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Annex B: Database
II
Continent
|
Financial Institution
|
Country
|
Type
|
Foundation
|
Branches
|
|
Africa
|
Cameroon
Cooperative Credit Union League
|
Cameroon
|
cooperative
|
1968
|
12
|
|
Africa
|
Société Générale Côte
d'Ivoire
|
Côte d'ivoire
|
Commercial Bank
|
1962
|
28
|
|
Africa
|
Banque Nationale D'Investissement
|
Côte d'ivoire
|
Commercial Bank
|
1959
|
22
|
|
Africa
|
Ecobank
|
Côte d'ivoire
|
Commercial Bank
|
1989
|
47
|
|
Africa
|
Société Ivoirienne de Banque
|
Côte d'ivoire
|
Commercial Bank
|
1962
|
66
|
|
Africa
|
Nouvelle Société Interafricaine d'Assurance
|
Côte d'ivoire
|
Insurance company
|
1906
|
0
|
|
Africa
|
Advans Côte d'Ivoire
|
Côte d'ivoire
|
MFI
|
2005
|
9
|
|
Africa
|
MicroCred Côte d'Ivoire
|
Côte d'ivoire
|
MFI
|
2010
|
23
|
|
Africa
|
MUCREFAB - Microfinance
|
Côte d'ivoire
|
MFI
|
1994
|
9
|
|
Africa
|
Fonds International pour le Développement de la Retraite
Active
|
Côte d'ivoire
|
MFI
|
2011
|
8
|
|
Africa
|
Union Nationale des Coopératives d'Epargne et de
Crédit de Côte d'Ivoire
|
Côte d'ivoire
|
MFI
|
1976
|
4
|
|
Africa
|
Eswatini Association of Savings and Credit Co-operatives
|
Eswatini
|
cooperative
|
1964
|
40
|
|
Africa
|
Nib International Bank
|
Ethiopia
|
Commercial Bank
|
1999
|
189
|
|
Africa
|
Harbu Microfinance Institution Share Company
|
Ethiopia
|
MFI
|
2005
|
13
|
|
Africa
|
Commercial Bank of Ethiopia
|
Ethiopia
|
Islamic Bank
|
1942
|
1714
|
|
Africa
|
National Association of Cooperative Credit Unions of The
Gambia
|
Gambia
|
cooperative
|
1992
|
6
|
|
Africa
|
Ghana Co- operative Credit Union Association Ltd.
|
Ghana
|
cooperative
|
1955
|
11
|
|
Africa
|
Equity Bank
|
Kenya
|
Commercial Bank
|
1984
|
10
|
|
Africa
|
Agricultural Finance Corporation
|
Kenya
|
Agricultural Bank
|
1963
|
8
|
|
Africa
|
Faulu Kenya
|
Kenya
|
MFI
|
1991
|
67
|
Database
|
Africa
|
Family Bank
|
Kenya
|
Commercial Bank
|
1984
|
92
|
|
Africa
|
Cooperative Bank
|
Kenya
|
Commercial Bank
|
1931
|
100
|
|
Africa
|
Unity Finance
|
Kenya
|
cooperative
|
1974
|
15
|
|
Africa
|
Eclof Kneya
|
Kenya
|
MFI
|
1994
|
43
|
|
Africa
|
Juhudi Kilimo
|
Kenya
|
MFI
|
2004
|
39
|
|
Africa
|
Malawi Union of Savings and Credit Co-operatives, Ltd.
