Once they succeed in providing these basics for their families, the farmers see impact in their lives as expanding their farms, supporting extended family and their broader community, and later, making investments for retirement.

Farmers interviewed in Kenya were typically noncommercial smallholders and more focused on subsistence. Their most important priorities – and thus desired financial solution outcomes – were meeting basic needs such as food security and secondary needs such as rudimentary education for children, as demonstrated in the graphic below.