Process

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)

Arachide Technical Card: BNDA Technical Assistance Project

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

Soja Technical Card: BNDA Technical Assistance Project

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

Livestock Credit Analysis Tool: BNDA Technical Assistance Project

The following documents includes guidelines and/or checklists for credit assessments and analysis.

SME Credit Analysis Tool _Livestock_BNDA_0.xlsx

Irish Potato Sector Document: BPR Technical Assistance Project

The Irish potato 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)

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)

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)

Agricultural Lending Guidelines

This tool presents an extended description of how to identify and evaluate a potential client. It is highly descriptive of the process that bank staff should go through to gather, organize, and analyze information from the farming household.

English (PDF)

Smallholder Agricultural Producers Application Form

This is an example of an application form that a bank could use for loans to smallholder producers. The application is comprehensive, yet concise.

English (PDF)

Loan Disbursement Strategy

This worksheet helps a loan officer to plan out a customer’s loan disbursements, providing an example to illustrate proper loan timing of loan tranches and disbursement.

English (PDF)