|
Malawi
|
cooperative
|
1962
|
47
|
|
Africa
|
Millennium bim - Particulares
|
Mozambique
|
Commercial Bank
|
1995
|
138
|
|
Africa
|
socremo banco de microfinanças
|
Mozambique
|
Commercial Bank
|
1998
|
13
|
|
Africa
|
African Banking Corporation
|
Mozambique
|
Commercial Bank
|
1999
|
10
|
|
Africa
|
Banco Mais
|
Mozambique
|
Commercial Bank
|
1999
|
7
|
|
Africa
|
Banco Único
|
Mozambique
|
Commercial Bank
|
2010
|
2
|
|
Africa
|
Barclays Bank
|
Mozambique
|
Commercial Bank
|
1991
|
3
|
|
Africa
|
Central Bank of West African States
|
Niger
|
International FI
|
1962
|
3
|
|
Africa
|
SunTrust Bank
|
Nigeria
|
Commercial Bank
|
2009
|
8
|
|
Africa
|
Keystonebank
|
Nigeria
|
Commercial Bank
|
1981
|
154
|
|
Africa
|
Union Bank of Nigeria
|
Nigeria
|
Commercial Bank
|
1917
|
320
|
|
Africa
|
UBA Group Corporate
|
Nigeria
|
Commercial Bank
|
1948
|
67
|
|
Africa
|
Zenith Bank
|
Nigeria
|
Commercial Bank
|
1990
|
390
|
|
Africa
|
Guaranty Trust Bank
|
Nigeria
|
Commercial Bank
|
1990
|
231
|
|
Africa
|
Standard Chartered Nigeria
|
Nigeria
|
Commercial Bank
|
1999
|
42
|
|
Africa
|
Polaris Bank Limited
|
Nigeria
|
Commercial Bank
|
2018
|
260
|
|
Africa
|
Heritage Bank Plc
|
Nigeria
|
Commercial Bank
|
1875
|
50
|
|
Africa
|
Bank of Kigali
|
Rwanda
|
Commercial Bank
|
1966
|
79
|
|
Africa
|
Banque Populaire Du Rwanda
|
Rwanda
|
Commercial Bank
|
1975
|
193
|
|
Africa
|
Association of Microfinance Institutions in Rwanda
|
Rwanda
|
MFI
|
2007
|
185
|
|
Africa
|
Seychelles Credit Union
Asia
|
Seychelles
|
Credit union
|
1970
|
3
|
|
Africa
|
Development Bank of Southern Africa
|
South Africa
|
Development Bank
|
1983
|
0
|
|
Africa
|
Land and Agricultural
|
South Africa
|
Development Bank
|
1912
|
9
|
|
|
|
|
|
|
Database
|
|
III
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Development Bank of South Africa
|
|
|
|
|
|
Africa
|
Equity Bank South Sudan Limited
|
South Sudan
|
Commercial Bank
|
2009
|
5
|
|
Africa
|
National
Microfinance Bank
|
Tanzania
|
Commercial Bank
|
1997
|
226
|
|
Africa
|
FBME LIMITED
|
Tanzania
|
Commercial Bank
|
1990
|
4
|
|
Africa
|
Amana Bank
|
Tanzania
|
Islamic Bank
|
2011
|
10
|
|
Africa
|
Savings and Credit Cooperative Union League of Tanzania Ltd.
|
Tanzania
|
cooperative
|
1992
|
0
|
|
Africa
|
Azania Bank Ltd
|
Tanzania
|
Commercial Bank
|
1995
|
27
|
|
Africa
|
CRDB Bank
|
Tanzania
|
Commercial Bank
|
1996
|
260
|
|
Africa
|
Centenary Bank
|
Uganda
|
MFI
|
1985
|
63
|
|
Africa
|
Stanbic Bank
|
Uganda
|
Commercial Bank
|
1991
|
15
|
|
Africa
|
Mercantile Credit Bank
|
Uganda
|
Commercial Bank
|
1981
|
0
|
|
Africa
|
Uganda Cooperative Savings & Credit Union, Ltd.
