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Information exchange system to provide microcredit to small farmers

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Lead Applicant Organization Name

Reasch Consultores y Constructores is a private company dedicated to the creation of telecommunications networks for agriculture

Lead Applicant Organization Type

  • Small company (under 50 employees)

If part of a multi-stakeholder entity (i.e. team), provide the names of other organizations and types of stakeholders collaborating with you.

Regional Government of San Martin (Government Entity): It allows us to reach through its information the direct beneficiaries of the Region. Universidad Peruana Union (Private University): It allows us to use its facilities to carry out training events for small and medium farmers with a view to exports and also to carry out the development of science and technology in its FabLab laboratory. Acerta (International Certification of Organic Crops): It will allow us to work in the process of organic certification of crops, also prepare them for insertion in the European market, and finally help us find international buyers. Chamber of Commerce of San Martin (Business Association of the San Martin Region): It allows us to reach the companies that you are associated with. Caja Piura (Microfinance): They allow us to guide the process of formalization of farmers to produce relevant information for microcredits.

Website of Legally Registered Entity

How long have you / your team been working on this Vision?

  • 1-3 years

Lead Applicant: In what city or town are you located?

Tarapoto City, San Martin, Peru

Lead Applicant: In what country are you located?

Tarapoto City, San Martin, Peru

Your Selected Place: what’s the name of the Place you’re developing a Vision for?

The San Martin Region belongs to the jungle of Peru, has indigenous territory, and in total 51,253 km2

What country is your selected Place located in?


Describe your relationship to the place you’ve selected.

This place is the border of what we know as city and nature, it has cultural references of many places, both indigenous, colonial and those that are the result of foreign tourism. It also has a high level of deforestation due to the indiscriminate felling of trees for wood and the creation of arable land. Personally I spent my childhood and part of my adolescence in San Martín near Protected Nature Reserves, and with the warmth of the rural people who appreciate plants. Many of my friends and family are dedicated to the cultivation of coffee and cocoa to receive economic income and are subject to a low level of productivity resulting from the lack of technical assistance.

Describe the People and Place: Provide information that would be helpful for an outsider who has never been there and may have no context about this Place to better understand the area.

In the Land it can be seen that the transition to globalization has not yet been completed, due to the different challenges of nature presented by the jungle region. These first approaches to globalization alter certain habitual customs of the place, starting from the socialization of people, to the way companies work. Unfortunately, this globalization did not affect agricultural productivity, since precarious methods are still used, which depend entirely on the strength of man. The food has remained in its essence, using the great variety of local fruits and agricultural resources that this presents. The flavors range from salted pork to drinks with the essence of aguaje or camu camu.

The jungle has a warm and humid climate throughout the year, with monsoons occurring in the first quarter of the calendar. The main tradition is to celebrate the founding of the cities of the region, taking place a great event where orchestras are brought and free food is distributed. Spanish is the most spoken language in the region, highlighting the expressions and words of Quechua brought by the Chancas before the arrival of Spanish. Ethnically speaking, there is a mixture between natives and Spaniards, in turn there are descendants of Asians, as well as Europeans from Central and Eastern Europe, being an ethnic minority in the city. The cultural wealth originated by the combination of Spanish Creole elements and Amazonian natives, produces the origin of myths and legends that have been transmitted mainly orally to the new generations. Although Tarapoto is a mostly urbanized and modern city, there are still important problems to face, such as the potable water system, the paving of streets and avenues, the electrical system, these being the most notable. In the surrounding areas, the environment becomes rural, with difficulties in optimizing basic services such as water and electricity. Agriculture is the main source of income in the region, with crops such as coffee, cocoa and bananas, which are exported nationally and internationally.

The role of cities in this case is to serve as a liaison for farmers to sell their products to companies and buy materials that they will use on their farms. The vast majority of people in San Martín believe that obtaining money will give them a better chance of obtaining a better quality of life for their families, as well as obtaining better housing and education. The current diet of the population consists of several fruits, banana, rice, pork, fish, mainly chicken. These foods generally do not contain chemicals, however, there is a tendency to eat foods high in fat and sodium, which has caused eating disorders in the city. It is necessary to take advantage of the immense amount of natural resources in the jungle, in an ecological way, that improves the productivity of agriculture, providing substantial gains to farmers, without causing a negative impact on the environment.

What is the approximate size of your Place, in square kilometers? (New question, not required)


What is the estimated population (current 2020) in your Place?


Challenges: Describe the current (2020) and the future (2050) challenges that your food system faces.

Challenge 1 for 2020 is the acquisition of our equipment by the farmer, to take photographs and send information on how to improve the quality of crops, this creates the need to increase the arable area by increasing the pressure on ecosystems and on biodiversity with deforestation.

Challenge 2 is the channeling of loans for farmers results of the evaluation of information obtained through our technology.

Challenge 3 is the international market that decides to pay the fair price with more information about the farmers who grow the food.

