Process

Maraichage Technical Card: BNDA Technical Assistance Project

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

French (PDF)

Irrigation Loan Credit Monitoring Tool from Nirdhan Utthan Bank

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

Nepali (PDF)

Mais Technical Card: BNDA Technical Assistance Project

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

Karite Technical Card: BNDA Technical Assistance Project

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

Dairy Loan Credit Monitoring Tool from Nirdhan Utthan Bank

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

Nepali (PDF)

Embouche Bovine Technical Card: BNDA Technical Assistance Project

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

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)

Pineapple Sector Document: BPR Technical Assistance Project

The pineapple 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,...

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)

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)

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)

Loan File Coversheet/Closing Checklist

Every loan file needs a good checklist to ensure that all the documentation required to support the loan is placed in the file in good order. Here we present a simple but useful example of the loan file coversheet.

English (PDF)

Collateral Considerations

Bank loan officers need to consider the type of collateral, and the questions to consider when evaluating different types of collateral, like residential or commercial property, equipment, vehicles, and other kinds of movable assets. This tool...

English (PDF)

Collateral Inspection Form

Here we present a simple form that a bank can use to properly record the valuation of collateral for borrowers.

English (PDF)

Agricultural Collateral Assessment Deed

This form is useful to record the location and value of goods in cases where the bank is lending against raw materials placed in a warehouse or other secured storage facility.

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)