3 Financial services
3 Financial services
- 3.1 Access to credit
- 3.2 Access to insurance
- 3.2.1 Farmers’ access to agricultural insurance (gender disaggregated)
- 3.2.2 Farmers’ agricultural insurance type
- 3.2.3 Farmers’ agricultural insurance provider (gender disaggregated)
- 3.2.4 Farmers’ access to “climate intended” agricultural insurance (gender disaggregated)
- 3.2.5 Farmers’ access to insurance payouts (gender disaggregated)
- 3.3 Farmers’ financial incentives from buyers or input providers
- 3.4 Farmers’ access to value chain training
- 3.4.1 Farmers’ access to agribusiness training (gender disaggregated)
- 3.4.2 Farmers’ agribusiness training source (gender disaggregated)
- 3.4.3 Access to additional support for agribusiness training
- 3.4.4 Farmers’ access to financial training (gender disaggregated)
- 3.4.5 Farmers’ financial training source (gender disaggregated)
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 | 140 | 26% |
| Female | 6 | 50% |
| Male | 134 | 25% |
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 |
|---|---|---|
| Babuana | 20 | 60% |
| Kalibari | 20 | 5% |
| Krishnanagar | 20 | 30% |
| Kuraltala | 20 | 45% |
| Pathuria | 20 | 15% |
| Santikhali | 20 | 15% |
| Shabokhali | 20 | 10% |
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 | Cooperative or Microcredit Institution | From a bank (formal credit) |
|---|---|---|---|---|
| Farmers | 35 | 89% | 11% | 3% |
Percentage of farmers, men or women how answered to the question: “From whom did your household borrow the money?”
| Number of farmers | N | NGO | Cooperative or Microcredit Institution | From a bank (formal credit) |
|---|---|---|---|---|
| Female | 3 | 67% | 33% | 0% |
| Male | 32 | 91% | 9% | 3% |
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 |
|---|---|---|
| Farmers | 36 | 100% |
| Female | 3 | 100% |
| Male | 33 | 100% |
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 |
|---|---|---|---|
| Babuana | Loan for <b>less</b> than 1 year | 12 | 100% |
| Kalibari | Loan for <b>less</b> than 1 year | 1 | 100% |
| Krishnanagar | Loan for <b>less</b> than 1 year | 6 | 100% |
| Kuraltala | Loan for <b>less</b> than 1 year | 9 | 100% |
| Pathuria | Loan for <b>less</b> than 1 year | 3 | 100% |
| Santikhali | Loan for <b>less</b> than 1 year | 100% | |
| Shabokhali | Loan for <b>less</b> than 1 year | 2 | 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 make infrastructure investments | To pay labour time | To purchase management / production inputs |
|---|---|---|---|---|---|
| Farmers | 36 | 8% | 53% | 3% | 36% |
| Female | 3 | 0% | 67% | 33% | 0% |
| Male | 33 | 9% | 52% | 0% | 39% |
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 |
|---|---|---|---|
| Babuana | To make infrastructure investments | 12 | 50% |
| To purchase management / production inputs | 50% | ||
| Kalibari | To make infrastructure investments | 1 | 100% |
| Krishnanagar | To make infrastructure investments | 6 | 33% |
| To purchase management / production inputs | 67% | ||
| Kuraltala | To make infrastructure investments | 9 | 78% |
| To purchase management / production inputs | 22% | ||
| Pathuria | To make infrastructure investments | 3 | 100% |
| Santikhali | Other | 67% | |
| To purchase management / production inputs | 33% | ||
| Shabokhali | Other | 2 | 50% |
| To pay labour time | 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 | 36 | 56% |
| Female | 3 | 67% |
| Male | 33 | 55% |
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 | 36 | 64% |
| Female | 3 | 67% |
| Male | 33 | 64% |
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 | Price bonus or subsidy | 140 | 1% |
| Formal Contracts | 140 | 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 |
|---|---|---|---|
| Price bonus or subsidy | Male | 134 | 1% |
| Formal Contracts | Male | 134 | 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)?”
There were no who answered the question: Did you or anyone in you or anyone in your household receive training on Agri-business development? nor to the question: Did you or anyone in your household receive training on use of financial products or services (e.g. credit, insurance)?
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?”
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? /n /n There were no farmers who received training
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