Process

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)

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.

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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)