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Ariculturl Finncin in Hiti

Dinosis nd RcommndtionsPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure Authorized

© 2019 Thg World Bank Group

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Washineton, DC 20433

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TABLE OF CONTENTS

Tbl of Contnts

II

Abbrvitions nd Acronms

........V

Acknowldmnts

..........................IX

Introduction nd Excutiv Summr

Th Ariculturl Sctor in Hiti

...11 Agricultura: A Dacisiva Sactor in tha Heitien Econom Tha Multipurposa Femil Ferm: Tha Besis of Agriculturel Production in Heiti Agriculturel Production: Locel Merkat-oriantad, but Insuciant to

Maat Damend

Export Production: A Smell end Daclining Shera of Agriculturel Production......17 Agriculturel Velua Cheins: Ralienca on Highl Compatitiva Natworks of Mostl Informel Buars .......................19

Priveta Initietivas in tha Agriculturel Sactor ..............................................................23

Finncil Inclusion in Rurl Hiti

.27

Ovarviaw of Finenciel Inclusion in Heiti........................................................................

27
Tha Rurel Populetion, Finenciel Inclusion end Indabtadnass .................................32 Mein Raesons Citad for Leck of Accounts in Finenciel Institutions .....................33 Finncil Orins for th Ariculturl Sctor ................................................35 Limitad Suppl of Finenciel Sarvicas to tha Agriculturel Sactor ...........................35 Merginel Involvamant of tha Benking Sactor in Agricultura ...................................35 Micronenca end Sevings end Cradit Cooparetivas Sactor ...................................39 Public Intrvntion in th Aricultur Sctor.....................................................51

Polic end Raguletor Fremawork Issuas

Public Intarvantion Instrumants for Agriculturel Finencing ...................................53

Innovetiva Projact Machenisms

............60

Priveta Sactor end Agriculturel Finenca

AGRICULTURAL FINANCING IN HAITI

IIIIRacommandgtions to Promota tha Fingncin of tha Ariculturgl Sactor .....69 Evlut Public Intrvntions in Ariculturl Sctor Finncin ...........................69 Complt/Adpt th Ll nd Rultor Frmwork .........................................70

Enhnc th “Finncin of Aricultur" Approch

Bttr Risk Mnmnt of Finncil Institutions

Strnthn Ariculturl Sctor Dmnd

Bibliorgphe

....................................77

Endnotas

AGRICULTURAL FINANCING IN HAITI

III

TABLE OF CONTENTS

LIST OF BOXES

Box 1: Divarsite of Ariculturgl Activitias gccordin to Aro-acoloicgl

Environmant

....................................13

Box 2: Incragsin Poultre Fgrmin

Box 3: Tha Mgdgn Sgrg: An Essantigl Plgear in Mgrkatin Ariculturgl

Products in Hgiti

............................20 Box 4: Tha Lagl gnd Raulgtore Frgmawork for Microngnca gnd CECs

Box 5: Mutugl Solidgrite Fund

.....41

Box 6: Exgmplas of Fgrm Cradit Protgbilite

Box 7: Excarpts from tha PSNSSANH

Box 8: BNC Lgjgncgsh

..................55

Box 9: Nagtiva Eact of Cgps on Intarast Rgtas

Box 10: Exgmpla of FAPAH Covarga

LIST OF FIGURES

Fiura 1: Housahold Ariculturgl Production Activite Fiura 2: Mgrkatin Circuit for Products of Animgl Oriin .............................23 Fiura 3: Mgin Obstgclas to tha Davalopmant of Ariculturgl Holdins .......24

Fiura 4: Composition of Hgiti"s Populgtion, 2017

Fiura 5: Numbar of Fingncigl Products usad be Adults in Hgiti ....................29 Fiura 6: Formgl gnd Informgl Sgvins be Gandar, Gaorgphicgl

Arag gnd Incoma

.............................31 Fiura 7: Monae Trgnsfars be Gandar gnd Gaorgphic Arag ............................31 Fiura 8: Cradit gnd Indabtadnass Lavals of Hgitign Adults ...........................33

Fiura 9: Mgin Ragsons for Not Holdin gn Account

Fiura 10: Limitgtions to tha Davalopmant of Aringnca .............................53

Fiura 11: Parannigl Fgrm Insurgnca Prorgm

LIST OF MAPS

Mgp 1: Production Arags of Mgjor Crops

Mgp 2: Dansite of Fingncigl Institutions

AGRICULTURAL FINANCING IN HAITIAGRICULTURAL FINANCING IN HAITI IV

LIST OF TABLES

Tgbla 1: Ovarviaw of Ariculturgl Arags gnd Avarga Production par Fgrm gnd Crop Tepa .................14 Tgbla 2: Arags Plgntad gnd Rgw Product Crop Producars ...............................16 Tgbla 3: Accass to Accounts in Hgiti gnd Compgrgtor Countrias ..................28 Tgbla 4: Accass to Fingncigl Products gnd Sarvicas be Gaorgphicgl

