1.
“Financial Institutions & Workable Solutions”
Howard Politini, PIPSO Chairperson

2.
Financial Institutions &
Workable Solutions
A Fiji Model Project in High Value Agriculture
Nadarivatu HVA

3.
Partnership of Stakeholders
 Ministry of Agriculture
 iTaukei Lands Trust Board
 Provincial Administration
 IFAD
 PCDF NGO
 Bank South Pacific BSP

4.
Project Scope & Objective…
Participation of 230 individual
subsistence village based farmers
Increase the productivity of 230
village based farmers by 20%...High
Value Agriculture Products
High End Market segment…Hotels
Supermarkets…

5.
Stakeholder Roles
 Indigenous
landowners-
subsistence farmers
 Government
 IFAD
 PCDF
 Bank
 Resource Owners
 Facilitation of technical assistance
 Project Financer Sponsor
$US.5m/$1mFJD
 Project Management Capacity
Building & Marketing
 Small loans for individual farmers

6.
Challenges…
 Subsistence mind-sets to Agri-Business mentality…Productivity equals
Profits
 Capacity Gaps…Attitudes and Behaviours
 Disciplines…planning and scheduling…daily disciplines…seed growing
to harvesting...micro tasks management
 Understanding the fail factors and why

7.
Opportunities..
 Asset value of their customary land has enormous potential to improve
standard of living and quality of life in the remote rural location
 Subsistence farming a tradition … a wealth of traditional and basic
knowledge of the land and traditional crop management
 Greater returns for their labour, perseverance and diligence…
 Traditional family structures a strengthened collaboration and team
dynamics…
 Progress inspiration…success inspires…
 Challenges are corporate …
 Financial literacy not rocket science…
 Building banking relationship…

8.
BANK
COMMITMENT
1. Commercial Banks required
to lend 4% of its deposit
base to Agriculture
2. Agriculture is a high risk
credit
3. Development Bank more
relevant for start ups…
4. Microfinance commitments a
developing segment to
establish and grow agri-
business
5. Commit…Connect…Engage
1.?
2.Project plan =
Business Plan
3.Flex & Roll with
the punches…

9.
“
”
Then came Winston…
Risk Reality of agriculture….

10.
jjj
Then out came the spirit and
character of traditional
resilience to pick up the
pieces…