Maputo Bridge Capital
Maputo Bridge Capital
Agri-Fintech
BeginnerInnovation & Agritech

MBC Quantum Farming Academy: Protecting (Proteção) — Illustrated Guide

4 illustrated modules teaching satellite NDVI crop monitoring, weather risk and crop insurance, cyclone preparation, and record keeping for credit scoring — for non-literate Mozambican farmers.

30 min Field Skills Maputo Bridge Capital
MBC Quantum Farming Academy: Protecting (Proteção) — Illustrated Guide

Course at a Glance

Level
Beginner
Category
Innovation & Agritech
Learning Track
Field Skills
Duration
30 minutes
Instructor
Maputo Bridge Capital
Cost
Free

MBC Quantum Farming Academy: Protecting (Proteção)

4 modules. 24 illustrations. Satellite monitoring, weather, cyclones, and records.

Module 1: Satellite NDVI — Understanding Crop Health from Space

Illustration 1.1 — CONCEPT: What is Satellite Monitoring?

  • Image: A satellite in space (Sentinel-2 icon) beaming a green light down to a farm. The farm shows green = healthy, yellow = stressed, red = dying. A farmer's phone shows the same colors as a map.
  • Meaning: Satellites see your farm from space. Green = healthy crops. Red = problem.

Illustration 1.2 — RIGHT WAY: How to Use Satellite Data

  • Image: Farmer receives WhatsApp message with a satellite image of his farm. Colors explained: Green (0.6-0.9) = good. Yellow (0.4-0.6) = check plants. Red (below 0.4) = act now. Farmer sees yellow area → goes to check → finds pest problem → treats it.
  • Green checkmark.
  • Meaning: MBC sends you satellite images. Green = good, yellow = check, red = act now.

Illustration 1.3 — WRONG WAY: Ignoring Satellite Data

  • Image: Farmer receives satellite alert showing red area. Farmer ignores it. Two weeks later, crops are dead in that area. Farmer surprised.
  • Red X.
  • Meaning: Don't ignore satellite alerts. Red means act now.

Illustration 1.4 — STEP BY STEP: Reading Satellite Images

  • Image: 4 panels:
    • Panel 1: Receive WhatsApp image from MBC (satellite map of your farm)
    • Panel 2: Check colors — green is good, yellow is warning, red is danger
    • Panel 3: Go to yellow/red areas and check plants
    • Panel 4: Fix the problem (water, pest treatment, fertilizer) and take photo for MBC
  • Meaning: Receive image, check colors, visit problem area, fix it.

Illustration 1.5 — REAL FARM EXAMPLE

  • Image: Mozambican farmer (woman, 40) in Zambézia province checking her phone. MBC sent a satellite image showing green across her entire cassava field. She smiles. NDVI score: 0.78 = excellent.
  • Meaning: This MBC farmer's field scored 0.78 — excellent crop health from space.

Illustration 1.6 — QUICK CHECK

  • Image: Three satellite images. A: all green. B: all red. C: green with yellow patch. Which farm is healthiest?
  • Meaning: A is healthiest (all green). C needs attention (yellow patch). B is in trouble (all red).

Module 2: Weather Risk and Crop Insurance

Illustration 2.1 — CONCEPT: What is Crop Insurance?

  • Image: Left: farmer with no insurance — rain stops, crops die, she loses everything. Right: farmer WITH insurance — rain stops, crops die, but she receives M-Pesa money (phone notification with $$). She plants again next season.
  • Meaning: Insurance = if rain fails, you get money via M-Pesa. Protect yourself.

Illustration 2.2 — RIGHT WAY: How Crop Insurance Works

  • Image: A rainfall chart with a green line (normal) and red line (drought year). Below the red line is a trigger zone. When rainfall drops below the trigger, an automatic payment goes to the farmer's M-Pesa. Clock icon shows: 48 hours = payment received.
  • Green checkmark.
  • Meaning: Rain below trigger = automatic M-Pesa payment within 48 hours. No paperwork.

