The document discusses the role of technical assistance (TA) in lending to smallholder farmers. It proposes establishing a special purpose vehicle (SPV) to provide TA services as a way to mitigate risk for lenders and improve efficiency. The SPV would act as a virtual broker, bundling input, production, and market services and sharing timely information with farmers, lenders, and buyers to facilitate partnerships along the agricultural value chain. By improving transparency and reducing transaction costs, the SPV could help increase access to credit for smallholder farmers.
CTA's director Michael Hailu gave a presentation at the P3a Conference (22-24 March 2016) in Aruba. " Through support to sustainable value chains, CTA is closely collaborating with farmers groups, private sector actors, knowledge institutions and policy makers across several SIDS targeting the domestic tourism industry, export markets and offsetting of the large food import bills in these countries.", says Michael Hailu, CTA Director.
Agrifi is a new initiative that increases investment in smallholder agriculture and agribusiness micro/ small/medium enterprises (MSMEs) to achieve inclusive and sustainable agricultural growth.
Agrifi will be launched in 2016, together with interested parties and European Financial Institutions.
A central feature of Agrifi is that the provision of EU grants will mobilise additional public and private investment. This additional investment is needed to enhance the development impact of investment projects and achieve impact at scale.
Agrifi responds to the lack of financing mechanisms adapted to farmers and agri-entrepreneurs, particularly for smallholders and agribusiness MSMEs.
Agrifi will be backed-up by a robust component of technical assistance and value chains analysis capacity, to support decision making on investment, to enhance business development and advisory services for farmers and agri-entrepreneurs and to monitor the actions for accountability purposes.
Agrifi addresses this situation by providing greater risk-bearing capacity through public money, to encourage project promoters and attract private finance to viable investments which would not have happened otherwise.
Agrifi is therefore about addressing a market failure and it finances those actions that have a clear development impact on those who would normally not be reached. This includes smallholders with limited market orientation, vulnerable farmers, women and young farmers and entrepreneurs
Weak, inequitable and inefficient systems
Poor are dependent on systems for their livelihoods that do not work well
TechnoServe strives to make Market Systems work for the poor
Improved production & more effective markets
Presentation hold by Getachew Mengistie Alemu, Intellectual Property Consultant & Attorney from Ethiopia, at the Brussels Briefing ‘Geography of food: reconnecting with origin in the food system’, organized by CTA on 15th May 2013.
More on: http://brusselsbriefings.net/
CTA's director Michael Hailu gave a presentation at the P3a Conference (22-24 March 2016) in Aruba. " Through support to sustainable value chains, CTA is closely collaborating with farmers groups, private sector actors, knowledge institutions and policy makers across several SIDS targeting the domestic tourism industry, export markets and offsetting of the large food import bills in these countries.", says Michael Hailu, CTA Director.
Agrifi is a new initiative that increases investment in smallholder agriculture and agribusiness micro/ small/medium enterprises (MSMEs) to achieve inclusive and sustainable agricultural growth.
Agrifi will be launched in 2016, together with interested parties and European Financial Institutions.
A central feature of Agrifi is that the provision of EU grants will mobilise additional public and private investment. This additional investment is needed to enhance the development impact of investment projects and achieve impact at scale.
Agrifi responds to the lack of financing mechanisms adapted to farmers and agri-entrepreneurs, particularly for smallholders and agribusiness MSMEs.
Agrifi will be backed-up by a robust component of technical assistance and value chains analysis capacity, to support decision making on investment, to enhance business development and advisory services for farmers and agri-entrepreneurs and to monitor the actions for accountability purposes.
Agrifi addresses this situation by providing greater risk-bearing capacity through public money, to encourage project promoters and attract private finance to viable investments which would not have happened otherwise.
Agrifi is therefore about addressing a market failure and it finances those actions that have a clear development impact on those who would normally not be reached. This includes smallholders with limited market orientation, vulnerable farmers, women and young farmers and entrepreneurs
Weak, inequitable and inefficient systems
Poor are dependent on systems for their livelihoods that do not work well
TechnoServe strives to make Market Systems work for the poor
Improved production & more effective markets
Presentation hold by Getachew Mengistie Alemu, Intellectual Property Consultant & Attorney from Ethiopia, at the Brussels Briefing ‘Geography of food: reconnecting with origin in the food system’, organized by CTA on 15th May 2013.
