Process

Irrigation Loan Credit Appraisal Tool from Nirdhan Utthan Bank

The following document contains a credit appraisal tool that can be adapted and utilized by financial institutions to appraise irrigation loans.

Nepali (PDF)

Embouche Bovine Technical Card: BNDA Technical Assistance Project

The following technical card includes a detailed agronomic description for the specified commodity.

Farm Equipment Loan Credit Appraisal Tool from Nirdhan Utthan Bank

The following document contains a credit appraisal tool that can be adapted and utilized by financial institutions to appraise farm equipment loans.

Nepali (PDF)

Coton Technical Card: BNDA Technical Assistance Project

The following technical card includes a detailed agronomic description for the specified commodity.

Crop Loan Credit Appraisal Tool from Nirdhan Utthan Bank

The following document contains a credit appraisal tool that can be adapted and utilized by financial institutions to appraise crop loans.

Nepali (PDF)

Banane Technical Card: BNDA Technical Assistance Project

The following technical card includes a detailed agronomic description for the specified commodity.

Dairy Loan Credit Appraisal Tool from Nirdhan Utthan Bank

The following document contains a credit appraisal tool that can be adapted and utilized by financial institutions to appraise dairy loans.

Nepali (PDF)

Bean Sector Document: BPR Technical Assistance Project

The bean sector lending document discusses the characteristics, production volume, and relevant national facts and figures of the commodity. The sector note also describes the value chain linkages (from production to market), arrangement, activities...

English (PDF)

Agricultural Lending: Marketing Strategies

Once a bank decides to enter the market for agricultural lending, the senior management will need a marketing strategy to reach the bank’s target clientele and distinguish itself from competitors.  This tool will help the management think through...

English (PDF)

Agricultural Lending: Competitive Position Analysis

This simple template provides a tool to organize and compare different agricultural lending competitors in the following categories:  product features, product prices, promotion and positioning approaches, and loan processes.

English (PDF)

SWOT Analysis for Potential Agricultural Lenders

This tool provides a simplified example of how a bank can present strengths, weaknesses, opportunities, and threats related to agricultural lending. 

English (PDF)

Developing an Agricultural Lending Business: Market Research Requirements

This tool presents a matrix of questions and issues to help guide a bank’s thinking about how to build an agricultural lending business.  Questions are organized around key themes, including the state of the market, activities of competitors, needs...

English (PDF)

Indicative Scope of Work for Agricultural Market Assessment

Once a bank has decided to take a more in-depth look into the market for agricultural lending, this tool helps a bank to prepare for a thorough assessment, which may involve hiring outside experts.  

English (PDF)

Agricultural Lending Unit: Business Plan Structure

Once a bank has completed its market assessment and has decided to build an agricultural lending business, the management will need to prepare an agricultural lending unit’s business plan.  This tool provides the detailed outline for that business...

English (PDF)

Product Sheets

Banks summarize product information on a product sheet, and here we present several agricultural product sheets showing key loan information, including size limits, tenor, acceptable collateral coverage, repayment criteria, interest rates and fees....

Product Sheets.pdf

Risk Rating System: Basic Structure

Here we share a very basic risk rating system developed by a bank to develop a risk score for each customer.  This tool goes into significant detail about the aspects of a customer’s business that need to be analyzed, and suggest numerical ratings...

English (PDF)

Agricultural Lending Unit: MIS Data Reporting Needs

This tool is basically a list of the types of information that a bank’s MIS must capture in order to develop a clear picture of the efficiency and profitability of the agricultural lending unit.

English (PDF)

The “Five Cs” of Credit Analysis

This is a brief note providing an overview of the core concepts related to credit analysis, referred to as the “Five Cs”, including:   Capacity, Capital, Collateral, Conditions, and Character.  

English (PDF)

Map of the Loan Process

The mobile procedures manual describes process flow for bank staff.

English (PDF)

The Lending Process: Step-by-Step

This matrix helps loan officers to consider all of the steps in the lending process, starting with identification of new customers through loan approval to loan monitoring.   

English (PDF)

Client Screening Form

This is a very simple template that shows a series of criteria used to pre-screen loan applicants.

English (PDF)