|
Uganda
|
cooperative
|
1972
|
100
|
|
Africa
|
FINCA
|
Uganda
|
MFI
|
1992
|
29
|
|
Africa
|
UGAFODE Microfinance Limited (MDI)
|
Uganda
|
MFI
|
1994
|
19
|
|
Africa
|
First National Bank
|
Zambia
|
Commercial Bank
|
1838
|
22
|
|
Africa
|
ZANACO Bank
|
Zambia
|
Commercial Bank
|
1969
|
60
|
|
Africa
|
Stanbic Bank
|
Zambia
|
Commercial Bank
|
1906
|
63
|
|
Africa
|
Barclays Bank
|
Zambia
|
Commercial Bank
|
1991
|
47
|
|
Africa
|
National Association of Savings and Credit Unions
|
Zambia
|
cooperative
|
1969
|
0
|
|
Africa
|
National Association of Cooperative Savings & Credit Unions
of Zimbabwe
|
Zimbabwe
|
cooperative
|
1980
|
118
|
|
Asia
|
Islamic Investment and Finance Cooperatives Group
|
Afghanistan
|
cooperative
|
2009
|
18
|
|
Asia
|
BRAC Bank
|
Bangladesh
|
Commercial Bank
|
2001
|
9
|
|
Asia
|
Bangladesh Commerce Bank Ltd
|
Bangladesh
|
Commercial Bank
|
1998
|
48
|
|
|
|
|
|
|
Database
|
|
IV
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Asia
|
Prime Bank Limited
|
Bangladesh
|
Commercial Bank
|
1995
|
146
|
|
Asia
|
ONE Bank Ltd.
|
Bangladesh
|
Islamic Bank
|
1999
|
103
|
|
Asia
|
Standard Bank Ltd
|
Bangladesh
|
Islamic Bank
|
1999
|
34
|
|
Asia
|
sonali bank
|
Bangladesh
|
Islamic Bank
|
2007
|
1228
|
|
Asia
|
Grameen Bank
|
Bangladesh
|
MFI
|
1983
|
2568
|
|
Asia
|
HDFC Bank
|
India
|
Commercial Bank
|
1994
|
5653
|
|
Asia
|
ational Bank for Agriculture and Rural Development
|
India
|
Development Bank
|
1982
|
32
|
|
Asia
|
National Dairy Development Board of India
|
India
|
cooperative
|
1965
|
2
|
|
Asia
|
Basix India
|
India
|
MFI
|
1996
|
50
|
|
Asia
|
KBS Bank
|
India
|
Commercial Bank
|
1996
|
29
|
|
Asia
|
YES Bank
|
India
|
Commercial Bank
|
2003
|
1000
|
|
Asia
|
Reserve Bank of India
|
India
|
State
development bank
|
1935
|
4
|
|
Asia
|
South Indian Federation of Fishermen Societies
|
India
|
cooperative
|
1980
|
0
|
|
Asia
|
Small Industries Development Bank of India
|
India
|
Commercial Bank
|
1990
|
33
|
|
Asia
|
National Agricultural Cooperative Federation
|
Korea
|
cooperative
|
1974
|
86
|
|
Asia
|
Mongolian
Confederation of Credit Unions
|
Mongolia
|
cooperative
|
2008
|
22
|
|
Asia
|
Nepal Federation of Savings & Credit Cooperative Unions.
Ltd.
|
Nepal
|
cooperative
|
1963
|
34
|
|
Asia
|
National
Cooperative Bank Ltd. (NCBL)
|
Nepal
|
cooperative
|
2003
|
373
|
|
Asia
|
Quedan and Rural Credit Guarantee Corporation
|
Philippines
|
cooperative
|
1978
|
14
|
|
Asia
|
National
Confederation of Cooperatives
|
Philippines
|
cooperative
|
1977
|
119
|
|
Asia
|
Development Bank of the Philippine
|
Philippines
|
state
development bank
|
1947
|
127
|
|
Asia
|
Philippine
Federation of Credit Cooperative
|
Philippines
|
cooperative
|
1960
|
0
|
|
Asia
|
Federation of Thrift & Credit
|
Sri Lanka
|
cooperative
|
1978
|
985
|
|
|
|
|
|
|
Database
|
|
V
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Cooperative Societies Ltd.
|
|
|
|
|
|
Asia
|
bank for agriculture and agricultural cooperatives
|
Thailand
|
Development Bank
|
1966
|
1327
|
|
Asia
|
Small and Medium Enterprise
Development Bank
|
Thailand
|
Development Bank
|
2005
|
27
|
|
Asia
|
Cooperative Bank of Vietnam
|
Vietnam
|
cooperative
|
2013
|
100
|
|
America
|
Barbados Co- operative & Credit Union League Ltd.
|
Barbados
|
cooperative
|
1957
|
29
|
|
America
|
Belize Credit Union League Ltd.