Challenge 4 is to generate the experiential tourism market that allows farmers to generate more economic resources than agriculture but depends on their crops.

By 2050, challenge 1 is the economic one, since farmers cannot increase their profits, international buyers will not know them and will not be able to offer a fair price, the culture of responsible acquisition of Amazonian products will not be generated and therefore the State policies may not be effective.

Challenge 2 for 2050 is represented by climate change and its impact on crop productivity, in the need for greater water consumption and that is no longer available enough.

Address the Challenges: Describe how your Vision will address the challenges described in the previous question.

For the challenge 1 of 2020, an agreement is being made with the San Martin regional government for the acquisition of our equipment since this institution finds a direct communication channel with the farmers and can transmit information about their activities and carry out monitoring on the diseases and actions that farmers are taking to determine the best way to support them.

For challenge 2 of 2020, two micro-loan funds are being worked on, which are looking for farmers to be formalized in order to make loans. We are negotiating and defining the characteristics of this financial and productive information. The entities are Agrobanco (Peruvian State Bank dedicated to delivering loans to small farmers) and Piura (Private Banking dedicated to delivering micro loans to high-risk profiles). Both entities seek to generate more information and advice to the farmer through information and communication technologies that allow them to reduce credit risk.

For the challenge 3 of 2020, we are working with the office in Peru of the Spanish certifying company Acerta, an agreement is being developed to support us to take the products of Amazonian farmers to international markets, especially the European market. The company Acerta will earn money through consulting in the certification of organic crops and in the opening of international markets.

For challenge 4 of 2020, the Peruvian state tourism promotion agency, PromPeru, is working to establish desirable quality standards for experiential tourism with coffee, cocoa, orange and rice crops.

For challenge 1 of 2050, it is proposed that the general service strategy for the vision is consolidated, avoiding betting on a single type of income and a single sector, that is to say, receiving income that allows to provide services to farmers from profits in services of Telecommunications, tourism, finance.

 For challenge 2 of 2050, water and nutrient management systems that are connected to the monitoring and technical assistance system will be installed in the crops, thus avoiding excessive water consumption.

High Level Vision: With these challenges addressed, now provide a high level description of how the Place and the lives of its People will be different than they are now.

  • Deforestation will be reduced so as to avoid the creation of new arable land.
  • Increase of the productivity of the plantations of small and medium farmers.
  • Higher income of farmers as a result of the sale of their products in international markets.
  • Increased access to credit as a result of more information produced in the fields.
  • Greater income diversity since the experiential tourism sector will be part of their farmers' economic income.

Full Vision: How do you describe your Vision for a regenerative and nourishing food future for your Place and People for 2050?

The vision seeks to connect the chains of value generation in the production and marketing of key crops for the Amazon Region of San Martin located in Peru, such as the cultivation of coffee, cocoa, orange and rice.

The vision is based on the use of our monitoring technology (Data2ai) that relies on Telecommunications, Machine Learning, and BlockChain to generate credit history for small and medium-sized people to receive credits.

Data2ai is a service for the creation of local networks with Internet access where there is no conventional home Internet service that allows coffee and cocoa farmers, with very low resources, to connect their crops to the Internet to send data on the status of their plantation, and receive technical support to increase your productivity. The service for farmers has NO COST since we concentrate on capturing information, treating it and preparing it to be the base that allows micro-credits to be granted, we charge a commission to the financial entity for placing loans based on our information.

In the case of not having a telephone signal, the farmer can use a low-cost telephone provided by us that allows him to collect data from the local network and when he is in a community with access to the telephone network, the telephone will send the information automatically These devices have no cost to the farmer.

We also promote fair trade through the implementation of blockchain technologies in intermediaries that allow the final consumer who drinks a cup of coffee or chocolate to know where the beans come from, who grows them, and how much they cost. This information has a cost for the company that sells products based on Coffee and Cocoa.

The vision will allow the economic development of small and medium farmers who are the economic base of the region and therefore of trade and activities of third economic order, also to ensure the prosperity of farmers ensure quality food without pesticides since In order for them to export to international destinations, production must be certified.

Our vision seeks to promote and value the culture of small and medium-sized local farmers through their inclusion in experiential tourism chains.

Likewise, government agencies will have the opportunity to display their information through the telecommunications channel that has been created.

How did you hear about the Food System Vision Prize?

  • Instagram
  • Facebook

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Join the conversation:

Photo of Lauren Ito

Hi JOSE REATEGUI great to see you joining the Prize!

We noticed your submission is currently unpublished. Was this your intention? We'd love to have your submission included in the Prize. Even if you've not started populating your Vision just yet, by publishing your submission you can make it public for other teams in your region to see, get in touch and possibly even collaborate with you.

You can publish it by hitting the "Publish" button at the top of your post. You can also update your Vision at any time before 31 January 2020 by clicking on the "Edit Contribution" on top. If you need inspiration or guidance, take a look at the Food Vision Prize Toolkit. linked here:

Look forward to seeing your Vision evolve through the coming weeks.