Value Chains research report Tajikistan final - Microfinance Centre

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Table 2. Disbursed loans by MFIs by sectors: Direction of lending 3-d quarter 2010 3-d quarter 2011 Trading 45,96% 41,87% Production 4,61% 4,19% Services 9,99% 7,23% Livestock, Poultry 16,37% 14,51% Growing 11,13% 11,40% Consumer loan 11,54% 19,87% Migration 0,40% 0,92% Total disbursed 37 mln. USD 50,8 mln. USD Source AMFOT Agriculture sector has perceptions of the sector as being “high risk” as well as challenges inherent in the various sub-sectors hinder flow of finance. The most subsectors are poorly financed with scarce specialized products. Due to declining productivity and production, excessive intermediation, inadequate storage and processing, disorganization among farmers and market uncertainties access to finance is limited. In spite of this some activities to finance value chain players are in place. According this table we can see that the amount of all loan disbursed for agricultural sector over 25% for all crops. MFIs are not named such lending as VCF for two reasons: first, funding is not performed with value chains in mind; that is, no one is thinking about removing bottlenecks in the development of specific links in the chain. And second, extensive approach is used to achieve the objective of increasing profit. So profit maximization and usage of available funds are tackled using the easy approaches – expanding coverage of the clients, covering new areas, new or existing businesses, enlarging active portfolio, etc. These MFO activities are also reliant on their external and internal obligations to maintain portfolio in the agricultural sector at a given level, or increasing the share of women, etc. The goal determines the objectives, objectives determine the approaches, and the work is usually done in the least difficult ways. Targeted actions to finance value chains also give good profits for financial institutions and are the next stage of development, rather than simply concentrating on serving the region, expanding coverage, increasing portfolio and diversifying borrowers. It requires a more detailed analysis and intensive, rather than extensive development (going deep, not going wide). 12
Table 3: Examples of microfinance institutions engaged in agricultural value chain financing in <strong>Tajikistan</strong> MFIs Types of rural clients Food production Food processing Inputs production Inputs trade Procurement IMON Madina Arvand Borshud Sugd Agro Serv Nov- Credit Vakhsh Microfin farming trade services other farming trade services farming trade farming trade services other farming trade other farming trade services other farming trade services other Source: MFC dairy farms animal production grain, fruit/veg producers bee-keeping cotton other dairy farms grain, fruit/veg producers bee-keeping dairy farms animal production grain, fruit/veg producers bee-keeping other animal production grain, fruit/veg producers bee-keeping other dairy farms animal production grain, fruit/veg producers beekeeping cotton other animal production grain, fruit/veg producers cotton other animal production grain, fruit/veg producers beekeeping other dairy mill meat processing fruit/veg processing industrial plant processing other dairy fruit/veg processing seeds fertilizers machinery other No livestock machinery seeds, fertilizers machinery seeds, fertilizers No No seeds, fertilizers Yes No No No No No No No No No No No No No No No No No No The more efficient VC funding is, the better results can be received: improving the scale of operations, increasing value of produce, including additional players into VC, strengthening horizontal and vertical linkages, etc. This will ensure business development, improve the momentum and synthesis of value chain participants, a large 13
Page 1 and 2: Research on agricultural value chai
Page 3 and 4: List of abbreviation AMFOT - Associ
Page 5 and 6: and watermelon, sixth VCA for potat
Page 7 and 8: Table 1. Institutions/organizations
Page 9 and 10: seminars, providing potato seed, fe
Page 11: The transaction between the Input d
Page 15 and 16: When describing and analyzing some
Page 17 and 18: fourth with just above 6 thousand h
Page 19 and 20: As the table shows, apricots are pr
Page 21 and 22: To transport fresh apricots for exp
Page 23 and 24: The export of dried apricots. The e
Page 25 and 26: 5.1.3. Apricots Processed by Cannin
Page 27 and 28: • Retailers are people who sell t
Page 29 and 30: • Strengthen buyer (exporter/proc
Page 31 and 32: Increases in production of vegetabl
Page 33 and 34: traditionally lower in Sughd Region
Page 35 and 36: same as inside Tajikistan, which ma
Page 37 and 38: 3. Entrepreneurs are not interested
Page 39 and 40: 2. Representatives of Tajikmatlubot
Page 41 and 42: 5.3. Open field Tomato value chain
Page 43 and 44: Diagram 2. Tomato Semi-Wholesale Pr
Page 45 and 46: • It is not profitable for farmer
Page 47 and 48: Table 21: Export of canned Tomato P
Page 49 and 50: product is import substitution prod
Page 51 and 52: Table 24: Location the greenhouse a
Page 53 and 54: In general, the wide price fluctuat
Page 55 and 56: Scheme 4. Value Chain for greenhous
Page 57 and 58: produce much more to substitute Uzb
Page 59 and 60: Table 27. Harvesting of Melon and W
Page 61 and 62: Diagram 4. Dynamics of Watermelon P
Page 63 and 64:
Scheme 5. Value chain for Watermelo
Page 65 and 66:
from sprouting to harvesting lasts
Page 67 and 68:
Employment Characteristics The fiel
Page 69 and 70:
Big traders purchase potato from co
Page 71 and 72:
Scheme 6. Value Chain Map for Potat
Page 73 and 74:
Opportunities Production: • Poten
Page 75 and 76:
As it shown in table 36, more than
Page 77 and 78:
Traders and Wholesalers Farmers sel
Page 79 and 80:
Lemon pricing is highly seasonal. T
Page 81 and 82:
facilities, in bulk, without crates
Page 83 and 84:
Scheme 7. Lemon Value Chain Markets
Page 85 and 86:
Producers. Grapes are a popular agr
Page 87 and 88:
Scheme 8. Value chain for grape. Ma
Page 89 and 90:
Table 42. Export fresh Grape from T
Page 91 and 92:
2010 total of 1.9 million head. The
Page 93 and 94:
highly contagious diseases in cattl
Page 95 and 96:
Large butchers control the price of
Page 97 and 98:
understanding of the processes. Cur
Page 99 and 100:
variables Up to 1 somoni from a kg
Page 101 and 102:
There are no cattle recording syste
Page 103 and 104:
• Poor using the concentrate feed
Page 105 and 106:
honey are blue cornflower, blueweed
Page 107 and 108:
• Attacks by common bee eater (bi
Page 109 and 110:
Table 52. Seasonality in beekeepers
Page 111 and 112:
Wire and comb foundation are source
Page 113 and 114:
Diagram 6. Places where honey and s
Page 115 and 116:
Traders. Honey marketing agents: Th
Page 117 and 118:
• Facilitating the establishment
Page 119 and 120:
targets group in each value chain.
Page 121 and 122:
Rushdi Dekhot, PO, Khasan Temirov A
Page 123 and 124:
MMC/ATAS, agricultural training and
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Value Chains research report Tajikistan final - Microfinance Centre

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