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Value Chains research report Tajikistan final - Microfinance Centre

Value Chains research report Tajikistan final - Microfinance Centre

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Scheme 7. Lemon <strong>Value</strong> Chain<br />

Markets<br />

Domestic<br />

Export wholesale<br />

Exporters<br />

Exporter<br />

Wholesaler/<br />

warehouse<br />

keepers<br />

Wholesalers<br />

Traders/<br />

Collector<br />

Traders/collectors<br />

Producers<br />

Population, backyard production, 98% of total production, Dekhkan<br />

Farms and Collective Farms only 2% of all production<br />

Lemon value chain financing opportunities<br />

1. Lemon Production<br />

• Financing through long-term loans for greenhouse construction, storehouse<br />

building, packing direction support and lemon calibration is also an important<br />

condition for the value chain development of lemons.<br />

• Financing schemes which allow the supply and distribution of fertilizers and<br />

pesticides. That could be done on collaboration with farmers and input dealers.<br />

Designing a special loan product: The proposed lending scheme includes<br />

opening a credit facility for the shops related to farmer groups. Manufacturers<br />

receive goods from the shop, while the shop presents the purchase agreement<br />

and issue order to the bank for obtaining the funds. The loan will be registered to<br />

the client for whom the credit line has been opened. Loan payment could be<br />

scheduled for period as the crops are being sold.<br />

• Financing by working capital agricultural input shops, which will offer Seeds<br />

(include nursery, seeds for onions and melons, tomato and cucumber); Certified<br />

fertilizers; Certified chemicals for plant protection; Diesel fuel; Supplying<br />

greenhouse films for multiple year usage.<br />

83

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