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Increase Access to, and use of a wide range of sustainable financial services in rural areas
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To reduce poverty, improve livelihoods and enhance the resilience of rural households on a sustainable basis.
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Bringing innovation and inclusion to the financial sector.
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Promoting Access to Rural Financial Services in Malawi

FARMSE is a seven-year development programme financed by the Malawi government, the International Fund for Agricultural Development (IFAD), and the private sector, running from 2018 to 2025. The programme works to support the graduation of poor Malawians along the poverty spectrum from ultra-poor to a productive pathway on a sustainable basis. The programme also supports household economic development through access to financial services that are appropriate to each socio-economic level of poverty including ultrapoor, poor but food secure, vulnerable to poverty, and resilient to poverty.

Latest News

FARMSE disburses K818m seed money

FARMSE empowers SCTP beneficiaries

FDH Bank engages 1,500 agents through Ufulu digital banking

Our Funding Partners

The FARMSE programme is jointly funded by International Fund for Agricultural Development (IFAD) and the Malawi Government through the Ministry of Finance for effective achievements of the desired programme results.

Social Media

Malawi government with funding from IFAD and other stakeholders will stop at nothing to realise; poverty reduction, improved livelihoods and enhanced the resilience of rural households on a sustainable basis, says Finance and Economic Affairs Minister, Sosten Gwengwe.

"Unayo account has been developed to give rural people opportunity to access financial services from within their areas," says Standard Bank CEO, Phillip Madinga

FARMSE supports financial institutions with interest to expand adaptable financial services and products to rural communities like Standard Bank.


"Unayo product has potential to contribute towards achieving FARMSE goal of reducing poverty, improving livelihoods and enhancing the resilience of rural households on sustainable basis," says FARMSE Rural Finance Manager, Rogers Mbekeani at Unayo launch @StandardBankMW @IFAD

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