More on: http://brusselsbriefings.net/
Presentation from day 2 of: "Policy setting for improved linkages between agriculture, trade and tourism: Strengthening the local agrifood sector and promoting healthy food in agritourism" Workshop organised by the Government of Vanuatu and CTA in collaboration with IICA and PIPSO, Port-Vila, Vanuatu, 25-27 May 2016
5yr program designed to transform the livelihoods of 136,000 resource poor farming communities through a “competitive” and “inclusive” dairy value chain
and additional 400,000 secondary beneficiaries
Phase-I - funded by the Bill & Melinda Gates Foundation,
Phase II major part ($25.5 m)
opportunity for other players to co-fund the balance for long term sustainably and ownership
Implemented by Heifer, TNS, ILRI, ICRAF and ABS
The presentation was part of the Brussels Development Briefing on the topic of fish-farming, organized by the Technical Centre for Agriculture (CTA), the European Commission, and the African, Carribean, and Pacific (ACP) Secretariat on 3rd of July 2013 in Brussels.
More on: http://brusselsbriefings.net/
Presentation by CAPAD, ISABU, ITEC and the Wageningen University at the 2016 annual meeting of the European Forum on Agricultural Research for Development (EFARD).
The Brussels Development Briefing no. 44 on “Promoting responsible and sustainable sourcing through Fair Trade” took place on 22 June 2016 from 9:00 to 13:00, at the ACP Secretariat in Brussels, Belgium.
This Briefings was co-organised by CTA, the European Commission / DEVCO, the ACP Secretariat, CONCORD and the Fair Trade Advocacy Office.
Milk Makes People Great
About Acre Africa
Agricultural Risks
Why Dairy Insurance
Challenges
Way Forward
We are a micro-insurance product designer linking stakeholders in the agricultural sector to insurance products through localized solutions that reduce climate-associated risk.
We operate as an insurance intermediary – an organization that is not an insurance company, but rather working with local insurers and other stakeholders in the agricultural insurance value chain.
We are a registered insurance surveyor in Kenya, an insurance agent in Rwanda, with registration on-going in Tanzania.
We have 24 staff members from diverse professional fields such as Insurance, Agriculture and Veterinary Sciences, Actuarial Science, Marketing and Finance
Presentation held by Johann Kirsten, Head, Department of Agricultural Economics, University of Pretoria, at the Brussels Briefing ‘Geography of food: reconnecting with origin in the food system’, organized by CTA on 15th May 2013.
More on: http://brusselsbriefings.net/
SUSTAINABLE COOPERATIVE DEVELOPMENT IN AFRICA
Cooperatives play an important role in economic development of many countries across the continent.
In Kenya, cooperatives are controlling about 43% of GDP and 31% of national savings and deposits. They have 70% of the coffee market, 76% dairy, 90% pyrethrum, and 95% of cotton.
In Benin, FECECAM (Faitiere des caisses deparge et de credit agricole mutuel), a savings and credit cooperative federation, provided USD 16 million in rural loans in 2002.
In Côte d'Ivoire cooperatives invested USD 26 million for setting up schools, building rural roads and establishing maternal clinics.
In Kenya, over 300,000 people are directly employed by co-operatives
Globally, cooperatives provide over 100 million jobs around the world, 20% more than multinational enterprises.
Presentation by James Kinyangi from the African Development Bank at the Land and Water Advantage event on the sidelines of COP23.