|
Belize
|
cooperative
|
1956
|
7
|
|
America
|
Bermuda Credit Union Co-op Society
|
Bermuda
|
cooperative
|
1972
|
0
|
|
America
|
Sartawi Foundation
|
Bolivia
|
MFI
|
1989
|
40
|
|
America
|
PROFIN Foundation
|
Bolivia
|
MFI
|
2001
|
0
|
|
America
|
Pro-rural
|
Bolivia
|
cooperative
|
2001
|
0
|
|
America
|
Sicredi
Participações
|
Brazil
|
cooperative
|
2000
|
2000
|
|
America
|
Cayman Islands Civil Service Association Cooperative Credit Union
Ltd.
|
Cayman Islands
|
cooperative
|
1975
|
46
|
|
America
|
Federación Nacional de Cooperativas de Ahorro y
Crédito Financieras
|
Colombia
|
cooperative
|
2012
|
3205
|
|
America
|
Banco BAC San José S.A.
|
Costa Rica
|
Commercial Bank
|
1952
|
11
|
|
America
|
Federación de Cooperativas de Ahorro y Credito de Costa
Rica R.L.
|
Costa Rica
|
cooperative
|
1999
|
14
|
|
America
|
The Curacao Federation of Cooperatives
|
Curacao
|
cooperative
|
1961
|
6
|
|
America
|
Asociación de Instituciones Rurales de Ahorro y
Crédito, Inc.
|
Dominican Republic
|
cooperative
|
1991
|
24
|
|
America
|
Federación de
Asociaciones
Cooperativas
|
El Salvador
|
cooperative
|
1966
|
130
|
|
America
|
Cooperativas Micoope
|
Guatemala
|
cooperative
|
1963
|
300
|
|
America
|
Guyana Co- operative Credit Union League
|
Guyana
|
cooperative
|
2009
|
29
|
|
America
|
National Bank for Agricultural Development
|
Honduras
|
Agricultural Bank
|
1950
|
10
|
|
|
|
|
|
|
Database
|
|
VI
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
America
|
fundacioncovelo
|
Honduras
|
MFI
|
1985
|
0
|
|
America
|
VisionFund
|
Honduras
|
MFI
|
1995
|
17
|
|
America
|
Jamaica Co- operative Credit Union League Ltd
|
Jamaica
|
cooperative
|
1942
|
102
|
|
America
|
Banco Mercantil del Norte
|
Mexico
|
Commercial Bank
|
1899
|
20
|
|
America
|
Trust Funds for Rural Development
|
Mexico
|
Development Bank
|
1954
|
131
|
|
America
|
Nacional Financiera
|
Mexico
|
Development Bank
|
1934
|
3
|
|
America
|
Caja Popular Mexicana
|
Mexico
|
cooperative
|
1951
|
20
|
|
America
|
St. Patrick's Co- operative Credit Union
|
Montserrat
|
cooperative
|
2009
|
0
|
|
America
|
Banco Lafise
|
Nicaragua
|
Commercial Bank
|
1985
|
47
|
|
America
|
Credinka
|
Peru
|
cooperative
|
1994
|
90
|
|
America
|
Financiera Confianza
|
Peru
|
MFI
|
1991
|
115
|
|
America
|
Banco de Credito del Peru
|
Peru
|
Commercial Bank
|
1889
|
370
|
|
America
|
Fovida
|
Peru
|
cooperative
|
1987
|
3
|
|
America
|
Banco Bilbao Vizcaya
Argentaria/Peru
|
Peru
|
Commercial Bank
|
1951
|
300
|
|
America
|
St. Kitts & Nevis National Co- operative League Ltd.
|
Saint Kitts & Nevis
|
cooperative
|
2009
|
4
|
|
America
|
St. Lucia Co- operative League Ltd.
|
Saint Lucia
|
cooperative
|
1977
|
15
|
|
America
|
St. Vincent and the Grenadines Co- operative League, Ltd.
