{"id":5866,"date":"2019-08-07T13:29:47","date_gmt":"2019-08-07T13:29:47","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5866"},"modified":"2019-08-07T13:29:47","modified_gmt":"2019-08-07T13:29:47","slug":"pula","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/pula\/","title":{"rendered":"Pula"},"content":{"rendered":"
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Pula<\/strong> offre des micro-assurances aux agriculteurs tanzaniens gra\u0302ce aux donne\u0301es satellites.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Pula a de\u0301veloppe\u0301 un produit d\u2019assurance pour couvrir spe\u0301cifiquement les risques lie\u0301s au manque de pluie. La startup a mis en place un syste\u0300me de souscription par sms simple et adapte\u0301 aux comportements des zones rurales. Elle s\u2019appuie sur des images ae\u0301riennes pour contro\u0302ler et de\u0301dommager imme\u0301diatement les quelques 600 000 agriculteurs qui ont recours a\u0300 ses services.<\/p>\n<\/div>\n<\/div>\n

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PRINCIPE ET GENE\u0300SE DE L’OFFRE<\/p>\n

C\u2019est en travaillant pour le ministe\u0300re de l\u2019agriculture du Rwanda apre\u0300s ses e\u0301tudes d\u2019e\u0301conomie, que Rose Goslinga, Fondateur de Pula est confronte\u0301e aux proble\u0301matiques auxquelles doivent faire face les agriculteurs rwandais. En effet, outre les agriculteurs, une majorite\u0301 d\u2019Africains posse\u0300de des cultures vivrie\u0300res. Toutefois, ces cultures sont de\u0301pendantes de la pluviome\u0301trie. S\u2019il continue de pleuvoir apre\u0300s que les terres aient e\u0301te\u0301 ensemence\u0301es alors les re\u0301coltes seront bonnes. En revanche, s\u2019il cesse de pleuvoir, les semences ne sont plus utilisables et les re\u0301coltes impossibles. Employe\u0301 au ministe\u0300re de l\u2019agriculture, Rose Goslinga participe a\u0300 la cre\u0301ation d\u2019une assurance pour les agriculteurs rwandais. Apre\u0300s quelques anne\u0301es d\u2019expe\u0301rience au sein d\u2019une fondation suisse, elle de\u0301cide de lancer Pula en 2015 : une offre de micro assurance aux agriculteurs contre les ale\u0301as de la pluviome\u0301trie. En 2017, Pula a fait be\u0301ne\u0301ficier d\u2019une micro-assurance 600 000 agriculteurs re\u0301partis dans 8 pays et pre\u0301voit d\u2019e\u0301tendre ses services a\u0300 l\u2019Inde.<\/p>\n<\/div>\n

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PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

Lors de l\u2019achat des semences, les commerc\u0327ants ayant signe\u0301 un partenariat avec Pula pre\u0301sentent et proposent l\u2019offre de micro-assurance aux agricultures. De retour dans leur proprie\u0301te\u0301, ils envoient leur code de souscription par sms au nume\u0301ro indique\u0301 sur la carte d\u2019abonnement. Cela permet a\u0300 Pula de ge\u0301olocaliser la proprie\u0301te\u0301 par satellite et de contro\u0302ler la pluviome\u0301trie dans cette zone. De\u0300s lors que la pluie cesse de tomber, Pula s\u2019engage a\u0300 de\u0301dommager les souscripteurs situe\u0301s dans la zone sans contro\u0302le physique additionnel. Ils rec\u0327oivent enfin de nouvelles semences de la part de Pula.<\/p>\n<\/div>\n

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EN QUOI EST-CE UNE INNOVATION<\/p>\n

Pula constitue une double innovation. D\u2019abord, le mode de souscription via sms et gra\u0302ce aux partenariat avec les commerc\u0327ants, elle contribue a\u0300 maximiser la porte\u0301e de l\u2019offre. Ensuite, le suivi de la pluviome\u0301trie par satellite est un moyen intelligent de lutter contre l\u2019ale\u0301a moral tout en re\u0301duisant les cou\u0302ts de contro\u0302le. Les cou\u0302ts de transactions sont e\u0301leve\u0301s sur les marche\u0301s africains notamment du fait d\u2019institutions parfois de\u0301faillantes et Pula annihile gra\u0302ce a\u0300 la technologie les frictions pre\u0301sentes sur le marche\u0301 de l\u2019assurance aux agriculteurs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Pula offre des micro-assurances aux agriculteurs tanzaniens gra\u0302ce aux donne\u0301es satellites. Pula a de\u0301veloppe\u0301 un produit d\u2019assurance pour couvrir spe\u0301cifiquement les risques lie\u0301s au manque de pluie. La startup a […]<\/p>\n","protected":false},"author":1,"featured_media":5867,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5866","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5866","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5866"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5866\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5867"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5866"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5866"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}