---
title: "OKO Finance: Crop Insurance in Africa"
description: "Crop-specific parametric insurance for drought and flood, with automated payouts via mobile money and USSD. Active in Mali, Uganda & Côte d’Ivoire."
canonical_url: "https://liners.com/oko-finance"
markdown_url: "https://liners.com/oko-finance.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/oko/screenshot.webp?v=1781031366565"
published_at: "2026-06-16T02:16:07.647Z"
updated_at: "2026-09-21T05:12:23.190Z"
---

# OKO Finance: Crop Insurance in Africa

Crop-specific parametric insurance for drought and flood, with automated payouts via mobile money and USSD. Active in Mali, Uganda & Côte d’Ivoire.

## Breadcrumbs

- [Insurtech](/categories/insurtech)
- [OKO Finance](/oko-finance)

## Summary

Parametric crop cover that pays out when weather fails

Parametric climate insurance that helps smallholder farmers in Sub-Saharan Africa get crop cover and automated payouts for drought and flood risk via mobile access.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.oko.finance/ |
| Tagline | Parametric crop cover that pays out when weather fails |
| Primary country | Mali |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

OKO Finance is a **parametric climate insurance** platform that provides crop-specific cover for **smallholder farmers in Sub-Saharan Africa**, and gives partners tools to distribute and manage agricultural insurance at scale.

Key capabilities include:

- **Crop-specific parametric policies** designed with weather and satellite indicators (for example rainfall and index-based drought or flood cover), tailored to crops and geographic regions.
- **Digital distribution for frontier markets**, including partner tools such as **mobile apps, web apps, APIs**, and **mobile payment integrations** to reach farmers and collect premiums.
- **Policy and claims management** that keeps insured farmers updated and supports **automated claim validation and payment**.

Available via **Web**, plus partner distribution tools that include **mobile apps (OKO Agent on Android)**, **APIs**, and farmer access from **any mobile device** (including feature phones via **short codes** and **mobile money**, where supported).

Target users include smallholder farmers as end beneficiaries, with primary partner customers such as **financial institutions, NGOs, agro-industries, insurers, and reinsurers**.

Notable in the African context, it is active in markets including **Mali, Uganda, and Côte d’Ivoire**, and publishes impact metrics on its website (for example farmers insured and claims paid). It also highlights collaboration work such as a **UN Women** partnership in Mali focused on improving insurance access for women farmers.

## Features

- [Insurtech](/categories/insurtech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Insurance](/tags/insurance): Product feature or technology
- [Angola](/countries/angola): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Mali](/countries/mali): Market
- [Mozambique](/countries/mozambique): Market
- [Senegal](/countries/senegal): Market
- [Togo](/countries/togo): Market
- [Uganda](/countries/uganda): Market

## Related pages

- [Alternatives](/oko-finance/alternatives)
- [Reviews](/oko-finance/reviews)
- [Transparency](/oko-finance/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/oko-finance)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)