Tuesday, 31 December 2013

Kenya's smallholder farmers use grain stores to raise bank loans

By Isaiah Esipisu
A woman prepares grains at her shop in Kenya (REUTERS)


NAKURU, Kenya (Thomson Reuters Foundation) – An innovative Kenyan scheme enables small farmers to store their produce in certified warehouses and use it to obtain credit from banks, avoiding middlemen who paid them rock-bottom prices and enabling them to buy good seeds and fertiliser and raise their yields.

“Brokers have always been a thorn in the flesh of  poor farmers because they take advantage of the harvesting season to purchase farm produce very cheaply, then sell (inputs) to the farmers very expensively when such commodities are scarce in the market,” said Paddy Likhayo, a Kenyan-based grain storage expert.


Joseph Karanja, a smallholder farmer in Kenya’s Rift Valley region, said prices of farm produce, especially cereals, are always very low at harvest time and very high during the planting season, making it impossible for poor farmers to buy farm inputs at the right time.

“Sometimes we end up planting without fertilisers because we cannot afford it, or at times we plant when it is too late because we did not get the finances in good time,” Karanja told Thomson Reuters Foundation.

Experts say that a one-week delay in planting can reduce a crop’s yield by more than 50 percent, and Peter Njau, a research scientist at the Kenya Agricultural Research Institute (KARI) , says late planting because of financial problems is one of the main reasons for poor yields among small farmers.

To bridge this gap, the Eastern Africa Grain Council (EAGC), in collaboration with the Alliance for Green Revolution in Africa (AGRA) and selected commercial banks, is supporting farmers by letting them store their cereals in certified warehouses and use the warehouse receipts as collateral for loans to finance their farming activities.

The process is known as a ‘Structured Grain Trading System,’ said EAGC Executive Director Gerald Masila, “This is a business venture for smallholder farmers. Those who tried it at first two years ago have already become self sustaining and can obtain loans without our support.”

Many Kenyan smallholders do not produce enough to make up a consignment of 100 tonnes, the minimum required by standard EAGC warehouses, so they form groups and deliver their cereal together. In exchange, they receive a warehouse receipt which they can present to a bank as collateral for a loan.

“In January 2011, we stored 113 (90kg) bags of maize at Lesiolo Grain Handlers and used the warehouse receipt to acquire a bank loan of Sh200,000  ($2,500). This enabled us to prepare our pieces of land in good time, buy the required farm inputs in advance, and plant on time without having sold our produce to brokers,” said Lydia Njoroge Gichuma, chairwoman of the 25-member Mwihoko Self Help Group in Nakuru, in the Rift Valley.

“That was the first bank loan of my life,” said Gichuma, a mother of four.

Lesiolo Grain Handlers Ltd is a private company that has joined the warehouse receipting system.

Lending money to smallholders, particularly farmers, has always been a challenge because shifting climatic conditions and emergencies in the form of pests and disease mean there is no guarantee the crops will perform as expected, says Nixon Bugo, the Programme Officer, Innovative Finance, Policy and Partnership Programme at AGRA.

Gichuma’s self-help group sold their grain in April, when the price had risen to Sh3,600 per bag from Sh2,200 in December. “This enabled us to pay off the bank loan at once, pay the warehouse charges and divide the remaining amount among ourselves depending on the amount of cereal stored by each individual,” she said.

They now have another crop growing, which they expect to harvest soon, and take to the warehouse in January 2014.

Another group, the Kirima Self Help Group, deposited 111 bags of maize at Lesiolo in 2012, and withdrew it after the price appreciated.

“The warehouse system reduces many risks because once the grain is stored, we do not worry about it being attacked by pests or aflatoxins, or being stolen. There is always a guarantee that we will get back our grain as indicated on the receipt whenever we need it,” said David Kamau Thuo, of Kirima SHG in Menengai, Nakuru.

So far the EAGC has certified 10 warehouses with a capacity of 30,000 tonnes each in different parts of the country.

Masila says that banks and related financial institutions are crucial to the scheme. “Their willingness to accept warehouse receipts as collateral is an important achievement for smallholder farmers,” he said, as it enables them to plant in good time and get better yields.