More information about the event series: https://bit.ly/AgAdvantage
Samoa Agritourism Policy Setting Worskhop 2016
Linking Agriculture and Tourism through Policy setting:
Strengthening the local agrifood sector and promoting agritourism
Workshop organised by the Government of Samoa and CTA
in collaboration with PIPSO
Apia, Samoa, 13-16 December 2016
White gold - Opportunities for Dairy Sector Development Collaboration in East...Jan van der Lee
This report presents findings from desk studies and country visits on the six East African countries (Burundi, Ethiopia, Kenya, Rwanda, Tanzania, and Uganda) made on request of the Inter-Agency Donor Group on Pro-poor Livestock Development, as per study terms of reference. It includes recommendations on areas of donor support and collaboration, a regional dairy sector analysis, country dairy profiles, and current donor programs in the dairy sector.
A presentation by Stephen Muchiri, from Eastern Africa Farmers Federation (EAFF) and CEO of e-Granary, about a commercial digital platform linking smallholder farmers in East Africa to targeted services.
The e-Granary platform, an ambitious venture initiated by the EAFF is in its relatively early days serving producers in Kenya, Uganda and Rwanda. It aims to strengthen their position with other actors such as buyers, input traders and financial institutions, and it has generated many lessons and challenges to overcome.
The presentation was given at a webinar on using technology to increase market and finance access for smallholders hosted by the International Institute for Environment and Development (IIED) on 24 March 2020.
More details: https://www.iied.org/webinar-using-technology-increase-market-finance-access-for-smallholders
Presentation from day 2 of: "Policy setting for improved linkages between agriculture, trade and tourism: Strengthening the local agrifood sector and promoting healthy food in agritourism" Workshop organised by the Government of Vanuatu and CTA in collaboration with IICA and PIPSO, Port-Vila, Vanuatu, 25-27 May 2016
5yr program designed to transform the livelihoods of 136,000 resource poor farming communities through a “competitive” and “inclusive” dairy value chain
and additional 400,000 secondary beneficiaries
Phase-I - funded by the Bill & Melinda Gates Foundation,
Phase II major part ($25.5 m)
opportunity for other players to co-fund the balance for long term sustainably and ownership
Implemented by Heifer, TNS, ILRI, ICRAF and ABS
The presentation was part of the Brussels Development Briefing on the topic of fish-farming, organized by the Technical Centre for Agriculture (CTA), the European Commission, and the African, Carribean, and Pacific (ACP) Secretariat on 3rd of July 2013 in Brussels.
More on: http://brusselsbriefings.net/
Presentation by CAPAD, ISABU, ITEC and the Wageningen University at the 2016 annual meeting of the European Forum on Agricultural Research for Development (EFARD).
The Brussels Development Briefing no. 44 on “Promoting responsible and sustainable sourcing through Fair Trade” took place on 22 June 2016 from 9:00 to 13:00, at the ACP Secretariat in Brussels, Belgium.
This Briefings was co-organised by CTA, the European Commission / DEVCO, the ACP Secretariat, CONCORD and the Fair Trade Advocacy Office.
Milk Makes People Great
About Acre Africa
Agricultural Risks
Why Dairy Insurance
Challenges
Way Forward
We are a micro-insurance product designer linking stakeholders in the agricultural sector to insurance products through localized solutions that reduce climate-associated risk.
We operate as an insurance intermediary – an organization that is not an insurance company, but rather working with local insurers and other stakeholders in the agricultural insurance value chain.
We are a registered insurance surveyor in Kenya, an insurance agent in Rwanda, with registration on-going in Tanzania.
We have 24 staff members from diverse professional fields such as Insurance, Agriculture and Veterinary Sciences, Actuarial Science, Marketing and Finance
Presentation held by Johann Kirsten, Head, Department of Agricultural Economics, University of Pretoria, at the Brussels Briefing ‘Geography of food: reconnecting with origin in the food system’, organized by CTA on 15th May 2013.
More on: http://brusselsbriefings.net/
SUSTAINABLE COOPERATIVE DEVELOPMENT IN AFRICA
Cooperatives play an important role in economic development of many countries across the continent.
In Kenya, cooperatives are controlling about 43% of GDP and 31% of national savings and deposits. They have 70% of the coffee market, 76% dairy, 90% pyrethrum, and 95% of cotton.
In Benin, FECECAM (Faitiere des caisses deparge et de credit agricole mutuel), a savings and credit cooperative federation, provided USD 16 million in rural loans in 2002.
