3 Financial services

3.1 Access to credit

3.1.1 Farmers’ access to agricultural credit (gender disaggregated)

Percentage of farmers, men or women that responded “Yes” to the question: “During the last 12 months, did you or anyone in your household use a loan or credit for agricultural activities?”

Number of farmers N Percentage
Farmers 141 33%
Male 141 33%

Percentage of farmers, from each CSV community who responded “Yes” to the question: “During the last 12 months, did you or anyone in your household use a loan or credit for agricultural activities?”
CSV community N Percentage of farmers
Bagri 21 48%
Biraljuri 20 25%
Galua 20 40%
Galua-Durgapur 20 20%
Nangguli 20 45%
Noikathi 20 30%
Pargopalpur 20 20%

3.1.2 Farmers’ credit sources (gender disaggregated)

Percentage of farmers, men or women how responded to the question: “From whom did your household borrow the money?”

Number of farmers N NGO Community Savings group From a bank (formal credit) Family, friends Cooperative or Microcredit Institution Private lender (informal)
Farmers 46 61% 2% 13% 4% 22% 9%

Percentage of farmers, men or women how answered to the question: “From whom did your household borrow the money?”

Number of farmers N NGO Community Savings group From a bank (formal credit) Family, friends Cooperative or Microcredit Institution Private lender (informal)
Male 46 61% 2% 13% 4% 22% 9%

3.1.3 Farmers’ credit types (gender disaggregated)

Percentage of farmers, men or women who answered the question: “Was this a short term or long term loan?”

Number of farmers N Loan for <b>less</b> than 1 year Loan for <b>more</b> than 1 year
Farmers 46 98% 2%
Male 46 98% 2%

Percentage of men or women who answered the question: “Was this a short term or long term loan?”


Percentage of farmers, from the different CSV communities who answered the question: “Was this a short term or long term loan?”

CSV community Loan term N Percentage of farmers
Bagri Loan for <b>less</b> than 1 year 10 100%
Biraljuri Loan for <b>less</b> than 1 year 5 100%
Galua Loan for <b>less</b> than 1 year 8 100%
Galua-Durgapur Loan for <b>less</b> than 1 year 4 100%
Nangguli Loan for <b>less</b> than 1 year 9 100%
Noikathi Loan for <b>less</b> than 1 year 6 83%
Loan for <b>more</b> than 1 year 17%
Pargopalpur Loan for <b>less</b> than 1 year 4 100%

3.1.4 Farmers’ credit use

Percentage of farmers that answered the question: “What did you or nyone in your household use the loan or credit for?”

Number of farmers N Other To change the type crop / livestock grown / raised To make infrastructure investments To pay labour time To purchase management / production inputs
Farmers 46 11% 2% 63% 9% 15%
Male 46 11% 2% 63% 9% 15%

Percentage of men or women that answered the question: “What did you or nyone in your household use the loan or credit for?”


Percentage of farmers, from each CSV community who responded “Yes” to the question: “What did you or nyone in your household use the loan or credit for?”

CSV community Use of the loan or credit N Percentage of farmers
Bagri Other 10 10%
To make infrastructure investments 80%
To pay labour time 10%
Biraljuri Other 5 20%
To make infrastructure investments 60%
To purchase management / production inputs 20%
Galua To make infrastructure investments 8 50%
To pay labour time 25%
To purchase management / production inputs 25%
Galua-Durgapur Other 4 50%
To make infrastructure investments 50%
Nangguli Other 9 11%
To make infrastructure investments 78%
To pay labour time 11%
Noikathi To make infrastructure investments 6 67%
To purchase management / production inputs 33%
Pargopalpur To change the type crop / livestock grown / raised 4 25%
To make infrastructure investments 25%
To purchase management / production inputs 50%

3.1.5 Farmers’ climate driven access to agricultural credit (gender disaggregated)

Percentage of farmers men or women that responded “Yes” to the question:" “Was the purpose of the loan/credit intended to help to be better prepared against Climate related shocks?”

Number of farmers N Percentage
Farmers 46 26%
Male 46 26%

Percentage of farmers from each CSV community who responded “Yes” to the question: “Was the purpose of the loan/credit intended to help to be better prepared against Climate related shocks?”


Percentage of farmers men or women that responded “Yes” to the question:" “Was the purpose of the loan/credit intended to help recover from climate relate shocks?”

