Publication:
Access to Finance for Smallholder Farmers

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dc.contributor.authorInternational Finance Corporation
dc.date.accessioned2015-04-02T20:27:10Z
dc.date.available2015-04-02T20:27:10Z
dc.date.issued2014
dc.description.abstractThe 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.en
dc.description.abstractLos productores agropecuarios en los países en desarrollo, especialmente en los países de ingreso bajo, se enfrentan a una serie de barreras, como la baja productividad, el acceso limitado a los mercados para sus productos, la falta de productos y servicios adecuados de gestión del riesgo y el acceso limitado a financiamiento. El objetivo del estudio de la Corporación Financiera Internacional (IFC) es identificar y divulgar las lecciones derivadas del trabajo de las instituciones microfinancieras (IMF) que han implementado operaciones para pequeños productores agropecuarios en América Latina y el Caribe (ALC), con el fin de promover la replicación y la expansión de estrategias que se puedan ampliar. Se eligió a la región de ALC para este estudio por su historial de innovación y liderazgo en la industria microfinanciera, la madurez de esta industria en muchos países de la región y el número de ejemplos de IMF que se han expandido más allá de los mercados urbanos para atender a más clientes rurales, en comparación con otras regiones. Mediante esta investigación, el IFC pretende entender las motivaciones de las IMF que se aventuran en el financiamiento de actividades agropecuarias, y cómo han estructurado e implementado los productos que ofrecen, con especial atención a los programas y los productos de financiamiento de actividades agropecuarias diseñados para pequeños productores en cadenas de valor no estructuradas y productores no comerciales (de subsistencia).es
dc.identifierhttp://documents.worldbank.org/curated/en/2014/01/24161177/access-finance-smallholder-farmers-learning-experiences-microfinance-institutions-latin-america
dc.identifier.doi10.1596/21679
dc.identifier.urihttps://hdl.handle.net/10986/21679
dc.languageEnglish
dc.language.isoen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.holderInternational Finance Corporation
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO FORMAL CREDIT
dc.subjectACCESS TO MARKETS
dc.subjectACCESS TO TECHNICAL ASSISTANCE
dc.subjectACCOUNTING
dc.subjectACCOUNTS RECEIVABLES
dc.subjectAGRICULTURAL ACTIVITIES
dc.subjectAGRICULTURAL ACTIVITY
dc.subjectAGRICULTURAL COMMODITIES
dc.subjectAGRICULTURAL CREDIT
dc.subjectAGRICULTURAL DEVELOPMENT BANKS
dc.subjectAGRICULTURAL FINANCE
dc.subjectAGRICULTURAL INCOME
dc.subjectAGRICULTURAL LOAN
dc.subjectAGRICULTURAL LOANS
dc.subjectAGRICULTURAL MARKET
dc.subjectAGRICULTURAL PRODUCTS
dc.subjectAGRICULTURAL SECTOR
dc.subjectAGRICULTURE ORGANIZATION
dc.subjectALTERNATIVE COLLATERAL
dc.subjectATM NETWORKS
dc.subjectBANK ACCOUNT
dc.subjectBANK BRANCH
dc.subjectBANK BRANCHES
dc.subjectBANK LENDING
dc.subjectBANKING SYSTEM
dc.subjectBANKING SYSTEMS
dc.subjectBANKS
dc.subjectBONDED WAREHOUSES
dc.subjectBORROWER
dc.subjectBUSINESS OPPORTUNITIES
dc.subjectCASH FLOW
dc.subjectCASH FLOW ANALYSES
dc.subjectCASH FLOW ANALYSIS
dc.subjectCASH FLOWS
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMERCIAL CREDIT
dc.subjectCOMMERCIAL FARMER
dc.subjectCOMMERCIAL FARMERS