|
Saint Vincent & the
Grenadines
|
cooperative
|
1962
|
4
|
|
America
|
Co-operative Credit Union League of Trinidad & Tobago
|
Trinidad & Tobago
|
cooperative
|
1947
|
80
|
|
Global
|
Root Capital
|
International
|
NGO
|
1999
|
4
|
|
Global
|
Inter-American Development Bank
|
International
|
Development Bank
|
1959
|
28
|
|
Global
|
Rabobank
|
International
|
cooperative
|
1895
|
428
|
|
Global
|
International Finance Corporation
|
International
|
International FI
|
1956
|
184
|
|
Global
|
Incofin Investment Management
|
International
|
International Fund
|
2001
|
5
|
|
Global
|
Grameen Foundation and Fair Trade international
|
International
|
NGO
|
1997
|
2568
|
|
Global
|
Shared Interest
|
International
|
cooperative
|
1990
|
51
|
|
|
|
|
|
|
Database
|
VII
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Global
|
Financial services and enterprise development
|
International
|
International Fund
|
1968
|
13
|
|
Global
|
European Microfinance Platform
|
International
|
MFI
|
1900
|
130
|
|
Global
|
Triodos Bank
|
International
|
Development Bank
|
1980
|
109
|
|
Global
|
International Raiffeisen Union
|
International
|
cooperative
|
1968
|
52
|
|
Global
|
International Fund for Agricultural Development
|
International
|
International FI
|
1977
|
177
|
|
Global
|
Inter-American Foundation
|
International
|
International Fund
|
1969
|
22
|
|
|
|
|
|
|
Database
|
VIII
|
|
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Annex C: Survey for FIs Officials
Dear colleague,
We at the Technical University of Munich (TUM), Germany
are conducting a survey about financial institutions. We would like to
understand how your institution finances the agriculture sector, specifically
financial products, the credit screening and scoring mechanisms employed, and
the instrument used to mitigate risk and reduce transaction costs.
ü Why have I been chosen? Following a bibliographic
search, we have identified your institute as meeting certain criteria eligible
for this study
ü What will I be asked? general questions about your
institute, the economic situation, and the method of financing the agricultural
sector.
ü How my data will be stored? All the information we
obtain will remain strictly confidential and anonymous.
Researcher's details: Mohamed Ali Trabelsi,
Email: dali.trabelsi@tum.de
More Information: Supervisors: Roberto Villalba and
Terese Venus.
If you would like further details, please check the university
[TUM School of Life Sciences] website or this YouTube Link.
By consenting to take part, you agree to the following.
I have read the information sheet.
I have had the opportunity to ask question I understand my data
will be anonymous
Q0. The survey will take about 20-30 minutes. Do you consent
to take part? Choose an item. FORCE RESPONSE
ASK ONLY IF YES IS SELECTED IN Q0
1.0 General Information
Q1.1 How would you best describe your institution? Choose an
item.
Q1.2 Please select the Continent: Choose an item.
Q1.3 Please select the Country Choose an item.
Q1.4 When was your institutions established Choose an item.
Q1.5 Could you select your position please? Choose an item.
Q1.6 How many years have you been working in agricultural
finance? Choose an item.
Q1.7 How many years has your institution been working in
agricultural finance? Choose an item.
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Survey with Financial Institutions in the Global South -
Multiple-respondent questionnaire
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IX
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2.0 Economic information
Q2.1 What where the total assets of your institutions? Click or
tap here to enter text. Q2.2 What was your institution's total equity? Click or
tap here to enter text.
Q2.3. What was the total gross loan portfolio of your
institution? Click or tap here to enter
text.
Q2.4 How many branches did your institution have? Click or tap
here to enter text. Q2.5 How many employees did your institution have? Click or
tap here to enter text. Q2.6 Which one of the following is the priority sector
Choose an item.
3.0 Agricultural credit: screening, scoring and
monitoring
Q3.1 Do you offer credit to all your customer? Choose an
item. FORCE RESPONSE ASK ONLY IF YES IS SELECTED IN Q3.1
*Product and Financial flows*
Q3.2 What lending products does your institution offer?Check all
that apply.