 The UN Food and Agriculture Organization (FAO)’s Gender and Development Plan of Action underscores the importance of financial capital for farmers to improve production. “Buying seeds, fertilisers and other agricultural inputs often requires short-term loans, which are repaid when the crops are harvested,” the report reads.

“With innovative financing, many banks are already changing their perception about giving credit to smallholder farmers. And that is the way to go, if we are to achieve a green revolution in Africa,” said Bugo of AGRA.

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  18. Ofrecemos Préstamos Privados, Comerciales y Personales con tasas de interés anuales mínimas tan bajas como el 3%. Otorgamos préstamos dentro del rango de $ 1,000.00 a $ 500,000.00. Si está interesado, respondame ahora. Contáctenos en whatsapp +1(214)305-8945, correo electrónico: willianloanfirm6@gmail.com

    ReplyDelete
  19. Hello,

    Let me take this opportunity to introduce our services.

    We are United State based Financial Facilitating company with in-house team "CAPITAL CITY LOAN & JEWELRY” approves loans from maximum amount of 75,000,000.00 to a minimum amount of 20,000.00 and we give out our Loan in USD ($), GBP (£) Or Euro (€). Offering the requested loan amount is not a problem if you are in agreement with the loan terms and conditions and as such follow the loan procedures

    Please have a look at following services.
    1. High-quality Financial Solution
    2. Mobile application development
    3. Home Loans, Secured and Unsecured Loan, Long-SHORT Term Loan.

    Contact Email: Email: capitalcityloan@live.com


    Please let me know your requirement to apply for loan, with 2% interest rate. So I can provide you solution accordingly.

    Best Regards,
    Capital City loan & Jewelry

    whatsapp : +1 862-621-9274
    +1 951-366-0152, Ext. 1882
    (Segment Representative/Financial Affairs, Capital City loan & Jewelry Placement Network)

    ReplyDelete

  20. XMAS LOAN!!

    Good Day.

    We are Christian Organization formed to help people in needs of
    helps,such as financial help,So if you are going through financial
    difficulty or you are in any financial mess,and you need funds to
    start up your own business,or you need Loan to settle your debt or pay
    off your bills,start a nice business, or you are finding it hard to
    obtain capital loan from local banks, for the bible says””Luke 11:10
    Everyone who asks receives; he who seeks finds; and to him who knocks,
    the door will be opened”so do not let these opportunity pass you by
    because Jesus is the same yesterday, today and forever more,Please
    these is for serious minded and God fearing People.

    Text or Call +1-586-331-5557
    Contact (Jacksonwaltonloancompany@gmail.com)

    You are advise to fill and return the Details below..

    LOAN APPLICATION FORM

    Name of applicant:…………….
    Country:…………………………..
    Occupation:………………………
    Sex:…………………………………
    Purpose of loan:………………..
    Age:………………………………..
    Phone:…………………………….
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    Loan Duration:…………………
    Monthly income:………………
    Have You Applied For A Loan Before?
    +1-586-331-5557 Text or Call
    Email Us On (Jacksonwaltonloancompany@gmail.com)

    ReplyDelete
  21. Do you need Personal Loan?
    Business Cash Loan?
    Unsecured Loan
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    Approvals within 8-10 Hours?
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    Contact Us At: standardonlineinvestment@gmail.com

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
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    LOAN APPLICATION FORM:
    =================
    Full Name:................
    Loan Amount Needed:.
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    Monthly Income:....Contact Us At: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete
  22. Dear Customers.

    We invite you all to participate in our new business and project funding program, We are currently funding for Business start-up Business developments, Business acquisition Business expansion, Project funding and Working capital etc.

