Rumbuka is providing maize hybrid seed coupled with appropriate amounts of mineral fertilizers on credit, taking payments after the benefits of the hybrid maize have been delivered post-harvest. Rumbuka is delivering credit only to cooperatives at the time being, where the default risk is the lowest. In addition, Rumbuka operates demonstration plots of hybrid maize, combined with a programme of technical assistance to raise awareness of the benefits of hybrid maize and teach farmers good agricultural practices to optimize the yield from their maize.