dc.subjectCOMMERCIAL LENDING
dc.subjectCOMMERCIAL LOAN
dc.subjectCOMMERCIAL LOANS
dc.subjectCONFLICTS OF INTEREST
dc.subjectCOOPERATIVES
dc.subjectCREDIT ANALYSIS
dc.subjectCREDIT APPLICATION
dc.subjectCREDIT ASSESSMENT
dc.subjectCREDIT BANKS
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT OFFICER
dc.subjectCREDIT OFFICERS
dc.subjectCREDIT POLICIES
dc.subjectCREDIT PRODUCT
dc.subjectCREDIT PRODUCTS
dc.subjectCREDIT RATINGS
dc.subjectCREDIT RISK
dc.subjectCREDIT RISK ASSESSMENT
dc.subjectCREDIT SCORING
dc.subjectCREDITS
dc.subjectCREDITWORTHINESS
dc.subjectCROP INSURANCE
dc.subjectCUSTOMER BASE
dc.subjectCUSTOMER SERVICE
dc.subjectDEBIT CARDS
dc.subjectDEBT
dc.subjectDEFAULT RATES
dc.subjectDELINQUENCY RATE
dc.subjectDELINQUENCY RATES
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDIRECTED CREDIT
dc.subjectDISBURSEMENT
dc.subjectDIVERSIFICATION
dc.subjectDIVERSIFIED INCOME
dc.subjectDIVERSIFIED INCOMES
dc.subjectDONOR SUPPORT
dc.subjectDOUBLE BOTTOM LINE
dc.subjectDUE DILIGENCE
dc.subjectECONOMIC ACTIVITY
dc.subjectEMERGING MARKETS
dc.subjectENABLING ENVIRONMENT
dc.subjectEQUIPMENT
dc.subjectFAMILIES
dc.subjectFINANCE COMPANIES
dc.subjectFINANCIAL EDUCATION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL PRODUCT
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL SELF-SUFFICIENCY
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFIXED ASSET
dc.subjectFIXED ASSETS
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectFORMS OF COLLATERAL
dc.subjectFUNGIBLE
dc.subjectGROUP LENDING
dc.subjectGROUP-LENDING
dc.subjectGROWTH OPPORTUNITIES
dc.subjectGUARANTEE REQUIREMENTS
dc.subjectGUARANTOR
dc.subjectHOUSEHOLDS
dc.subjectHUMAN RESOURCES
dc.subjectINDEBTEDNESS
dc.subjectINDIVIDUAL LOANS
dc.subjectINFORMATION SYSTEM
dc.subjectINFORMATION SYSTEMS
dc.subjectINSURANCE PRODUCTS
dc.subjectINTEREST PAYMENTS
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL DEVELOPMENT
dc.subjectINTERNATIONAL FINANCE
dc.subjectINVENTORIES
dc.subjectINVESTING
dc.subjectJOINT LIABILITY
dc.subjectJOINT-LIABILITY
dc.subjectJOINT-LIABILITY GROUPS
dc.subjectLACK OF AWARENESS
dc.subjectLEGAL TITLE
dc.subjectLENDER
dc.subjectLENDERS
dc.subjectLENDING PORTFOLIO
dc.subjectLENDING PORTFOLIOS
dc.subjectLIFE INSURANCE
dc.subjectLIMITED ACCESS
dc.subjectLIMITED ACCESS TO FINANCE
dc.subjectLOAN
dc.subjectLOAN AMOUNTS
dc.subjectLOAN APPLICATION
dc.subjectLOAN APPLICATIONS
dc.subjectLOAN CLASSIFICATION
dc.subjectLOAN OFFICER
dc.subjectLOAN OFFICERS
dc.subjectLOAN OFFICES
dc.subjectLOAN PAYMENTS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PORTFOLIOS
dc.subjectLOAN PROCESSING
dc.subjectLOAN PRODUCT
dc.subjectLOAN PRODUCTS
dc.subjectLOAN REPAYMENT
dc.subjectLOAN REPAYMENTS
dc.subjectLOAN SIZE
dc.subjectLOAN SIZES
dc.subjectLOAN TERM
dc.subjectLOAN TERMS
dc.subjectLOCAL MARKETS
dc.subjectLONG-TERM FINANCE
dc.subjectLONG-TERM LENDING
dc.subjectMARKET CONDITIONS
dc.subjectMARKET ENVIRONMENT
dc.subjectMARKET RISKS
dc.subjectMARKET SEGMENTATION
dc.subjectMATURITY
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICRO ENTREPRENEURS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMOBILE PHONE
dc.subjectMOBILE PHONES
dc.subjectMOVABLE ASSETS
dc.subjectMOVABLE PROPERTY
dc.subjectNEW MARKET
dc.subjectNON-PERFORMING LOANS
dc.subjectNPL
dc.subjectOUTREACH
dc.subjectPARTIAL GUARANTEE
dc.subjectPORTFOLIO DIVERSIFICATION
dc.subjectPORTFOLIO PERFORMANCE