In Côte d'Ivoire cooperatives invested USD 26 million for setting up schools, building rural roads and establishing maternal clinics.
In Kenya, over 300,000 people are directly employed by co-operatives
Globally, cooperatives provide over 100 million jobs around the world, 20% more than multinational enterprises.
Presentation by James Kinyangi from the African Development Bank at the Land and Water Advantage event on the sidelines of COP23.
More information about the event series: https://bit.ly/AgAdvantage
Samoa Agritourism Policy Setting Worskhop 2016
Linking Agriculture and Tourism through Policy setting:
Strengthening the local agrifood sector and promoting agritourism
Workshop organised by the Government of Samoa and CTA
in collaboration with PIPSO
Apia, Samoa, 13-16 December 2016
White gold - Opportunities for Dairy Sector Development Collaboration in East...Jan van der Lee
This report presents findings from desk studies and country visits on the six East African countries (Burundi, Ethiopia, Kenya, Rwanda, Tanzania, and Uganda) made on request of the Inter-Agency Donor Group on Pro-poor Livestock Development, as per study terms of reference. It includes recommendations on areas of donor support and collaboration, a regional dairy sector analysis, country dairy profiles, and current donor programs in the dairy sector.
A presentation by Stephen Muchiri, from Eastern Africa Farmers Federation (EAFF) and CEO of e-Granary, about a commercial digital platform linking smallholder farmers in East Africa to targeted services.
The e-Granary platform, an ambitious venture initiated by the EAFF is in its relatively early days serving producers in Kenya, Uganda and Rwanda. It aims to strengthen their position with other actors such as buyers, input traders and financial institutions, and it has generated many lessons and challenges to overcome.
The presentation was given at a webinar on using technology to increase market and finance access for smallholders hosted by the International Institute for Environment and Development (IIED) on 24 March 2020.
More details: https://www.iied.org/webinar-using-technology-increase-market-finance-access-for-smallholders
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Presenters: Tara Chiu (Feed the Future AMA Innovation Lab at UC Davis), Coralie Martin (EA Consultants) and Pranav Prashad (the ILO's Impact Insurance Facility). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
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Tovo Aina Andriamampionona et Nirina Razafimanantsoa, élus porte-paroles par les membres des coopératives participantes au Forum des coopératives malgaches, ont résumé les principaux problèmes auxquels les coopératives sont confrontées. Plus d'infos : http://bit.ly/2mMLoo2
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One of the top cities of India, Hyderabad is the capital of Telangana and home to some of the biggest companies. But the other aspect of the city is a huge chunk of population that is even deprived of the food and shelter. There are many people in Hyderabad that are not having access to
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The Role of Technical Assistance in Lending Products for Smallholder Agriculture
1. The Role of Technical Assistance in
Lending Products for Smallholder
Agriculture
George R. Osure
June 2014
2. Agenda
1. About SFSA
2. How to make use of Technical
Assistance (TA) as a risk mitigation
tool plus other benefits to both
lenders and farmers.
3. Conveying technical assistance to
lenders and farmers as an sharing
information service for efficiency.
4. Structure of a Special Purpose
Vehicle for Technical Assistance.
5. Conclusion and recommendation
INPUT
MGT
PLAN
OUTPUT
MGT PLAN
SERVICES
MGT PLAN
3. 3
GOAL: Reach millions of small farmers
through scalable, sustainable solutions,
raise farmers’ productivity, activate supply
chains, increase incomes.
About the SFSA : Where we work
4. About SFSA: support systems and assets
4
R & D Market-led Extension
Risk Management
Policy Development
Seed Systems Outreach
1. A non-profit organization established by Syngenta under
Swiss law.
2. Can access Company expertise but it is legally
independent and has its own board.
5. We will now consider how technical
assistance (TA) can support the lending
process by reducing cost of transaction,
improving accuracy, and mitigating risk.
7. Technical Assistance as an enabler
• Introducing traceability of input-throughput – output
linkages
• Improves ease of monitoring QC standards of farmer-
lender interaction.