    This Funding program allows a client to enjoy 3% low interest rate and payback period of 1 to 35 years. We can approve a loan/funding for up to $500,000,000.00 or more depending on the nature of business we are currently funding for and we satisfy our customers’ financial needs and help them succeed

    Application Available
    Apply via email: standardonlineinvestment@gmail.com

    ReplyDelete
  23. I am a person who offers loans to the national. With capital that will be used to grant loans between short-term and long-term individuals ranging from $5, 000 to $500,000,000 all the serious people being in the real needs, the interest rate is 3% over the entire repayment period. I make loans Financial in all areas. I am available to satisfy my customers within 24hours, see 1 day after your application send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply. 
    Regards, 
    Muqse

    ReplyDelete



  24. My name is Mr.William. I live in Berlin Germany and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will
    refer any person that is looking for loan to
    him,

    They gave happiness to me and my family, i was in need of a loan of €50,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD
    fearing company that help me with a loan of € 50,000.00 Euro with interest rate of 3% ,They are GOD fearing

    If you are in need of loan and you are sure you will pay back the loan please contact them On europeaninsurancecompany@gmail.com or whatsapp/call : +393510747468 And they are located in the European part of the world.

    ReplyDelete
  25. Hello friends!!! am a citizen of USA. i want to testify of the good Loan Lender who showed light to me after been scammed by 6 different Internet international lenders, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result.i lost my hard earn money and it was a total of 5,000USD. One day as i was browsing through the internet looking fraudsters when i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Houston loan firm (Houstonloanfirm@yahoo.com)where he finally got his loan,so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to course me more pain.I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them.so i filled the loan application form that was given to me and proceeded with all that was requested of me and I was given a loan amount of $100,000.00 Dollars by this great Company (Houston loan firm} managed by Mr.Houston, and here i am today happy because Houston loan firm has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan.Do you need a loan urgently? kindly and quickly contact Houston loan firm now on there via email address Houstonloanfirm@yahoo.com

    ReplyDelete
  26. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
    Thanks and look forward to your prompt reply.
    Regards,
    Muqse

    ReplyDelete
  27. Good Day,

    We are a legitimate and reputable money lender. We lend money to individuals who need financial support, we give loans to people who have a bad credit or in need of money to pay their bills to invest on business. So do you search for an urgent loan? You do not have to worry because you are in the right place we offer loans at low interest rate of 3% so if you are in need of a loan you are just expected to contact us via this email address: mobilfunding1999@gmail.com

    LOAN APPLICATION INFORMATION NEEDED FROM YOU ..

    1) Full names: ............
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    6) Occupation: ..............
    7) Monthly income: ......
    8) Loan Amount Required: .....
    9) Loan term: ...............
    10) Purpose of the loan: ...........

    Thanks

    ReplyDelete
  28. Hello Everybody, here comes an Affordable loan Offer that will change your life forever, TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY My name is Mrs Clency Dexter. I live in USA Florida and i am a happy woman today? I told my self that any Loan lender that could change my Broke Life and that of my family, i will refer any person that is looking for loan to Them. They gave happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $250,000.00 U.S. Dollar, They are indeed GOD fearing People, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Clency referred you to them. contact via E_mail:
    happyday99loanfirm@gmail.com

    ReplyDelete
  29. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
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    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
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    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Scott james

    Email : Inquiry.securedfunding@gmail.com
    Skype: Inquiry.securedfunding@gmail.com

    ReplyDelete
  30. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
    Contact Name : Blaine Lorcan
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    WhatsApp:+1(408)290-8281

    ReplyDelete
  31. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    Dear Sir/Ma,
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  32. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : inquiry.securedfunding@gmail.com

    ReplyDelete
  33. Do you need a loan? If yes! Contact FIFO Capitals and Mortgages Limited ® for small and large loans. We give out loans at 2% interest rate. Contact us today via E-mail at,,,((FIFOCapitals@gmail.com)),,, We also give out from. £5 thousand Pounds to 100 million Pounds for individuals and companies, the credit is open to all regardless of nationality....

    ReplyDelete

  34. Do you need a loan? If yes! Contact FIFO Capitals and Mortgages Limited ® for small and large loans. We give out loans at 2% interest rate. Contact us today via E-mail at,,,(( FIFOCapitals@gmail.com )),,, We also give out from. £5 thousand Pounds to 100 million Pounds for individuals and companies, the credit is open to all regardless of nationality....

    ReplyDelete