ALLOW MULTIPLE ANSWERS
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3.2.1. Agricultural loan
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3.2.2. Animal Husbandry loan
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3.2.3. Consumption loan
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3.2.4. Production loan (input)
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3.2.5. Income generating activities
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3.2.6. Working capital loans
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3.2.7. Asset building
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3.2.8. Lease financing
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3.2.9 Micro-leasing (equipment)
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3.2.10. Emergencies
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3.2.11. Commercialization credit
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3.2.12. Factoring (delay payment)
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3.2.13. Others
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Q3.3 What is the average loan per Borrower or range does your
institution offer to client? Choose an item.
Q3.4 What time frame for loans does your institution provide?
ALLOW MULTIPLE ANSWERS
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3.4.1. Short-term Loan
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3.4.2. Medium-term Loan
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3.4.3. Long-term Loan
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Survey with Financial Institutions in the Global South -
Multiple-respondent questionnaire
Q3.5 How is the loan disbursed? Choose an item.
Q3.6 How must the loan be repaid? Choose an item.
Q3.7 What is the interest rate per month?Choose an item.
Q3.8 What is the interest rate per year?Choose an item.
Q3.9 What is the percentage of other additional if incurred
Choose an item.
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*Risk management*
Q3.10 How is the loan securitized? ALLOW MULTIPLE
ANSWERS
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3.10.1 Securitization based on sales contract
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3.10.2 Loan is percentage of value of produce
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3.10.3 Collateral provided
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3.10.4 Transaction carried out through bank account
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3.10.5 Warehouse inventory
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3.10.6 Deposit
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3.10.7 Producer organizations members (group account)
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3.10.8 Assessment and investigation
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3.10.9 Legal document
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3.10.10 Household Item/ Leased Item
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3.10.11 Peer pressure from group, pledged to group
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3.10.12 Borrower must own the land
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Q3.11 Who has to repay the loan after lending?
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3.11.1. Individual Farmer/Borrower
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3.11.2. Cooperative
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3.11.3. Farmer group
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3.11.4. neighborhood groups
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3.11.5. Association
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3.11.6. Marketing organization
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*Information flows*
Q3.12 Which of the following information does the institution
require before the loan is disbursed? ALLOW MULTIPLE ANSWERS
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3.12.1 recent audited financial statement
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3.12.2. recent interim financial statement
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3.12.3. Cash flow prognosis for new season
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3.12.4. Projected profit
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3.12.5. Review of previous season (yield, contract, etc.)
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3.12.6. development of market prices
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3.12.7. realized investment
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3.12.8. identity card
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3.12.9. status in registry financial systems
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3.12.10. Registration of membership
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3.12.11. Basic plan on how the loan will be used
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3.12.12. Credit history
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3.12.13. Potential buyers
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3.12.14. Group registration certificate
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3.12.15. Application letter
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3.12.16. current year management account
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3.12.17. Account number
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3.12.18. Reputation
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3.12.19. Characteristics of the family
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3.12.20. Number of Ha owned
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3.12.21. Area planted
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Q3.13 What additional information do you require during the loan
period? ALLOW MULTIPLE ANSWERS
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3.13.1. Monthly savings of group
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3.13.2. Report of monthly meetings
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3.13.3. A field credit officer
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3.13.4. Check crop progress
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3.13.5. Price of agricultural inputs
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3.13.6. Farm inspection by specialist
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3.13.7. Monthly project monitoring report
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Q3.14 How long take on average between the application and the
disbursement of the loan? Choose an item.
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*Borrower characteristics*
Q3.15 Which of the following affect the lending decision?
ALLOW MULTIPLE ANSWERS
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3.15.1. Assets
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3.15.2. Age
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3.15.3. Education
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3.15.4. Marital status
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3.15.5. Number of children
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3.15.6. Employment
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3.15.7. Farm type
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3.15.8. Landholding size
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3.15.9. Borrower's Liquidity
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3.15.10. Repayment capacity
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3.15.11. Relationship indicators
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3.15.12. Collateral requirements
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3.15.13. Province
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3.15.14. Other features
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Q3.16 What is the most suitable age for getting the credit?
ASK ONLY IF AGE IS SELECTED IN 3.15
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3.16.1. < 25-year-old ?
3.16.2. 26 - 35-year-old ?
Survey with Financial Institutions in the Global South -
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3.16.3. 36 - 45-year-old ?
