Mr.Secgenafraca,Mr.Michael Riggs,Ms.Julie,Acampion

I am sorry i had not introduced.I am a charted engineer and a charted Valuer for properties[Tangible and intangible,including agriculture properties.]

I am a fellow of Institution of Engineers[India]another Fellow of Valuers,Fellow of Bridge engineers.

I passed my engineering graduation in 1976,prior to that i had a Engineering Diplamo.

I had over 40 years of experience in design of water retaing,agriculture systems,along with all other civil,structural and mechanical works.

I worked in Ethiopia in teaching construction management at Jijiga,Deddar in 2001-03,Kuwait-in 2005,Saudi Arabia-in 1998.

I had submitted more than a dozen papers in national and USA seminars,including a paper on strategies we need to adopt for Business in Africa[in 2005 in India,and in 2011 at USA].I wrote books on construction management.

I am also member of Forum for Heritage and Culture of The UNESCO,Forum-HIFA-2015,Etc

Not exactly but now in india the ownership of lands is on line in many states.Secure agencies can acess the data on line.

Last month i saw in,Phoneix, Arizona,USA that the ownership of property can be seen on the on line sites established for the same purpose.

The financer can view the same and can get what ever documentary evidence he needs on line to support the agriculturist.

But some countries in Eastren Africa are yet to finalise their land holding rights,verses property rights to the agriculture community.

Well no doubt that advanced technologies have to be adopted for gathering and dissimation of information.The proximity to maximum users and land owners and the extent of land and or other property held by them has to be brought to the digital format.This can be done by upgrading the services available at the Registar offices locally.
Thanks to all of you,for hearing my questions if not my suggestions.

Agriculturist needs to meet unforeseen and unkown expences till such time the crop is cut and it is sold in the market.
[1]These expenses include unknown mid term pest[2] Unexpected water shortage for water in the middle of crop[3]Unexpected malaria ,typhoid extra which may make him not able to attend to crop cultivation in any phase[4]Unexpected family expenses for children education,marriage etc.All this excludes disasters and natural calamities.

If suppose an employee is in the situation and wants money he turns to the bank or his office,with gurentee of his job for re-payment.

Unless the crop is insured and the documents of crop insurence,crop sales are atleast  pleadged he cannot get a personal loan any where.

The least and last he can do is pledge his land,if he has not already done so for the capital for the crop sowing and other activities.

In essence it is imperative that assured financial institutions assess the money one can lend based on his assets and net worth and keep the record of his payments so that further money he can acess as and when needed.
This is where the ICT is a definite tool.

Similarly banks give overdraft payment to merchants,and Bank gurentees to the contractors.We all are aware how the banking and property[tangible and intangible assets] are valued.So why not the former world over get this benifit.

This is a case even in India also,where the business community,traders and contractors find favor while the farmer is at his mercy.

The last thing the governments ,even in developed countries does is announce a subsidy ,or a support price for the main produce of the agriculturist.

  This field in Africa cannot be filled by the local corporations alone.There has to be a policy as to how foreign investors from same business or  from a different type of business can enter and participate in this sector.
There needs to be a regulation authority for both the finance-Banking and insurance companies.
2]Unless there is
[a] Enhanced productivity the farmer cannot pay for the insurance,hence initially the state has to cover some extent of insurance,and enter in to the banking operations in remote areas ,with guidelines for agriculture finance.Developed countries and lending agencies have to lend for this venture to the state corporations.
[b]The farmer crops have to be bought by the marketing group at proper prices ,so that the farmer is taught about saving and use of his surplus money for better farming insurance,and better living standards.
[c] International groups,developing countries needs to lend to the nations,agriculture farming business services people from their pool of government servents free of cost.
[d]These developing countries have to encourage their talent to go and take up farming in these African countries,like in Ethiopia,Kenya etc,where now you will find the indian community taking up horticulture work. In essence ICT is the source for all these ,with good governence practices.
Checks and balance are vital to the civil society,and e-commerce,e-governance are the modern tools which need to be used in these communities.  

While advances in technology,or using sms,for produce and farming are welcome. We know that in China number of lives are saved using sms,while there were floods,and earthquake.The one item is use of pestcides,apart from the day the canal waters reach the area of the farmer.The weather conditions,the requirement and availablity of water and other information helps a lot to the farming sector. We from the irrigation sector as engineers understand the requirements during crop season,and the length of the season. Thanks s.suryanarayana Hyderabad

sharing knowledge with voice,or in FM,radio[attached to mobile] is also good

Well said,an F.M,radio in the mobiles is an added advantage now.