INTRODUCTION
This course is designed to meet the needs of today’s agricultural borrower and lender, it focuses on the analysis and interpretation of historical and projected farm and ranch financial statements–the critical components of the credit analysis process that continue to frustrate even the most experienced borrowers and lenders. Although lectures are an important part of the course, participants spend the majority of their time analyzing case studies and participating in small group.
DURATION
5 days
WHO SHOULD ATTEND?
Agricultural Credit Analysis course is designed for loan officers, loan administrators, and credit personnel who are responsible for or support agricultural lending to farmers, farmers, farmer groups and all stakeholders working in the agriculture industry. Participants should have a working knowledge of the fundamentals of commercial lending and credit.
Course Level:
LEARNING OBJECTIVES
By the end of the course, learners will have:
- Learn to ask questions that produce an accurate picture of the borrower’s financial condition.
- Make sound credit decisions with confidence based on commonly available information.
- Understand the impact of key recommendations by the Farm and Financial Standards Task Force.
- Identify and articulate the key strengths and weaknesses of a credit request and structure the loan accordingly.
- Build a stronger and more profitable loan portfolio.
- Understand the importance of farm records in accessing credit.
- Appreciate smallholder agriculture commercialization.
TOPICS TO BE COVERED
Module 1
-
Agricultural finances.
- Challenges to accessing capital to enabler smallholder commercialization.
- Perspective of agriculture and the micro finances.
- Issues and challenges facing agriculture micro finances.
Overview of the micro finance credit process and its components
- Agriculture Micro finance credit and lending policies.
- Implementation of the micro finance credit policies.
Module 2
Gathering information and building the farmer relationship.
- Understanding the farmers credit needs.
- Building a borrowing profile.
- Responsibilities and obligations for the farmer.
- Farm records.
Module 3
Analyzing the historical financial and operation aspects of the farmer.
- Farm balance sheet.
- Farm operation statement.
- Farm cash flow statement.
- Individual and farm resources.
Module 4
Financial planning and analysis
- Farm financial planning factors.
- Uses of financial planning on the farm.
- The farm financial planning process.
Module 5
Farm credit structures and risk management.
- Farm credit and loan structuring.
- Risk management from the micro finance perspective.
- Risk management from the borrower’s perspective.
- The pay as you go system for agricultural inputs.
- Smallholder agriculture commercialization.
Below is a career path for becoming an agriculture credit analyst:
-
Micro Finance for Rural Development Course
-
Agro Entrepreneurship & Market Facilitation Course
-
Entrepreneurship and Inclusive Agribusiness Course
-
Marketing for Small Agribusinesses Course
- Policy Framework in Agriculture Course
Related Courses
Course Administration Details:
Methodology
These instructor-led training sessions are delivered using a blended learning approach and include presentations, guided practical exercises, web-based tutorials, and group work. Our facilitators are seasoned industry experts with years of experience as professionals and trainers in these fields. All facilitation and course materials are offered in English. Participants should be reasonably proficient in the language.
Accreditation
Upon successful completion of this training, participants will be issued an Indepth Research Institute (IRES) certificate certified by the National Industrial Training Authority (NITA).
Training Venue
The training will be held at IRES Training Centre. The course fee covers the course tuition, training materials, two break refreshments, and lunch. All participants will additionally cater to their travel expenses, visa application, insurance, and other personal expenses.
Accommodation and Airport Transfer
Accommodation and Airport Transfer are arranged upon request. For reservations contact the Training Officer.
- Email: [email protected]
- Phone: +254715 077 817
Tailor-Made
This training can also be customized to suit the needs of your institution upon request. You can have it delivered in our IRES Training Centre or at a convenient location. For further inquiries, please contact us on:
- Email: [email protected]
- Phone: +254715 077 817
Payment
Payment should be transferred to the IRES account through a bank on or before the start of the course. Send proof of payment to [email protected]
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