Requirement Identification
SARO identifies farmers' requirements (e.g Two wheel tractor) and issues a quotation.
About SAFF
The Sustainable Agriculture Financing Facility (SAFF) is an initiative supported by the Ministry of Agriculture, aimed at providing affordable agricultural loans to small and medium-scale farmers, as well as SMEs.
Designed to enhance agricultural productivity and sustainability, SAFF addresses the financing challenges that smallholder farmers often face.
By facilitating access to funding, the program enables farmers to adopt improved farming techniques, invest in essential equipment, and increase their yields, ultimately improving their livelihoods and contributing to the growth of the agricultural sector.
Bank Partnerships
SARO is Collaborating with multiple banks to make farming mechanization affordable under SAFF.
Bank Partnerships
SARO is Collaborating with multiple banks to make farming mechanization affordable under SAFF.
Flexible Loans
Offering loan amounts up to ZMW 500,000 for agricultural needs.
Flexible Loans
Offering loan amounts up to ZMW 500,000 for agricultural needs.
Low Interest
Providing concessional interest rates between 14% and 16%.
Low Interest
Providing concessional interest rates between 14% and 16%.
Extended Tenure
Extended Tenure
Loan repayment periods ranging from 1 to 3 years.
Extended Tenure
Loan repayment periods ranging from 1 to 3 years.
SAFF Requirements
- Must be a Zambian citizen with a Green National Registration Card (NRC)
- Must have 1 to 5 hectares of land with proper documentation (title deed, lease agreement, letter of sale, or letter of offer from traditional leaders)
- Must have been actively farming for the past two consecutive farming seasons
- Must have a valid quotation from SARO for the equipment to be financed
- Must be registered through a Headman or Camp Extension Officer
Application Process
Application Endorsement
Farmer’s application signed by the Extension Officer and District Agriculture Coordinator’s office.
Bank Submission
The farmer submits the application to the bank and is given a voucher.
Voucher Redemption
The farmer redeems the voucher at SARO, equipment is supplied, and SARO is paid by the bank.
SARO's Role
Improve lives through sustainable National and Regional economic growth
CLIENT GUIDANCE
SARO guides and advises clients in selecting the most appropriate and reliable machines for agriculture, irrigation, crop/food processing. SARO issues quotation.
CLIENT GUIDANCE
SARO guides and advises clients in selecting the most appropriate and reliable machines for agriculture, irrigation, crop/food processing. SARO issues quotation.
TRAINING
TRAINING
SARO provides training to beneficiaries on equipment use and maintenance to ensure proper operation.
TRAINING
SARO provides training to beneficiaries on equipment use and maintenance to ensure proper operation.
AFTER-SALES SUPPORT
AFTER-SALES SUPPORT
Provide after-sales service and spare parts to ensure long-term machine performance and durability.
AFTER-SALES SUPPORT
Provide after-sales service and spare parts to ensure long-term machine performance and durability.
SARO Contacts
SARO supports the SAFF program in all 116 districts across Zambia! For more information or to redeem your SAFF voucher, visit or call the nearest SARO branch in your district or location. We’re here to help you grow!
| Branch | Contact Person | Phone Number |
|---|---|---|
| SARO Choma | Alice | 0955915457 |
| SARO Chipata | Samson Lungu | 0977491196 |
| SARO Kabwe | Clinton | 0974071730 |
| SARO Kasama | William Bulaya | 0977994148 |
| SARO Kitwe | Hanyawa Hamainda | 0978780797 |
| SARO Livingstone | John Mwanabyando | 0973394547 |
| SARO Lusaka Head Office | Sebastian | 0966030317 |
| SARO Mkushi | Katoka Kahangu | 0979619149 |
| SARO Mongu | Kang’ombe | 0972405739 |
| SARO Mpongwe | Pelony Nampanzye |
0767527603 0974055217 |
| SARO Mumbwa | Iback Lungu | 0955915469 |
| SARO Solwezi | Darious Masonde | 0955915475 |