Agricultural finance for smallholder farmers: rethinking traditional microfinance risk and cost management approaches
Saved in:
| Main Author: | |
|---|---|
| Format: | Electronic eBook |
| Language: | English |
| Published: |
Stuttgart
Ibidem-Verlag
2015
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| Subjects: | |
| Online Access: | FLA01 |
| Item Description: | Online resource; title from PDF title page (EBSCO, viewed January 4, 2018) |
| Physical Description: | 1 online resource |
| ISBN: | 9783838267852 3838267850 |
Staff View
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| 505 | 8 | |a Even though traditional microfinance has successfully paved the way for offering financial services to low-income populations without traditional collateral, many microfinance institutions (MFIs) are still reluctant to move into rural areas and agricultural finance, due to the perceived high risks and costs. Daniela ROttger's research demonstrates how MFIs can mitigate risks and costs of lending to smallholder farmers by using a combination of proven traditional microfinance mechanisms while adapting specific loan features and lending mechanisms to the particularities of smallholder agriculture. She systematically compares traditional microfinance risk management mechanisms with agricultural microfinance approaches and identifies successful strategies. For this purpose, eight MFIs providing agricultural finance to smallholder farmers in four countries in East and West Africa (Uganda, Kenya, Benin, Cameroon) were interviewed and their loan features and agricultural lending mechanism were analyzed. The study shows that MFIs can successfully serve smallholder farmers in rural areas. However, the extent of adaptations is reason enough not to commit to such an endeavor lightly. A strong commitment combined with sound in-house knowledge of agricultural value chains and the flexibility to adapt loan terms and lending procedures to the particularities of agriculture are needed to successfully develop and sustain agricultural microfinance | |
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| author_facet | Rottger, Daniela |
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| contents | Even though traditional microfinance has successfully paved the way for offering financial services to low-income populations without traditional collateral, many microfinance institutions (MFIs) are still reluctant to move into rural areas and agricultural finance, due to the perceived high risks and costs. Daniela ROttger's research demonstrates how MFIs can mitigate risks and costs of lending to smallholder farmers by using a combination of proven traditional microfinance mechanisms while adapting specific loan features and lending mechanisms to the particularities of smallholder agriculture. She systematically compares traditional microfinance risk management mechanisms with agricultural microfinance approaches and identifies successful strategies. For this purpose, eight MFIs providing agricultural finance to smallholder farmers in four countries in East and West Africa (Uganda, Kenya, Benin, Cameroon) were interviewed and their loan features and agricultural lending mechanism were analyzed. The study shows that MFIs can successfully serve smallholder farmers in rural areas. However, the extent of adaptations is reason enough not to commit to such an endeavor lightly. A strong commitment combined with sound in-house knowledge of agricultural value chains and the flexibility to adapt loan terms and lending procedures to the particularities of agriculture are needed to successfully develop and sustain agricultural microfinance |
| ctrlnum | (ZDB-4-EBU)ocn948965533 (OCoLC)948965533 (DE-599)BVBBV045359667 |
| dewey-full | 338.13 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 338 - Production |
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| dewey-search | 338.13 |
| dewey-sort | 3338.13 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
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| id | DE-604.BV045359667 |
| illustrated | Not Illustrated |
| indexdate | 2024-07-10T08:15:57Z |
| institution | BVB |
| isbn | 9783838267852 3838267850 |
| language | English |
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| publishDate | 2015 |
| publishDateSearch | 2015 |
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| publisher | Ibidem-Verlag |
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| spelling | Rottger, Daniela Verfasser aut Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches Daniela Rottger Stuttgart Ibidem-Verlag 2015 1 online resource txt rdacontent c rdamedia cr rdacarrier Online resource; title from PDF title page (EBSCO, viewed January 4, 2018) Even though traditional microfinance has successfully paved the way for offering financial services to low-income populations without traditional collateral, many microfinance institutions (MFIs) are still reluctant to move into rural areas and agricultural finance, due to the perceived high risks and costs. Daniela ROttger's research demonstrates how MFIs can mitigate risks and costs of lending to smallholder farmers by using a combination of proven traditional microfinance mechanisms while adapting specific loan features and lending mechanisms to the particularities of smallholder agriculture. She systematically compares traditional microfinance risk management mechanisms with agricultural microfinance approaches and identifies successful strategies. For this purpose, eight MFIs providing agricultural finance to smallholder farmers in four countries in East and West Africa (Uganda, Kenya, Benin, Cameroon) were interviewed and their loan features and agricultural lending mechanism were analyzed. The study shows that MFIs can successfully serve smallholder farmers in rural areas. However, the extent of adaptations is reason enough not to commit to such an endeavor lightly. A strong commitment combined with sound in-house knowledge of agricultural value chains and the flexibility to adapt loan terms and lending procedures to the particularities of agriculture are needed to successfully develop and sustain agricultural microfinance BUSINESS & ECONOMICS / Industries / General bisacsh Agricultural credit fast Rural development / Finance fast Agricultural credit Africa, East Congresses Rural development Africa, East Finance Congresses |
| spellingShingle | Rottger, Daniela Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches Even though traditional microfinance has successfully paved the way for offering financial services to low-income populations without traditional collateral, many microfinance institutions (MFIs) are still reluctant to move into rural areas and agricultural finance, due to the perceived high risks and costs. Daniela ROttger's research demonstrates how MFIs can mitigate risks and costs of lending to smallholder farmers by using a combination of proven traditional microfinance mechanisms while adapting specific loan features and lending mechanisms to the particularities of smallholder agriculture. She systematically compares traditional microfinance risk management mechanisms with agricultural microfinance approaches and identifies successful strategies. For this purpose, eight MFIs providing agricultural finance to smallholder farmers in four countries in East and West Africa (Uganda, Kenya, Benin, Cameroon) were interviewed and their loan features and agricultural lending mechanism were analyzed. The study shows that MFIs can successfully serve smallholder farmers in rural areas. However, the extent of adaptations is reason enough not to commit to such an endeavor lightly. A strong commitment combined with sound in-house knowledge of agricultural value chains and the flexibility to adapt loan terms and lending procedures to the particularities of agriculture are needed to successfully develop and sustain agricultural microfinance BUSINESS & ECONOMICS / Industries / General bisacsh Agricultural credit fast Rural development / Finance fast Agricultural credit Africa, East Congresses Rural development Africa, East Finance Congresses |
| title | Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches |
| title_auth | Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches |
| title_exact_search | Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches |
| title_full | Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches Daniela Rottger |
| title_fullStr | Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches Daniela Rottger |
| title_full_unstemmed | Agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches Daniela Rottger |
| title_short | Agricultural finance for smallholder farmers |
| title_sort | agricultural finance for smallholder farmers rethinking traditional microfinance risk and cost management approaches |
| title_sub | rethinking traditional microfinance risk and cost management approaches |
| topic | BUSINESS & ECONOMICS / Industries / General bisacsh Agricultural credit fast Rural development / Finance fast Agricultural credit Africa, East Congresses Rural development Africa, East Finance Congresses |
| topic_facet | BUSINESS & ECONOMICS / Industries / General Agricultural credit Rural development / Finance Agricultural credit Africa, East Congresses Rural development Africa, East Finance Congresses |
| work_keys_str_mv | AT rottgerdaniela agriculturalfinanceforsmallholderfarmersrethinkingtraditionalmicrofinanceriskandcostmanagementapproaches |