Illustration 2.3 — WRONG WAY: No Insurance

  • Image: Farmer with no insurance. Cyclone comes. Crops destroyed. No money. Children hungry. Next season: no seeds, no money to plant. Cycle of poverty.
  • Red X.
  • Meaning: Without insurance, one bad season can destroy years of work.

Illustration 2.4 — STEP BY STEP: Getting Crop Insurance

  • Image: 4 panels:
    • Panel 1: Ask MBC agent about crop insurance ($2-5 per season)
    • Panel 2: MBC registers your farm location via GPS
    • Panel 3: Satellite monitors rainfall at your farm
    • Panel 4: If rain below trigger → M-Pesa payment automatically
  • Meaning: Ask agent, register GPS, satellite monitors, auto M-Pesa payout.

Illustration 2.5 — REAL FARM EXAMPLE

  • Image: Mozambican farmer (man, 55) in Gaza province (driest province). He has crop insurance. NDVI shows drought stress. Rainfall below trigger. His phone shows M-Pesa notification: 'Crop insurance payout received.' He buys new seeds.
  • Meaning: This MBC farmer received an insurance payout during drought and replanted.

Illustration 2.6 — QUICK CHECK

  • Image: Two farmers after drought. Farmer A: has insurance, has money, replants. Farmer B: no insurance, no money, stuck. Which farmer is protected?
  • Meaning: A is protected. Insurance = safety net.

Module 3: Cyclone and Flood Preparation

Illustration 3.1 — CONCEPT: What are Cyclones?

  • Image: A satellite view of Mozambique with a cyclone spiral (wind icon) approaching the coast. Arrows showing wind direction. Rain cloud icon. Houses and fields in the path. Calendar showing cyclone season: November to April.
  • Meaning: Cyclones come Nov-April. They bring wind, rain, floods. Prepare early.

Illustration 3.2 — RIGHT WAY: Cyclone Preparation

  • Image: Farmer doing 5 things before cyclone:
    1. Harvest crops early if possible
    2. Store grain in PICS bags (elevated)
    3. Move animals to high ground
    4. Reinforce house roof with ropes
    5. Keep emergency supplies (food, water, phone charged)
  • Green checkmark.
  • Meaning: Harvest early, elevate grain, move animals, reinforce roof, keep supplies.

Illustration 3.3 — WRONG WAY: No Preparation

  • Image: Cyclone hits. Grain washed away by flood. Animals drowned. House roof gone. Family trapped. Phone dead. No food.
  • Red X.
  • Meaning: Without preparation, a cyclone destroys everything.

Illustration 3.4 — STEP BY STEP: Cyclone Action Plan

  • Image: 4 panels:
    • Panel 1: When MBC sends cyclone alert via WhatsApp — ACT IMMEDIATELY
    • Panel 2: Harvest what you can, store in PICS bags, elevate
    • Panel 3: Move animals and family to high ground/safe shelter
    • Panel 4: After cyclone — check for M-Pesa insurance payout, assess damage, replant
  • Meaning: Alert, harvest, store, evacuate, then rebuild.

Illustration 3.5 — REAL FARM EXAMPLE

  • Image: Mozambican farmer (woman, 45) in Sofala province (hit by Cyclone Idai 2019). She received MBC cyclone alert 3 days early. She harvested, stored grain elevated, moved her goats. After cyclone: house damaged but grain safe, animals alive. Insurance payout received.
  • Meaning: This MBC farmer survived Cyclone Idai because she prepared early.

Illustration 3.6 — QUICK CHECK

  • Image: Two scenarios. A: farmer receives cyclone alert and does nothing. B: farmer receives alert, harvests, stores grain high, moves animals. Who survives the cyclone?
  • Meaning: B survives — preparation saves lives and livelihoods.

Module 4: Record Keeping for Credit Scoring

Illustration 4.1 — CONCEPT: What is Record Keeping?

  • Image: Left: farmer with no records — can't prove what he planted, harvested, or earned. Loan denied. Right: farmer with records (notebook + photos + M-Pesa receipts) — loan approved. Credit score badge: 720.
  • Meaning: Keep records = get loans. Records prove you are a good farmer.

