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This presentation was delivered by Maina Ndirangu from Co-Operative Bank of Kenya at the AgriFin Financing Agriculture Forum 2012. This presentation describes its lending model, key success factors, challenges, and risk mitigating solutions in providing financial services to agri-cooperatives in Kenya.
The objective of the Agriculture Finance knowledge platform is to share knowledge, tools and best practices among policy makers, researchers and experts, and to provide periodic updates on agriculture finance and other related topics. It is a repository of the documents, tools, knowledge products, reports, and analyses that the World Bank Agriculture Finance Community of Practice and our World Bank colleagues and external partners have produced in the past.
The AgriFin Knowledge Library is hosted as a “Group” on Collaboration for Development (C4D), which is a secure social collaboration platform focused on development issues, hosted by the World Bank. The site is public so it is Google searchable and all content can be viewed.
Crop receipts have become a secure and efficient financing instrument in Ukraine that enables farmers to use their future crops as collateral to access financing for inputs such as seeds and fertilizers. Supported by the IFC project, over 2,000 farmers in the country have issued 4,500 crop receipts for 40 crops in just a few years to obtain over $1 billion of financing from 200+ creditors (60% of which was input suppliers) and the NPL ratio remains less than 1%. The presentation explained the details of the project and summarized the key success factors ranging from proactive government, out of court enforcement, public register to developed and diversified supply chains. During the Q&A, the discussants and the participants further discussed the possibility to introduce crop receipts in other counties.
Crop receipts have become a secure and efficient financing instrument in Ukraine that enables farmers to use their future crops as collateral to access financing for inputs such as seeds and fertilizers. Supported by the IFC project, over 2,000 farmers in the country have issued 4,500 crop receipts for 40 crops in just a few years to obtain over $1 billion of financing from 200+ creditors (60% of which was input suppliers) and the NPL ratio remains less than 1%. The presentation explained the details of the project and summarized the key success factors ranging from proactive government, out of court enforcement, public register to developed and diversified supply chains. During the Q&A, the discussants and the participants further discussed the possibility to introduce crop receipts in other counties.
Cooperative Financial Institutions, CFIs, face very specific challenges in addressing the impact of COVID-19 which stem from their cooperative nature as well as from their ability to access public resources to cope with the consequences of the pandemic. A panel of distinguished practitioners will discuss these aspects, looking at how CFIs have fared in comparison to other financial entities and at the challenges they will have to address in the years to come to adapt and expand their services
An introductory webinar jointly organized by SAFIN and AGRIFIN
This webinar was the first of a series of virtual discussions dedicated to understanding the implications of the COVID-19 crisis on agri-SME finance and possible short and long term responses. The session started with a presentation of data and analysis conducted by FAO on the current impacts on agricultural supply chains and their possible consequences. The panelists addressed how the crisis is affecting farmers organizations, agro-dealers and other agribusinesses along the value chain, as well as African financial institutions operating in the sector, and they laid out some of the emerging responses and areas where opportunities to “build back better” can be identified. During the Q&A session, the panelists underlined the need for greater and better informed collaboration across and beyond the agricultural finance ecosystem, the importance of measures to improve women’s access to finance in agriculture, and the critical role of digitalization of market and financial transactions during the current crisis and most likely also in the recovery phase
In collaboration with the World Bank Agricultural Finance team, a team of students from Columbia School of International and Public Affairs as part of the Capstone Program conducted this yeara study on the role of insurance in promoting climate-smart agriculture. Climate change is resulting in an increased frequency and severity of droughts in countries such as Senegal and Ethiopia. For smallholder farmers who are dependent on rainfed agriculture and have limited protection from weather risks, climate change has the potential to devastate livelihoods, perpetuating the cycle of poverty in rural communities. Climate-smart agriculture offers the potential to increase the adaptive capacity of farmers while increasing incomes. However, climate-smart investment entails risks and costs that oftentimes risk-exposed farmers are unwilling or unable to manage. The team developed an interactive risk analysis framework that simulates the farmer’s decision- making process for various investment options using data and parameters for a smallholder farmer in Senegal. The model showed that. at lower levels of climate risk, farmers may rely more on risk reduction technologies rather than insurance to cover production risks. In such a case, government support for adoption of such technologies rather than insurance may be more effective. At higher levels of climate risk, farmers may need both technology and insurance to manage production risks. Under these conditions, subsidizing insurance could be considered, as insurance may function to mitigate the residual risk that technology is unable to mitigate.
The report aims to explore and analyze the major gaps in financial inclusion and access to finance in Romania, as identified in the Technical Note on Financial Intermediation prepared in the context of the Financial Sector Assessment Program (FSAP) (2018). The FSAP technical note analyzed the factors at play explaining the relatively low and declining level of financial intermediation in Romania for both the household and the corporate segment and offered policy recommendations to support sustainable enhancement of financial intermediation. The report is organized as follows: chapter one conducts a geo-spatial mapping of financial inclusion and access to finance for both individuals and enterprises. Chapter two is a diagnostic assessment of the state of finance for agriculture and identifies constraints and potential opportunities. Chapter three provides an overview of the role of the cooperative financial institutions in financial inclusion especially in rural areas and recommendations how this may be enhanced.
