
Allows beneficiaries to withdraw e-money from the funding organizations and pay to other beneficiaries or retailers
Serves as a medium for instant communication between the governing body, farmers, agro-dealers and agro-buyers