Process

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.

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)

Karite 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)

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)
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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)