Des financements pour Les petits exploitants

Bienvenue!
NABC Workshop
30 August 2016
Des financements pour
Les petits exploitants;
Mettre en relation les institutions financières
et les organisations de producteurs pour une
meilleure gestion des risques
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Where do we stand?
Align with SME Finance
Forum, GPFI & inventory
Dutch efforts
Knowledge sessions and
research
Develop agenda for future
action
Thematic Approach
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NpM & AgriProFocus
Des financements pour les petits exploitants;
Mettre en relation les institutions financières et
les organisations de producteurs pour une
meilleure gestion des risques
Research
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Aim of the study
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1. Current practices to address known problems and constraints of
small producers and producer organisations (POs) to access
finance?
2. Methodologies used to overcome the constraints.
3. How to provide appropriate financial products and services to
POs and smallholder farmers?
4. How can linkage between these (potential) clients, microfinance
institutions (MFIs) and banks be strengthened and especially what
is the role of the Dutch support organisations in facilitating
these linkages?
5. What are lessons learned? How can best practices and guidelines
be incorporated in organisations that are member of NpM and
AgriProFocus?
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How to finance smallholders?
Myriad solutions!
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Characteristics of Agricultural finance models
Models of agri#
finance
Agricultural
solidarity group 4
lending
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Characteristics
Standard products – timing adjusted to farm calendar
Crop specific MF 3
Crop specific arrangements and conditions
VCF 4
2 or more actors financed: e.g. Farmers and PO
Warrantage 1
Asset based finance – crop held in controlled store
Wholesale finance
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thru PO
Bulk lending to PO – PO retails to farmers
Mobile banking 1
Mobile payment system for farm inputs
Individual
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microfinance
Graduated group clients or SME
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Type of PO and roles performed
Type of Producer Org.
Primary SACCO
Primary
MultiPurposeCs
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Role producer Organisations
Saving and credit and retail of Union Loans
Retail SACCO services and/or MPC services
Informal farmer
group
FS: Facilitating finance, Credit retail, screening farmers
NFS: Link to seed & farm chemicals suppliers, transport,
bulking, storage, quality control, marketing, exposure
meetings and marketing/bulking.
Primary cooperative
Drying, storage, milling, warrantage
Coffee Farmer Assoc.
Bulking, storage, hulling & marketing, certification.
Cooperative
Input supply, coaching farmers, insurance, stores,
marketing
Social enterprise
Input supplies + Farm coaching
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PO and risk
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How to finance smallholders
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Risk management Common Agenda
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Stakeholders in risk mitigation
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Good practice #1:
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As solutions are context dependent “Good practice” has to do with:
a.
b.
c.
d.
e.
Building up knowledge (all context factors)
Orchestrating actors
Design a strategy shared by stakeholders (incl finance strategy)
Facilitate needed NFS: farm extension, BDS
Design appropriate finance strategy & financial product for
this type of clients
Good practice #2:
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“Reduce risks for farmers, and finance will follow”
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Exploit all opportunities for risk mitigation in the chain
This is the common interest between farmers, POs and FIs
Farmers cannot do it by themselves, they need POs
PO’s cannot do it by themselves, they need chain actors
FIs and service providers
http://www.inclusivefinanceplatform.nl/what-snew/reports-more/rapport-entier-des-financements-pour-lespetits-exploitants-mettre-en-relation-les-institutionsfinancieres-et-les-organisations-de-producteurs-pour-unemeilleure-gestion-des-risques
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