3.16.4. >46-years-old ?
03.17 Which of the following education level is most reliable for
credit allocation? ASK ONLY IF EDUCATION IS SELECTED IN 3.15
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3.17.1. Illiterate
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3.17.2. Literate
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3.17.3. Primary
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3.17.4. Middle Class
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3.17.5. High School
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3.17.6. Intermediate
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3.17.7. Graduation
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3.17.8. Post-Graduation and Above
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3.17.9. Any professional course & Technical
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03.18 What farmer's Marital Status do the financial Institution
consider as an advantage before lending? ASK ONLY IF MARITAL STATUS IS
SELECTED IN 3.15
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03.18.1. Married
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03.18.2. Unmarried
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03.18.3. Widow
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03.18.4. Divorced
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03.18.5. Separated
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03.19. What number of children is an advantage for an
agricultural credit? ASK ONLY IF NUMBER OF CHILDREN IS SELECTED IN
3.15
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3.19.1. None
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3.19.2. 1-2 Children
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3.19.3. 3-5 Children
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3.19.4. > 6 children
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03.20 Does your institute consider farmer Employment, if yes,
which of the following is a key factor? ASK ONLY IF EMPLOYMENT IS SELECTED
IN 3.15
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3.20.1. Employed
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3.20.2. Unemployed
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3.20.3. self Employed
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3.20.4. Professional
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03.21 What types of agriculture activity (Farm type) eligible for
a credit? ASK ONLY IF FARM TYPE IS SELECTED IN 3.15
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3.21.1. Arable Farming
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3.21.2. Pastoral Farming
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3.21.3. Mixed Farming
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3.21.4. Subsistence Farming
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3.21.5. Commercial Farming
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Survey with Financial Institutions in the Global South -
Multiple-respondent questionnaire
3.21.6. Extensive and Intensive Farming ?
3.21.7. Nomadic Farming ?
3.21.8. Sedentary Farming ?
3.21.9. Poultry Farming ?
3.21.10. Fish Farming ?
Q3.22 How many Ha of agricultural land (Landholding Size) do
farmers at least operate to be qualified for a loan? ASK ONLY IF
LANDHOLDING SIZE IS SELECTED IN 3.15
3.22.1. Landless ?
3.22.2. < 1Ha ?
3.22.3. 1-5 Ha ?
3.22.4. 6-10 Ha ?
3.22.5. 11 Ha ?
Q3.23 What types of guarantees are accepted by your institute?
ASK ONLY IF COLLATERAL IS SELECTED IN 3.15
3.23.1. Livestock ?
3.23.2. equipment ?
3.23.3. guarantor ?
3.23.4. Land ?
3.23.5. Others ?
Q3.24 Which of the relationship indicators does your institute
take into consideration? ASK ONLY IF NUMBER OF RELATIOINSHIP INDICATORS IS
SELECTED IN 3.15
3.24.1. Borrowing from others ?
3.24.2. Duration for repayment ?
3.24.3. Others ?
4.0 Agricultural finance within value chains
Q4.1 Do your institution use any of these practices?Choose an
item.
Q4.2 Are you familiar with this approach of AVCF or have you ever
heard about it? Choose an item. FORCE RESPONSE
ASK ONLY IF YES IS SELECTED IN Q4.3
5.0 Financial product & Instrument
employed
Q5.1 Out of the following five financial products, which type of
financial product are you familiar with/do your institution apply in
agriculture lending? ALLOW MULTIPLE ANSWERS
5.1.1 Product financing ?
5.1.2 Receivables financing ?
5.1.3 Physical asset collateralization ?
5.1.4 Risk mitigation products ?
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Survey with Financial Institutions in the Global South -
Multiple-respondent questionnaire
|
XIV
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5.1.5 Financial enhancements ?
ASK ONLY IF PRODUCT FINANCING IS SELECTED IN Q5.1
05.2 Which of the following instruments has <INSERT 01.1
INSTITUTION> ever used?
