The typical Kenyan household spends more than half its disposable income on groceries, largely because inefficient supply chains lead to high prices. Kenyan e-commerce outlet Twiga Foods has a solution: it lets retailers place orders via mobile device and grants them 48 hours of interest-free credit, giving them time to sell what they order to customers before the bill comes due. “This means our clients can buy what their customers want, not just the goods they can afford,” says CEO and co-founder Peter Njonjo. To further cut costs, Twiga is now growing some of its fastest-selling products—including onions, tomatoes, and watermelons—itself.
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