myAgro is a non-profit social enterprise that has pioneered a mobile layaway model that enables farmers to invest in high-quality seed, fertilizer, tools and training to significantly increase their harvests and income. Farmers pay in advance using a prepaid scratch card (similar to prepaid mobile) from $1-$50. myAgro purchases and delivers the fertiliser, seed and training to the farmers in time for planting season. The program generates 50-100% increases in yields and 50%+ increases in incomes for smallholder farmers.