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Centre International de

Développement et de Recherche

Centre International de

Développement et de Recherche

Financing smallholder farmers using

Value Chain Finance methodology

Experience of PRIDE Tanzania Rural Finance Windows

Paul Picot September 2010

Publication UNGANA 13

16

± © CIDR

± Tous droits de reproduction réservés

CIDR CASE STUDY

Paul Picot September

2010

Financing smallholder

farmers using value chain finance methodology.

Experience of PRIDE

Tanzania Rural Finance

Windows

2

Table of contents

List of acronyms............................................................................................................................................. 3

I) Background................................................................................................................................................. 4

II) The concept of Agricultural Value Chain Financing .................................................................................. 5

III) Product developed for the paprika value chain ....................................................................................... 6

IV) Products developed for the other value chains (rice and onion) .......................................................... 12

V) Results achieved...................................................................................................................................... 12

VI) Lessons learnt ........................................................................................................................................ 14

APPENDIXES ................................................................................................................................................. 17

3

List of acronyms

ABO Agri Business Officer

CC Cash Collateral

CIDR Centre International de Développement et de Recherche

DEC Data Entry Clerk

LIF Loan Insurance Fund

MFI MicroFinance Institution

PAR Portfolio At Risk

PRIDE Promotion of Rural Initiative and Development Enterprises

RFO Rural Finance Officer

RFW Rural Finance Window

SML Subvillage Microfinance Leader

TMSP Technical and Marketing Services Provider

Tsh Tanzanian Shilling (1 USD = 1 300 Tsh as of 31/12/2009)

VCF Value Chain Finance

4

I) Background

The CIDR Eastern Africa Rural Microfinance Program The Participative Microfinance Development Project implemented by CIDR in Tanzania is part of a larger program aiming at contributing to the development of Rural Microfinance in three countries in Eastern Africa (Ethiopia, Kenya and Tanzania), within the wider objective of promoting financial inclusion. Provision of financial services to the poor by Microfinance Institutions in these three countries has been an effective way to alleviate poverty, by enhancing economic initiatives during the past decade. Nevertheless, due to methodological constraints, major financial intermediaries have been focusing on serving micro entrepreneurs in urban and peri urban areas first, leaving the rural households by and large underserved. Reaching poor clients in

the rural areas is indeed constrained by the specific high risks and costs related to this

market, especially for smallholder agriculture financing.

This program is based on three assumptions:

One assumption is that participation of the clients in the design and delivery of the financial services is a key factor to facilitate the sustainability of the systems set up, through ownership, adaptation of the services to the needs of the clients and reduction of the operational costs. A second assumption is that, instead of creating new institutions for the rural areas, the most effective way to expand rural financial services to rural households is to assist existing urban or peri ± urban based Financial Intermediaries to adopt SMUPLŃLSMPRU\ PHPORGRORJLHV MQG GHYHORS ³UXUMO ILQMQŃH RLQGRRV´ RLPO VRXQG institutional and financial linkages with communities and farmers groups. A third assumption is that the provision of adequate financial services to the rural SRRU VXSSRVHV M VHJPHQPMPLRQ RI POH UXUMO PMUNHPV IURP POH ³PUMGLPLRQMO´ UXUMO KRXVHKROG WR WKH quotesdbs_dbs42.pdfusesText_42

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