Develops opportunities
for both farmer and
lender by efficiently
aggregating services
required at all levels of
the value chain.
• Access to credit as complex due to the tools required e.g.
BP
• Lenders as being only Interested in markets, not
production with preference for “town based” operations
• Institutions who work supported by a very harsh legal
regime.
Enables farmers by
changing mindset (as it
is participatory).
• Uses transparency, accuracy, and timeliness of availability
of data as a risk mitigation tool due to availability of
predictive nature.
• Relates with suppliers on technology development trends
Integrates information
acquisition with risk
management:
8. The Trust pipeline linking buyer-lender - farmer
Knowledge
and personal
experience of
the farmer e.g.
weather.
Soil health and
water quality at
the beginning.
Relevant laws
related to:
seeds,
research,
regulatory
institutions,
policies,
packaging, and
standards.
Annual crop
calendars,
physical &
geographical
location.
The
contribution of
gross margins
and crop
rotation
towards loan
repayment.
8
High Quality technical assistance is the virtual trusted broker
or glue at the center of the buyer – lender – farmer.
9. Reports & data TA prepares for an agric. lender
The report should be easy to
understand and relate to the
conditions that borrowers
(farmers) relate to such as:
Number of farmer groups
suitable and available
Labour market available &
created to sustain agric prodn
Area cultivated (ha or acres):
Revenue/profit/yield generated
and available for loan
repayment per unit area.
9
10. Technical Assistance (TA) requires a
vehicle to convey the information in a
format that is regulated, legally sound in a
cost effective manner.
This requires a Special purpose vehicle
(SPV) designed for this specific purpose
and business environment.
11. SPV can provide TA to a single or group of lenders
Recommended that for TA to
benefit lenders to agriculture
we require a Special Purpose
Vehicle (SPV) that can link
credit, input suppliers
farmers, and buyers.
The SPV is designed to be
primarily used as a trusted,
legally sound information
brokering and exchange
platform”.
12. SPV structure as TA for lender- farmer- buyer
12
A not for profit company whose KPI can be: addditional sales
generated for suppliers, work created and incomes
generated, additional value of business for the area.
Structured to cover work done between lender
and input & services suppliers, buyer, and a
regulator.
1. The SPV should be financed from transaction costs (loan)
reducing insurance/risk costs and hence becomes an virtual
risk mitigation tool.
2. Triple bottom line (profit, poverty alleviation,
environmental sustainability) becomes an inclusion tool as it
will facilitate partnerships with the development community.
13. 13
Board of
management
Metrics Support
Process/ Farmer financial
management / P&L
Location 1 Location 2 Location 3
Public Enterprise
support / Network
• Labs
• Plant protection services
• Agronomy Training
Marketing Support
Registration of members to SPV
Private Enterprise
support / Network
• Fertilizer companies
• Irrigation firms
• Machinery suppliers, etc
External partners & lender
loans officers
Production Support
• Strong technical focus
• Coordination of plans
Private Enterprise
support / Network
• Loans officers from Lenders
• Implement training
• Stewardship (safety)
• Tech support
• Agro systems
• Market analysis
• Market
development
• links
• Profitability,
• cost analysis,
• impact assessment
KPI for the SPV
Location 4
Special purpose vehicle to
organize & manage services
Loans officers access
information required.
SPV organogram to provide TA with support networks
14. Conclusions: TA for the business environment
A SPV will efficiently bundle the farmer- lender
requirements by sharing information with all parties in
a timely manner aspects of the production & market
plan :
1. Inputs
2. Buying specifications including prices
3. Procurement
4. Reduced risk through transparency:
5. Reduces the high operation costs related to
distribution incurred by lenders by using
data availed in a timely manner.
15. Conclusions: Recommendation
Farmers and lenders need Technical assistance
availed by a legally sound and transparent SPV to
support the mix of production & market led systems
anchored on joint liability collateral, crop& trade
insurance, working thro bundled services for planned
aggregated production.
16. The Role of Technical Assistance in
Lending Products for Smallholder
Agriculture:
THANK YOU FOR YOUR ATTENTION
George R. Osure
June 2014