Illustration 4.2 — RIGHT WAY: How to Keep Records

  • Image: A simple record system:
    • Notebook with: planting date, crop type, field size
    • Photos of field every 2 weeks (phone camera icon)
    • M-Pesa receipts saved
    • Harvest weight written down
    • Expenses written down (seeds, fertilizer, labor)
  • Green checkmark.
  • Meaning: Write dates, take photos, save receipts, record harvest and expenses.

Illustration 4.3 — WRONG WAY: No Records

  • Image: Farmer applying for loan. MBC asks: 'What did you plant last season?' Farmer: 'I don't remember.' 'How much did you harvest?' 'I don't know.' 'How much did you earn?' 'Not sure.' Loan: DENIED.
  • Red X.
  • Meaning: Without records, you can't get a loan. You have no proof.

Illustration 4.4 — STEP BY STEP: Simple Record System

  • Image: 4 panels:
    • Panel 1: Write planting date and crop in notebook
    • Panel 2: Take a photo of your field every 2 weeks (send to MBC agent)
    • Panel 3: Record harvest weight and selling price
    • Panel 4: Save M-Pesa transaction receipts
  • Meaning: Write dates, take photos, record harvest, save receipts.

Illustration 4.5 — REAL FARM EXAMPLE

  • Image: Mozambican farmer (man, 50) in Manica showing his notebook to MBC agent. Notebook has: planting dates, crop types, harvest weights, M-Pesa receipts stapled inside. His credit score: 710 = Grade B. Loan approved for $5,000.
  • Meaning: This MBC farmer keeps simple records and got a $5,000 loan.

Illustration 4.6 — QUICK CHECK

  • Image: Two farmers applying for loans. Farmer A: has notebook, photos, receipts. Farmer B: has nothing. Who gets the loan?
  • Meaning: A gets the loan. Records = credit score = loan approved.

Course 3 Complete: Protecting. 4 modules. 24 illustrations.

Next: Course 4 — Harvesting (Colheita)

Visual Guide

**Image**: A satellite in space (Sentinel-2 icon) beaming a green light down to a farm. The farm sho
Illustration

**Image**: A satellite in space (Sentinel-2 icon) beaming a green light down to a farm. The farm shows green = healthy, yellow = stressed, red = dying. A farmer's phone shows the same colors as a map.

**Image**: Farmer receives WhatsApp message with a satellite image of his farm. Colors explained: Gr
Illustration

**Image**: Farmer receives WhatsApp message with a satellite image of his farm. Colors explained: Green (0.6-0.9) = good. Yellow (0.4-0.6) = check plants. Red (below 0.4) = act now. Farmer sees yellow area → goes to check → finds pest problem → treats it.

**Image**: Farmer receives satellite alert showing red area. Farmer ignores it. Two weeks later, cro
Illustration

**Image**: Farmer receives satellite alert showing red area. Farmer ignores it. Two weeks later, crops are dead in that area. Farmer surprised.

**Image**: 4 panels:
Illustration

**Image**: 4 panels:

**Image**: Mozambican farmer (woman, 40) in Zambézia province checking her phone. MBC sent a satelli
Illustration

**Image**: Mozambican farmer (woman, 40) in Zambézia province checking her phone. MBC sent a satellite image showing green across her entire cassava field. She smiles. NDVI score: 0.78 = excellent.

**Image**: Three satellite images. A: all green. B: all red. C: green with yellow patch. Which farm
Illustration

**Image**: Three satellite images. A: all green. B: all red. C: green with yellow patch. Which farm is healthiest?

**Image**: Left: farmer with no insurance — rain stops, crops die, she loses everything. Right: farm
Illustration

**Image**: Left: farmer with no insurance — rain stops, crops die, she loses everything. Right: farmer WITH insurance — rain stops, crops die, but she receives M-Pesa money (phone notification with $$). She plants again next season.

