Today’s Solutions: December 18, 2025

“What if you could buy fertilizer and seeds the same way that you buy prepaid minutes for your phone?” thought microfinance specialist Anushka Ratnayake. At the time, Ratnayake was working in Kenya for an organization that provided loans to farmers. To test her mobile layaway model, Ratnayake moved to Mali, a country ripe for such an idea. Mali is one …

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