Number of farmers N Percentage
Farmers 46 30%
Male 46 30%

Percentage of farmers from each CSV community who responded “Yes” to the question: “Was the purpose of the loan/credit intended to help recover from climate relate shocks?”


3.2 Access to insurance

3.2.1 Farmers’ access to agricultural insurance (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: “During the last 12 months, did you or anyone in your household buy/had/use any insurance to cover damages in crops or animals?”

There were no farmers mentioning that they had or brought any insurance in the monitored period.


Percentage of farmers, from each CSV community who responded “Yes” to the question: “During the last 12 months, did you or anyone in your household buy/had/use any insurance to cover damages in crops or animals?”

There were no farmers mentioning that they had or brought any insurance in the monitored period.


3.2.2 Farmers’ agricultural insurance type

Percentage of farmers, men or women how responded to the question: “What risk was covered by the insurance?”

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.


3.2.3 Farmers’ agricultural insurance provider (gender disaggregated)

Percentage of farmers, men or women with agricultural insurance who responded “Yes” to the questions: " Did your (or anyone in your household) buy the insurance from an input dealer or insurance company? "

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.


3.2.4 Farmers’ access to “climate intended” agricultural insurance (gender disaggregated)

Percentage of farmers, men or women how responded to the question: “”

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.


3.2.5 Farmers’ access to insurance payouts (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: " During the last 12 months, did you or anyone in your household received payouts from the insurance provider? "

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.


3.3 Farmers’ financial incentives from buyers or input providers

Percentage of farmers who accessed credits, bonus, price subsidies or loans from buyers or providers.

They responded Yes to any of these three questions:

“During the last 12 months, did you or anyone in the household receive any loans from your buyers, or from your providers of inputs or equipment? Also answer -yes- if you received products -on credit- from them?”

and/or

“During the last 12 months, did you or anyone in your houseold receive any type of price bonus or price subsidy, to stimulate climate friendly production?”

and/or

“During the last 12 months, did you or anyone in the household have a formal delivery contract to sell your products?”

Type of incentive N Percentage of farmers
Farmers Formal Contracts 141 1%

3.3.1 Farmers’ financial incentives from buyers or input providers (gender disaggregated)

Percentage of men or women farmers who accessed credits, bonus, price subsidies or loans from buyers or providers.

They responded Yes to any of these three questions:

“During the last 12 months, did you or anyone in the household receive any loans from your buyers, or from your providers of inputs or equipment? Also answer -yes- if you received products -on credit- from them?

and/or

“During the last 12 months, did you or anyone in your houseold receive any type of price bonus or price subsidy, to stimulate climate friendly production?

and/or

“During the last 12 months, did you or anyone in the household have a formal delivery contract to sell your products?

Type of incentive Number of farmers N Percentage of farmers
Formal Contracts Male 141 1%

3.4 Farmers’ access to value chain training

Percentage of farmers who answered Yes to either the question: “Did you or anyone in you or anyone in your household receive training on Agri-business development?”, and/or to the question: “Did you or anyone in your household receive training on use of financial products or services (e.g. credit, insurance)?”

Number of farmers Value chain training type N Percentage of farmers
Farmers Training on Agri-business development 141 1%

3.4.1 Farmers’ access to agribusiness training (gender disaggregated)

Percentage of men and women farmers that answered “Yes” to the question: “Did you or anyone in you or anyone in your household receive training on Agri-business development?”

Number of farmers N Percentage of farmers
Male 141 1%

There were no households that received training on agricultural business development


3.4.2 Farmers’ agribusiness training source (gender disaggregated)

Percentage of farmers, men or women how responded to the question: “From whom did you or anyone in your household receive the training?”

Number of farmers N Relative, neighbor or expert within the community
Farmers 1 100%

Percentage of farmers, men or women how answered to the question: “From whom did you or anyone in your household receive the training?”

Number of farmers N Relative, neighbor or expert within the community
Male 1 100%

3.4.3 Access to additional support for agribusiness training

Percentage of farmers, men or women, who answered “Yes” to the question: “Did you receive any other support from that organization?”

There were no farmers who answered the question: Did you receive any other support from that organization?

3.4.4 Farmers’ access to financial training (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: “Did you or anyone in your household receive training on use of financial products or services (e.g. credit, insurance)?”

There were no households that received training on the use of financial products or services


3.4.5 Farmers’ financial training source (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: “From whom did you receive the training?”

There were no farmers who received other support from that organization


2019-12-04