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Farmers Financial Litracy Program

Farmers Financial Litracy Program. Pathway to Streamline lending process Mahmood Nawaz Shah. Current Scenario. Understanding Processes. Outreach. Design of Literacy. Presentation. Current Scenario. Agricultural Economy US $ 50 Billion. Formal Credit US $ 5 Billion.

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Farmers Financial Litracy Program

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  1. Farmers Financial Litracy Program Pathway to Streamline lending process Mahmood Nawaz Shah

  2. Current Scenario Understanding Processes Outreach Design of Literacy Presentation

  3. Current Scenario • Agricultural Economy US $ 50 Billion. Formal Credit US $ 5 Billion. • 2.15 million borrowers against 8.3 million farming house holds. • Share of agri-advances is 5.7% out of the total portfolio of banks. • Credit starved • The gap is filled by informal creditors with interest rate ranging from 50% to 80%.

  4. Process Board of Revenue Banks Form 7 Pass Book Pass Book Verification Reverification Lack of expertise Application Process

  5. Design of Literacy • Where and what. • Types of financing, when to use what. • Processing time, and deadlines. • Timing. • Relationship building. • Complaints and feedback. • Text Messages.

  6. Conclusion • Credit should be available. • Literacy programs should prepare the farmers to sustain process. • Mix of platforms & media.

  7. Thank you!

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