Farmers are offered free advisory services as well as access to 'micro-collectors' (micro-aggregators who are often farmers themselves). Many former third-party buyers become micro-collectors on behalf of Jiva, collecting crops from farmers in exchange for a regular income. Jiva has a standalone application designed for micro-collectors Through an assigned micro-collector, farmers access low-cost loans to buy inputs through Jiva's inputs store and delivery service.

Jiva operates a buy-now-pay-at-harvest credit model, creating a "closed loop" in which farmers buy inputs on credit, pay back with their harvest and guarantee Jiva the sale.

Jiva uses a dual physical and digital model, which allows their technology and product teams to rapidly optimize and update the advisory, pricing, routing and other services to meet live conditions on the ground.

Jiva uses data generated by the product to assess the credit model, tweak and evolve the farmer advisory service and provide a wider range of products on their e-commerce store. Jiva is a profit-for-purpose venture, so the more data they collect, the more value they can share with farmers and micro-collectors.

Jiva uses a deep upstream procurement model, powered by an expanding network of local entrepreneurs, creating relationships with farmers at the source.