Access to Finance for Smallholder Farmers

The percentage of smallholders with access to finance is equally difficult to quantify. According to estimates, even promising approaches to expanding smallholder lending, such as value chain finance, are reaching fewer than 10 percent of smallhold...

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Bibliographic Details
Main Author:	International Finance Corporation
Format:	Working Paper
Language:	English en_US
Published:	Washington, DC 2015
Subjects:	ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO FORMAL CREDIT ACCESS TO MARKETS ACCESS TO TECHNICAL ASSISTANCE ACCOUNTING ACCOUNTS RECEIVABLES AGRICULTURAL ACTIVITIES AGRICULTURAL ACTIVITY AGRICULTURAL COMMODITIES AGRICULTURAL CREDIT AGRICULTURAL DEVELOPMENT BANKS AGRICULTURAL FINANCE AGRICULTURAL INCOME AGRICULTURAL LOAN AGRICULTURAL LOANS AGRICULTURAL MARKET AGRICULTURAL PRODUCTS AGRICULTURAL SECTOR AGRICULTURE ORGANIZATION ALTERNATIVE COLLATERAL ATM NETWORKS BANK ACCOUNT BANK BRANCH BANK BRANCHES BANK LENDING BANKING SYSTEM BANKING SYSTEMS BANKS BONDED WAREHOUSES BORROWER BUSINESS OPPORTUNITIES CASH FLOW CASH FLOW ANALYSES CASH FLOW ANALYSIS CASH FLOWS COLLATERAL REQUIREMENTS COMMERCIAL BANKS COMMERCIAL CREDIT COMMERCIAL FARMER COMMERCIAL FARMERS COMMERCIAL LENDING COMMERCIAL LOAN COMMERCIAL LOANS CONFLICTS OF INTEREST COOPERATIVES CREDIT ANALYSIS CREDIT APPLICATION CREDIT ASSESSMENT CREDIT BANKS CREDIT BUREAUS CREDIT OFFICER CREDIT OFFICERS CREDIT POLICIES CREDIT PRODUCT CREDIT PRODUCTS CREDIT RATINGS CREDIT RISK CREDIT RISK ASSESSMENT CREDIT SCORING CREDITS CREDITWORTHINESS CROP INSURANCE CUSTOMER BASE CUSTOMER SERVICE DEBIT CARDS DEBT DEFAULT RATES DELINQUENCY RATE DELINQUENCY RATES DEPOSIT DEPOSITS DEVELOPING COUNTRIES DIRECTED CREDIT DISBURSEMENT DIVERSIFICATION DIVERSIFIED INCOME DIVERSIFIED INCOMES DONOR SUPPORT DOUBLE BOTTOM LINE DUE DILIGENCE ECONOMIC ACTIVITY EMERGING MARKETS ENABLING ENVIRONMENT EQUIPMENT FAMILIES FINANCE COMPANIES FINANCIAL EDUCATION FINANCIAL INSTITUTIONS FINANCIAL LITERACY FINANCIAL NEEDS FINANCIAL PRODUCT FINANCIAL PRODUCTS FINANCIAL SELF-SUFFICIENCY FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FIXED ASSET FIXED ASSETS FORMAL FINANCIAL INSTITUTION FORMS OF COLLATERAL FUNGIBLE GROUP LENDING GROUP-LENDING GROWTH OPPORTUNITIES GUARANTEE REQUIREMENTS GUARANTOR HOUSEHOLDS HUMAN RESOURCES INDEBTEDNESS INDIVIDUAL LOANS INFORMATION SYSTEM INFORMATION SYSTEMS INSURANCE PRODUCTS INTEREST PAYMENTS INTEREST RATE INTEREST RATES INTERNATIONAL DEVELOPMENT INTERNATIONAL FINANCE INVENTORIES INVESTING JOINT LIABILITY JOINT-LIABILITY JOINT-LIABILITY GROUPS LACK OF AWARENESS LEGAL TITLE LENDER LENDERS LENDING PORTFOLIO LENDING PORTFOLIOS LIFE INSURANCE LIMITED ACCESS LIMITED ACCESS TO FINANCE LOAN LOAN AMOUNTS LOAN APPLICATION LOAN APPLICATIONS LOAN CLASSIFICATION LOAN OFFICER LOAN OFFICERS LOAN OFFICES LOAN PAYMENTS LOAN PORTFOLIO LOAN PORTFOLIOS LOAN PROCESSING LOAN PRODUCT LOAN PRODUCTS LOAN REPAYMENT LOAN REPAYMENTS LOAN SIZE LOAN SIZES LOAN TERM LOAN TERMS LOCAL MARKETS LONG-TERM FINANCE LONG-TERM LENDING MARKET CONDITIONS MARKET ENVIRONMENT MARKET RISKS MARKET SEGMENTATION MATURITY MFI MFIS MICRO ENTREPRENEURS MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MOBILE PHONE MOBILE PHONES MOVABLE ASSETS MOVABLE PROPERTY NEW MARKET NON-PERFORMING LOANS NPL OUTREACH PARTIAL GUARANTEE PORTFOLIO DIVERSIFICATION PORTFOLIO PERFORMANCE PORTFOLIO QUALITY PRINCIPAL PAYMENTS PROFIT MARGIN PROFITABILITY REPAYMENT REPAYMENT ARRANGEMENTS REPAYMENT CAPACITY REPAYMENT HISTORY REPAYMENT SCHEDULES RESERVE RETURN RETURN ON ASSETS RISK AVERSION RISK FACTORS RISK MANAGEMENT RISK MANAGEMENT STRATEGIES RISK MITIGATION RISK PROFILES RISK SHARING RURAL BANK RURAL BANKING RURAL CLIENTS RURAL MARKETS SAVINGS SECURITIES SMALLHOLDER SMALLHOLDER FARMERS SMALLHOLDERS SOLIDARITY GROUP LENDING SOURCE OF INCOME SOURCES OF INCOME TECHNICAL ASSISTANCE TERM DEPOSITS TRANSACTION TRANSACTION COSTS TRANSPORTATION SERVICE URBAN AREAS WAREHOUSE WAREHOUSE RECEIPTS WAREHOUSES WORKING CAPITAL
Online Access:	http://documents.worldbank.org/curated/en/2014/01/24161177/access-finance-smallholder-farmers-learning-experiences-microfinance-institutions-latin-america http://hdl.handle.net/10986/21679

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Summary:	The percentage of smallholders with access to finance is equally difficult to quantify. According to estimates, even promising approaches to expanding smallholder lending, such as value chain finance, are reaching fewer than 10 percent of smallholders, primarily those in well-established value chains dedicated to higher value cash crops. International Finance Corporation (IFC) has been engaged for several years in learning efforts through diverse partnerships to obtain insights into the challenges of agricultural finance. The evidence of microfinance institution (MFI) involvement in financing commercial and semi-commercial smallholders remains anecdotal and lacks specifics on what makes MFI lending to these segments feasible, and what restricts their reach and effectiveness. This IFC study aims to identify and disseminate lessons emerging from the work of MFIs that have implemented agricultural operations targeting agricultural smallholders in Latin America and the Caribbean (LAC) to support replication and expansion of scalable approaches. Through this research, IFC seeks to understand the motivations of MFIs that venture into agricultural finance, how the products they offer have been structured, and how they were implemented, with a specific focus on agricultural finance programs, and products that are designed for smallholders in loose value chains and non-commercial (subsistence) farmers.

Access to Finance for Smallholder Farmers

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