Professional Documents
Culture Documents
Rabo Development
Rabo Development
Traditionally bankable
Commercial farmers
Traditionally Unbankable
Emerging farmers
Retail/SME approach with agri twist lack of financials, need for benchmarking, technical assistance on agro & financial skills
Scheme based approach (e.g. out grower schemes), use Coops for coordination and aggregation
Via SACCOs, coops, saving based loan schemes, etc
Subsistance farmers
AGRI Department HQ Knowledge collection & dissimination Sector policy making Capacity building
Product development
Macro:
Agri-
Sector
Internal:
finance
Micro:
products
Policies:
External:
Branches
Agri-loan officers & Risk management
7
Farmers
Coops
Processors
Traders
Save For Loan Credit score cards Outgrower schemes Emerging farmer programs
Input financing Raw Material Collection Financing WHR financing Cooperative capacity building
Working capital
Risk management
Information Technology (IT) Product management Human Resources Agri value chain solutions Agri sector knowledge Cooperative building Etc.
9
Enabling Environment
Government
NGOs
Multilaterals
Rabo Development
10
11
Key messages
A F&A bank needs commitment and investment for the sector A F&A bank sees long term business in development A F&A bank in a developing country can only be successful in cooperation with carefully selected (public) partners. Partnership must be based on the principle that each partner does what it can do best;
12
Rabo Development