FAO.org

Loan appraisal is a critical step in the risk management processes of financial institutions, and has a direct impact on portfolio quality and institutional viability. In this sense, the demands of traditional loan appraisal for agricultural households make capital inaccessible to many agricultural clients. The Agriculture Loan Analyzer tool helps to facilitate agricultural loan appraisals based on cash-flow analysis. Target users: financial institutions (loan officers, credit analysts, other agricultural lending practitioners), central banks, donors, policy makers. Supports the risk management processes and capacities of these stakeholders in the design of sustainable and inclusive financial services.