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MABS APPROACH TO AGRICULTURAL MICROFINANCE

MABS APPROACH TO AGRICULTURAL MICROFINANCE. Module 1, Session 2 Designing the Market for Agricultural Microfinance. THE MAP TARGET MARKET. Market Segmentation by Agri-Activities and Ownership of Legal Title. Large Agri Operators, and Land owners.

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MABS APPROACH TO AGRICULTURAL MICROFINANCE

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  1. MABS APPROACH TO AGRICULTURAL MICROFINANCE Module 1, Session 2Designing the Market for Agricultural Microfinance

  2. THE MAP TARGET MARKET

  3. Market Segmentation by Agri-Activities and Ownership of Legal Title Large Agri Operators, and Land owners Small farmers with ME’s & other sources of income, with land title, Small Farmers with ME’s & other sources of income, no land title BOP

  4. MAP Survey, June 2006 n = 318

  5. SMALL FARMERS DEFINED • Small farmers and fisherfolk constitute 90% of all farmers and fisherfolk in the country. • DEFINITION OF SMALL FARMERS: • Small farmers and fisherfolk are “natural persons dependent on small-scale subsistence farming and fisheries activities as their primary source of income.” • Modernization Act (AFMA) or Republic Act (RA) 8435 of 1997. ACPC Monitor, Issue No. 2, Series of 2003. Definition from Agriculture and Fisheries

  6. WHO ARE THE SMALL FARMERS? • Land: Actual tiller of lands not over 5 hectares, whether • land owner or tenant • Hog: Raisers of 10 sows or 20 fatteners • Poultry: Raisers of 1,000 layers or 5,000 broilers • Cattle: Raisers of 10 fatteners or 5 breeders • Goat: Raisers 50 heads • Fisher folk: Operators of fishing vessels 3 gross tons or less (Fisher folk include fish workers or helpers in fishing boats, fishponds, hatcheries or fish processing establishments) • Aqua culture: operating fishponds or seaweeds, oyster or mussel farms are those with less than 5 hectares; or fish cages of less than 400 square meters in size. • - Land Bank of the Philippines

  7. VEGETABLE ABACA RICE COPRA POULTRY MARINE PRODUCTS SMALL FARM TOOLS and EQUIPMENT FRUITS FARM ANIMAL Examples of Agricultural Products Financed Under MAP

  8. MARKETING STRATEGIES • Market diversification (Study the agri sub-sectors in the locality) • Value Chain analysis • Universities • Farmer Associations • Input suppliers • Traders • Existing clients • Existing Clients of the bank (microenterprise clients with agri activities, depositors, etc.)

  9. VALUE CHAIN ANALYSIS As a Marketing Tool • What is a Value Chain? • A Value Chain describes the activities that take place in a business and relates them to an analysis of the competitive strength of the business. • What is Value Chain Analysis? • A VCA is one way of identifying which activities are best undertaken by a business and which are best provided by others ("out sourced"). What activities a business undertakes is directly linked to achieving competitive advantage. A thorough discussion on the value chain will be presented on the succeeding session

  10. ASSESS MARKETS WITH VCA • Demand:Focuses on most relevant financial services demanded because they help targeted enterprises to take advantage of opportunities for growth • Supply:Identifies range of service providers, building on their records, perspectives and relationships

  11. Thankyou

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