gabrielmahia/kilimo-bima

🌾 Parametric crop insurance calculator for Kenya smallholder farmers — NDMA drought history + M-PESA payment flow # 🌾 kilimo-bima — Parametric Crop Insurance Calculator AI-powered parametric crop insurance calculator for Kenya smallholder farmers — combines NDMA drought data and ACRE methodology to price weather risk at the individual farm level. ## The Structural Problem Conventional insurance fails in low-income agricultural markets because of claims adjustment costs. Sending a field agent to verify a drought-damaged farm in rural Turkana costs more than the claim itself. This makes small-farm insurance economically impossible to provide through traditional channels. **Parametric insurance eliminates this entirely:** ``` Trigger: Satellite NDVI drops below threshold for N consecutive weeks Action: Automatic M-PESA transfer to enrolled farmer Cost: Zero claims adjustment. Zero fraud investigation. ``` ## How It Works 1. Farmer selects their county, crop, and acreage 2. App queries NDMA drought history for that county 3. Risk score calculated from drought frequency + crop vulnerability 4. Premium estimated using area-yield index methodology 5. M-PESA payment flow demonstrated (DEMO only) ## Research Basis - Area-Yield Index insurance methodology (ACRE Africa, 2023) - World Bank Agricultural Finance WP2024 - NDMA County Drought Monitoring Reports ## Run It ```bash pip install streamlit streamlit run app.py ``` ⚠️ DEMO tool — not a real insurance product. Verify products at ira.go.ke. --- *© 2026 Gabriel Mahia / AI Kung Fu LLC · MIT License*