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5.2.1 Trader credit
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5.2.2 Input supplier credit
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5.2.3 Marketing Credit Company
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5.2.4 Lead firm financing
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ASK ONLY IF RECCEIVABLES FINANCING IS SELECTED IN
Q5.1
05.3 Which of the following instruments has <INSERT 01.1
INSTITUTION> ever used?
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5.3.1 Trade receivables finance
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5.3.2 Factoring
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5.3.3 Forfaiting
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ASK ONLY IF PHYSICAL ASSET COLLATERALIZATION IS SELECTED IN
Q5.1
05.4 Which of the following instruments has <INSERT 01.1
INSTITUTION> ever used?
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5.4.1 Warehouse receipts
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5.4.2 Repurchase agreements
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5.4.3 financial leasing
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ASK ONLY IF RISK MITIGATION PRODUCTS IS SELECTED IN
Q5.1
05.5 Which of the following instruments has <INSERT 01.1
INSTITUTION> ever used?
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5.5.1 Insurance
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5.5.2 Forward contracts
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5.5.3 Futures
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ASK ONLY IF FINANCIAL ENHANCEMENTS IS SELECTED IN
Q5.1
05.6 Which of the following instruments has <INSERT 01.1
INSTITUTION> ever used?
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5.6.1 Securitization instruments
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5.6.2 Loan guarantees
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5.6.3 Joint venture finance
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047. Ask question/Feedback Click or tap here to enter text.
We thank you Sir/Madam <INSERT 01.6 Name> for your time
spent taking the survey Your response has been recorded
*****
XV
Survey with Financial Institutions in the Global South -
Multiple-respondent questionnaire
Annex D: R Script
# Descriptive Analysis #
data1 <- na.omit(X20210922_database_FIs_MAT)
data<- data1[-1]
plot(data)
data
summary(data)
#Scale Data #
Data_scaled = apply(data, 2, function(r) {
if (sd(r) != 0)
res = (r - mean(r))/sd(r) else res = 0 * r
res
})
summary(Data_scaled)
install packages#
install.packages("dplyr")
install.packages("ggplot2")
install.packages("ggfortify")
install.packages("factoextra")
install.packages("clusterSim")
# load required libraries #
library(stats)
library(dplyr)
library(ggplot2)
library(ggfortify)
library(factoextra)
# WSS plot function #
wssplot <- function(Data_scaled, nc=15, seed=1234){
wss <- (nrow(Data_scaled)-1)*sum(apply(Data_scaled,2,var))
for (i in 2:nc){
set.seed(seed)
wss[i] <- sum(kmeans(Data_scaled, centers=i)$withinss)}
plot(1:nc, wss, type="b", xlab="Number of Clusters",
ylab="Within groups sum of squares")}
# Hierarchical Clustering ....
d <- dist(Data_scaled)
fith <- hclust(d, "ward.D2")
plot(fith)
# WSS Plot to choose maximum number of clusters #
wssplot(Data_scaled)
# Choosing K
k<- list()
for (i in 1:10){
k[[i]]<- kmeans(na.omit(data), i)
}
k[[9]]
k
betweenss_totss <- list()
for (i in 1:10) {
betweenss_totss[[i]]<-k[[i]]$betweenss/k[[i]]$totss
}
plot (1:10, betweenss_totss, type = "b" ,
ylab = "between SS / Total SS", xlab = "clusters(k)")
for (i in 1:4){
plot(data, k[[i]]$cluster)
# K-Means cluster #
KM= kmeans(Data_scaled,5)#
# Evaluating Cluster Analysis#
# Cluster plot 5#
autoplot(KM,Data_scaled,frame=TRUE)
# Segmentation & Visualization #
KM.clusters <- KM$cluster
rownames(Data_scaled) <- data1$id
fviz_cluster(list(data=Data_scaled,cluster=KM.clusters))
# cluster Membership #
KM$cluster
table(KM.clusters, data1$id)
table(data1$id, KM.clusters)
# Clusters Center #
KM$centers
# descriptive statistics at the cluster level
library(clusterSim)
desc <- cluster.Description(Data_scaled,KM$cluster)
print(desc)
summary(desc)
library(factoextra)
sil <- silhouette(KM$cluster, dist(Data_scaled))
fviz_silhouette(sil)
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