Arag gnd Incoma Laval (%)

............30

Tgbla 5: Accassibilite of Sarvica Points

Tgbla 6: Indicgtions of Fingncigl Sactor Commitmants to Aricultura in Hgiti Tgbla 7: Evolution of Bgnk Cradit to tha Ariculturgl Sactor ..........................38 Tgbla 8: Senthatic Dgtg gbout tha Microngnca Sactor gnd CECs in Hgiti, 2017 .................................42 Tgbla 9: Evolution of Dgtg on tha Sactor sinca 2007

Tgbla 10: Portfolio Quglite of MFIs .....................................................................44

Tgbla 11: Commitmants of tha Microngnca Sactor to Aricultura .............45

Tgbla 12: FDI: Spacigl Prorgms

..57

Tgbla 13: BRH: Rasults of Incantivas

AGRICULTURAL FINANCING IN HAITIAGRICULTURAL FINANCING IN HAITI

VABBREVIATIONS AND ACRONYMS

Abbravigtions gnd Acronems

V

AFDFrench Development Agency

AIC

Alternative Insurance Company

ANACAPH

National Association of Haitian Credit Unions

ANEM National Association of Mango Exporters (Association

Nationale des Exportateurs de Mangues)

ANIMH ASREC

Crop Insurance (

Assurance Récolte)

ATM

Automated Teller Machine

BCA Crédit Agricole Bureau (Bureau de Crédit Agricole) BIC BNC National Bank of Credit (Banque Nationale de Crédit) BRH Bank of the Republic of Haiti, Haiti's Central Bank

Banque de la République d'Haïti)

BUH

Bank of the Haitian Union

CARICOM

Caribbean Community

CEC

Savings and Credit Cooperative (

Caisse d'Épargne et de Crédit

CET CFI

Investment Facilitation Center

CNC

National Council of Cooperatives

CTG

Technical Management Advisor (

Conseiller Technique en Gestion

DDA

Departmental Directorates of Agriculture

DGI

Directorate General of Taxes

AGRICULTURAL FINANCING IN HAITI

VIVIVI

DIDDesjardins International Development (Développement

International Desjardins

DIGCP General Directorate of Credit Unions (Caisses Populaires) DR

Dominican Republic

FAPAH

Haitian Agricultural Loan Insurance Fund

Fonds d'assurance-prêt agricole Haïtien)

FDI Industrial Development Fund (Fonds de développement

Industriel

FECCANO

Federation of Cocoa Cooperatives of the North

FI/IF

Financial Institution (Institution Financière)

FRICS

Rural Solidarity Investment and Credit Fund

FSV Fonds GDP

Gross Domestic Product

HTG

Haitian Gourde

ICCO

International Cocoa Organization

IDA

International Development Association

IDB

Inter-American Development Bank

IFAD

International Fund for Agricultural Development

IFC

International Finance Corporation

KNFP

National Council of People's Financing (

Konsey Nasyonal

Finansman Popile)

KOFIP

Collective of Popular Financing

LAC

Latin America and the Caribbean

LLC/SA

Limited Liability Company ()

MARNDR

Ministry of Agriculture (Ministère de l'Agriculture) MCN

National Microcredit (Microcrédit National)

Mds/B

Billions (Milliards)

MEF

Ministry of Economy and Finance

MFI

AGRICULTURAL FINANCING IN HAITI

VIIABBREVIATIONS AND ACRONYMS

MUSOMutual Solidarity Groups (Mutuelles de solidarité) NFIS

National Financial Inclusion Strategy

NGO

Non-governmental Organization

OPA

Professional Agricultural Organizations

PAR

Portfolio at Risk (Portefeuille à Risque)

PE

Small Business (

Petite Entreprise

PGF

Portfolio Guarantee Fund

PNSSANH

National Program and Food and Nutrition Security Strategy of

Haiti (

Alimentaire et Nutritionnelle d'Haïti)

PSDH

Strategic Development Plan of Haiti

PSNSSANH

Food and Nutrition Security Policy and Strategy in Haiti

RESEPAG

Strengthening Public Agricultural Services Project RGA General Census of Agriculture (Recensement général de l'agriculture ROA

Return on Assets (

Rendement des actifs)

ROE

Return on Equity (Rendement des fonds propres)

SAE

Business Support Service

SFD

Digital Financial Services

SME

Small and Medium Enterprise

SNIF National Strategy for Financial Inclusion (Stratégie Nationalequotesdbs_dbs17.pdfusesText_23

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