**Image**: A rainfall chart with a green line (normal) and red line (drought year). Below the red li
Illustration

**Image**: A rainfall chart with a green line (normal) and red line (drought year). Below the red line is a trigger zone. When rainfall drops below the trigger, an automatic payment goes to the farmer's M-Pesa. Clock icon shows: 48 hours = payment received.

**Image**: Farmer with no insurance. Cyclone comes. Crops destroyed. No money. Children hungry. Next
Illustration

**Image**: Farmer with no insurance. Cyclone comes. Crops destroyed. No money. Children hungry. Next season: no seeds, no money to plant. Cycle of poverty.

**Image**: 4 panels:
Illustration

**Image**: 4 panels:

**Image**: Mozambican farmer (man, 55) in Gaza province (driest province). He has crop insurance. ND
Illustration

**Image**: Mozambican farmer (man, 55) in Gaza province (driest province). He has crop insurance. NDVI shows drought stress. Rainfall below trigger. His phone shows M-Pesa notification: 'Crop insurance payout received.' He buys new seeds.

**Image**: Two farmers after drought. Farmer A: has insurance, has money, replants. Farmer B: no ins
Illustration

**Image**: Two farmers after drought. Farmer A: has insurance, has money, replants. Farmer B: no insurance, no money, stuck. Which farmer is protected?

**Image**: A satellite view of Mozambique with a cyclone spiral (wind icon) approaching the coast. A
Illustration

**Image**: A satellite view of Mozambique with a cyclone spiral (wind icon) approaching the coast. Arrows showing wind direction. Rain cloud icon. Houses and fields in the path. Calendar showing cyclone season: November to April.

**Image**: Farmer doing 5 things before cyclone:
Illustration

**Image**: Farmer doing 5 things before cyclone:

**Image**: Cyclone hits. Grain washed away by flood. Animals drowned. House roof gone. Family trappe
Illustration

**Image**: Cyclone hits. Grain washed away by flood. Animals drowned. House roof gone. Family trapped. Phone dead. No food.

**Image**: 4 panels:
Illustration

**Image**: 4 panels:

**Image**: Mozambican farmer (woman, 45) in Sofala province (hit by Cyclone Idai 2019). She received
Illustration

**Image**: Mozambican farmer (woman, 45) in Sofala province (hit by Cyclone Idai 2019). She received MBC cyclone alert 3 days early. She harvested, stored grain elevated, moved her goats. After cyclone: house damaged but grain safe, animals alive. Insurance payout received.

**Image**: Two scenarios. A: farmer receives cyclone alert and does nothing. B: farmer receives aler
Illustration

**Image**: Two scenarios. A: farmer receives cyclone alert and does nothing. B: farmer receives alert, harvests, stores grain high, moves animals. Who survives the cyclone?

**Image**: Left: farmer with no records — can't prove what he planted, harvested, or earned. Loan de
Illustration

**Image**: Left: farmer with no records — can't prove what he planted, harvested, or earned. Loan denied. Right: farmer with records (notebook + photos + M-Pesa receipts) — loan approved. Credit score badge: 720.

**Image**: A simple record system:
Illustration

**Image**: A simple record system:

**Image**: Farmer applying for loan. MBC asks: 'What did you plant last season?' Farmer: 'I don't re
Illustration

**Image**: Farmer applying for loan. MBC asks: 'What did you plant last season?' Farmer: 'I don't remember.' 'How much did you harvest?' 'I don't know.' 'How much did you earn?' 'Not sure.' Loan: DENIED.

**Image**: 4 panels:
Illustration

**Image**: 4 panels:

**Image**: Mozambican farmer (man, 50) in Manica showing his notebook to MBC agent. Notebook has: pl
Illustration

**Image**: Mozambican farmer (man, 50) in Manica showing his notebook to MBC agent. Notebook has: planting dates, crop types, harvest weights, M-Pesa receipts stapled inside. His credit score: 710 = Grade B. Loan approved for $5,000.

**Image**: Two farmers applying for loans. Farmer A: has notebook, photos, receipts. Farmer B: has n
Illustration

**Image**: Two farmers applying for loans. Farmer A: has notebook, photos, receipts. Farmer B: has nothing. Who gets the loan?

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