dc.subjectPORTFOLIO QUALITY
dc.subjectPRINCIPAL PAYMENTS
dc.subjectPROFIT MARGIN
dc.subjectPROFITABILITY
dc.subjectREPAYMENT
dc.subjectREPAYMENT ARRANGEMENTS
dc.subjectREPAYMENT CAPACITY
dc.subjectREPAYMENT HISTORY
dc.subjectREPAYMENT SCHEDULES
dc.subjectRESERVE
dc.subjectRETURN
dc.subjectRETURN ON ASSETS
dc.subjectRISK AVERSION
dc.subjectRISK FACTORS
dc.subjectRISK MANAGEMENT
dc.subjectRISK MANAGEMENT STRATEGIES
dc.subjectRISK MITIGATION
dc.subjectRISK PROFILES
dc.subjectRISK SHARING
dc.subjectRURAL BANK
dc.subjectRURAL BANKING
dc.subjectRURAL CLIENTS
dc.subjectRURAL MARKETS
dc.subjectSAVINGS
dc.subjectSECURITIES
dc.subjectSMALLHOLDER
dc.subjectSMALLHOLDER FARMERS
dc.subjectSMALLHOLDERS
dc.subjectSOLIDARITY GROUP LENDING
dc.subjectSOURCE OF INCOME
dc.subjectSOURCES OF INCOME
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTERM DEPOSITS
dc.subjectTRANSACTION
dc.subjectTRANSACTION COSTS
dc.subjectTRANSPORTATION SERVICE
dc.subjectURBAN AREAS
dc.subjectWAREHOUSE
dc.subjectWAREHOUSE RECEIPTS
dc.subjectWAREHOUSES
dc.subjectWORKING CAPITAL
dc.titleAccess to Finance for Smallholder Farmersen
dc.titleAcceso a las finanzas para pequeños productores agropecuarios : lecciones de las experiencias de instituciones microfinancieras en América Latinaes
dc.title.alternativeAcceso a las finanzas para pequenos productores agropecuarios : lecciones de las experiencias de instituciones microfinancieras en America Latinaen
dc.title.alternativeLearning from the Experiences of Microfinance Institutions in Latin Americaen
dc.title.alternativeAcceso a las finanzas para pequenos productores agropecuarios : lecciones de las experiencias de instituciones microfinancieras en America Latinaes
dc.typeWorking Paperen
dc.typeDocument de travailfr
dc.typeDocumento de trabajoes
dspace.entity.typePublication
okr.date.disclosure2015-03-17
okr.date.doiregistration2025-05-05T12:41:39.694913Z
okr.doctypePublications & Research
okr.doctypePublications & Research::Working Paper
okr.docurlhttp://documents.worldbank.org/curated/en/2014/01/24161177/access-finance-smallholder-farmers-learning-experiences-microfinance-institutions-latin-america
okr.globalpracticeFinance and Markets
okr.guid965771468272366367
okr.guid229791468222870138
okr.identifier.externaldocumentum000442464_20150317115540
okr.identifier.internaldocumentum24161177
okr.identifier.report94905
okr.language.supporteden
okr.language.supportedes
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/03/17/000442464_20150317115540/Rendered/PDF/949050WP0Box3800English0Publication.pdfen
okr.pdfurlhttp://documents.worldbank.org/curated/en/229791468222870138/pdf/949050WP0SPANI00Spanish0Publication.pdfes
okr.region.administrativeLatin America and Caribbean
okr.region.countryColombia
okr.region.countryDominican Republic
okr.region.countryPeru
okr.region.geographicalLatin America
okr.topicAgriculture::Agricultural Sector Economics
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicFinance and Financial Sector Development::Banks & Banking Reform
okr.topicFinance and Financial Sector Development::Financial Intermediation
okr.topicFinance and Financial Sector Development::Microfinance
okr.txturlhttp://documents.worldbank.org/curated/en/229791468222870138/text/949050WP0SPANI00Spanish0Publication.txtes
okr.unitFinance & Markets - GP - IFC (GFMDR)
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