Emata is a Ugandan fintech and licensed microfinance institution that provides digital, affordable loans to smallholder farmers in the agricultural sector. It uses AI-powered credit scoring and partners with agri-companies to enhance productivity and financial inclusion. Emata's target audience is smallholder farmers across Uganda, currently working with over 60 agri-companies. Its unique selling proposition is offering collateral-free loans through a digital platform, leveraging farmer cooperatives and WhatsApp for disbursement. This approach addresses the significant financial exclusion faced by smallholder farmers, providing them with flexible financing options to improve their farm productivity.