APMA and Georgian Insurance Companies Make Exposure Visit to Spain

On October 18–21, 2016, the Agricultural Projects’ Management Agency (APMA) and Georgian insurance company representatives from Aldagi, GPI Holding, Ardi and IC Group visited Madrid, Spain for an exposure visit financed by PAFAI project. The exposure visit was organized by Business & Finance Consulting (BFC) within the framework of the project PAFAI (Promoting Access to Finance and Agri Insurance) funded by Swiss Cooperation Office for the South Caucasus (SCO).

The main aim of the visit was to study the model of the Spanish insurance market and adapt it for use in Georgia. (more…)

Why We Need to Start Talking about Operational Inefficiencies

2pottery_vietnam_11021Can you think of any industry more efficient than microfinance? Every day, lenders around the world master the challenge of lending small sums of money to otherwise disenfranchised clients, all the while tracking portfolio data, managing an array of risks, and conforming to complex banking regulations. Now that most markets have matured, the increased competition has driven them to target ever more challenging groups—all the way down to remote, off-the-grid farmers. In their quest to survive (and turn a profit), microlenders continually focus on increasing efficiency and reducing internal costs, making them champions in operational efficiency.

The only catch to this familiar, compelling narrative: It’s not true.

Navigating the pitfalls of agricultural value chain finance in Eurasia


Financing value chains seems deceptively simple, but don’t be deceived!

By Michael Kortenbusch, Zurich, September 27, 2016

What sounds good in theory does not always work in practice. Value chain finance is a prime example. The theory is simple: If each of the three parties involved—farmer, aggregator, and bank—gains a benefit, the scheme will be a win-win-win. Reality is different: Quite a few programmes that look promising on paper eventually fail to deliver on expectations. (more…)

Bai-Tushum on the Field Day

On September 30, Bai-Tushum Bank took part in Field Day organized by KWS, K.O.Standard Agroservice (Lemken, Amazone), Grimme, Bai-Jer LLC companies in partnership with Kaindy-Kant OJSC factory, GIZ and TES-Center. The meeting was primarily dedicated to “Demonstration of advanced sugar beet hybrids, agricultural machinery and primary (fall) tillage agricultural activities”.

To recap, in July 2015 Bai-Tushum Bank and Kaindy-Kant OJSC signed cooperation agreement for the purposes of expanding access to financial resources for small and medium enterprises, engaged in agriculture.

Development of financial skills in ArmBusinessBank, Armenia

armbb-3The training on “Financial Analysis” carried out for employees of ARMBUSINESSBANK’s credit department within the framework of German-Armenian Fund and German Development Bank KfW joint program “Financing of agricultural sector in Armenia” (FASA) is completed and the results are summed up.

The training for increasing the efficiency of agricultural lending has been developed by “Business and Finance Consulting” (BFC) specifically for ARMBUSINESSBANK.

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