Development in Practice Pub Date : 2020-10-20 , DOI: 10.1080/09614524.2020.1828828 Dyutiman Choudhary , Kamal Banskota , Narayan Khanal , Prithvi Gyawali
ABSTRACT
Finance is vital for commercialising seed businesses and the Government of Nepal has launched a priority sector-lending plan (PSLP) for financing agriculture. This article assesses the use and role of finance and the challenges in accessing PSLP loans, using interviews with 197 farmer households and stakeholders. The results show that awareness about PSLP can increase gross margins by 46%, but farmers have yet to take on PSLP loans. Bankers lack the agribusiness knowledge to support PSLP. The study recommends that policymakers and bankers harmonise policies and PSLP implementation by aligning loans with cropping cycles, farmers’ institutions, seed value chains and effective outreach.
中文翻译:
融资渠道在尼泊尔小农种子业务增长中的作用
摘要
融资对于种子企业的商业化至关重要,尼泊尔政府已经启动了一项优先的部门贷款计划,以资助农业。本文通过对197个农户和利益相关者的访谈,评估了融资的用途和作用以及获得PSLP贷款时面临的挑战。结果表明,对PSLP的认识可以使毛利率提高46%,但农民尚未获得PSLP贷款。银行家缺乏支持PSLP的农业综合企业知识。该研究建议政策制定者和银行家通过使贷款与种植周期,农民机构,种子价值链和有效推广相协调,来协调政策和PSLP的实施。