|
|
| (One intermediate revision by one user not shown) |
| Line 1: |
Line 1: |
| − | {{SPIS Finance}} | + | {{Spis Invest}} |
| | {| cellpadding="1" | | {| cellpadding="1" |
| | |- | | |- |
| Line 18: |
Line 18: |
| | *'''When? '''Range of loan period (years); repayment frequency (months); disbursement in tranches;<br/> | | *'''When? '''Range of loan period (years); repayment frequency (months); disbursement in tranches;<br/> |
| | *'''Interest rate? '''From ..x..% p.a. to ..x..% p.a. (range); | | *'''Interest rate? '''From ..x..% p.a. to ..x..% p.a. (range); |
| − | *'''Collateral? '''Equipment, mortgages, additional collateral (guarantee scheme), non-traditional collateral (future harvest, warehouse), leasing scheme with equipment providers. | + | *'''Collateral? '''Equipment (Solar Pumpset), mortgages, additional collateral (guarantee scheme), non-traditional collateral (future harvest, warehouse), leasing scheme with equipment providers. |
| | | | |
| | '''Loan products for financing SPIS usually:''' | | '''Loan products for financing SPIS usually:''' |
| Line 25: |
Line 25: |
| | *need alternative guarantee schemes / unconventional collateral; | | *need alternative guarantee schemes / unconventional collateral; |
| | *have higher interest rate payments due to higher credit risk and long investment period; | | *have higher interest rate payments due to higher credit risk and long investment period; |
| − | *focus on innovative clients, usually investing in high(er) value crops; | + | *focus on innovative and progressive borrowers, investing in high(er) value crops; |
| | *should be strictly oriented towards water capacity available and the farm’s specific requirements; | | *should be strictly oriented towards water capacity available and the farm’s specific requirements; |
| | *use no blueprint; every farm / enterprise is unique! | | *use no blueprint; every farm / enterprise is unique! |
| Line 35: |
Line 35: |
| | *group financing approaches for producer groups; | | *group financing approaches for producer groups; |
| | *public subsidies and sponsoring; | | *public subsidies and sponsoring; |
| − | *favorable refinancing options for the financial institution (e.g. subsidized interest rates offered by donors/public entities). | + | *favorable refinancing options for the financial institutions (e.g. subsidized interest rates offered by donors/public entities). |
| | | | |
| | In order to '''overcome the information gap '''in respect of the new technology, introduce additional activities such as: | | In order to '''overcome the information gap '''in respect of the new technology, introduce additional activities such as: |
| | | | |
| − | *encouraging (potential) clients to get informed and consult technical advice; | + | *Encouraging (potential) clients to get informed and consult technical advice through site visits and case studies of existing installations; |
| − | *training and sensitization of loan staff on basics about the technology; | + | *Training and sensitization of loan staff on basics about the technology; |
| − | *monitoring loan performance closely; | + | *Monitoring loan performance closely; |
| − | *continuous dialogue with solar power sector. | + | *Continuous dialogue with solar pump suppliers. |
| | | | |
| | '''Note: '''SPIS clients could become future clients for other financial products (cross selling). | | '''Note: '''SPIS clients could become future clients for other financial products (cross selling). |
| Line 48: |
Line 48: |
| | ===='''<span style="color: rgb(135, 150, 55);">Outcome/Product</span>''' ==== | | ===='''<span style="color: rgb(135, 150, 55);">Outcome/Product</span>''' ==== |
| | | | |
| − | *'''Guidelines and Procedures''': including assessment and decision guidelines, target key performance indicators (KPIs). | + | *'''Guidelines and Procedures''' including assessment and decision guidelines, target key performance indicators (KPIs). |
| | | | |
| | ==== '''<span style="color: rgb(135, 150, 55);">Data Requirements</span>''' ==== | | ==== '''<span style="color: rgb(135, 150, 55);">Data Requirements</span>''' ==== |
| Line 66: |
Line 66: |
| | ==== '''<span style="color: rgb(135, 150, 55);">People/Stakeholders</span>''' ==== | | ==== '''<span style="color: rgb(135, 150, 55);">People/Stakeholders</span>''' ==== |
| | | | |
| − | *Management level of financial service providers; | + | *Management of financial service providers; |
| − | *Experienced credit staff (senior, agrifinance); | + | *Experienced credit staff (senior, agri-finance); |
| | *Associations of producers / potential borrowers; | | *Associations of producers / potential borrowers; |
| | *Agricultural extension services; | | *Agricultural extension services; |
| − | *Research and training institutes (e.g. environmental agency); | + | *Research and training institutes (e.g. environmental agencies); |
| | *Providers of service, technology and inputs. | | *Providers of service, technology and inputs. |
| | | | |
| Line 76: |
Line 76: |
| | | | |
| | *Prevent prohibitive transaction costs for borrowers; | | *Prevent prohibitive transaction costs for borrowers; |
| − | *Overcome information gap of financial operator;<br/> | + | *Overcome information gap of financial operators;<br/> |
| | *Note that standardization potential is limited;<br/> | | *Note that standardization potential is limited;<br/> |
| − | *Select excellent loan staff for this segment with corresponding background and experience (train them!). | + | *Select capable loan staff for this segment with corresponding background and experience (provide training if required). |
| | | | |
| | | | |
When selecting or developing a loan product for SPIS it is important to ask the following questions:
