Partial credit guarantee and financial additionality for smallholders coffee cooperatives: experience from Ethiopia
SOURCE: Development in Practice
OUTPUT TYPE: Journal Article
PUBLICATION YEAR: 2021
TITLE AUTHOR(S): N.E.Gurmessa, C.Ndinda, C.Agwanda, M.Akiri
KEYWORDS: COFFEE INDUSTRY, CREDIT, ETHIOPIA, FINANCIAL CHALLENGES
DEPARTMENT: Public Health, Societies and Belonging (HSC)
Print: HSRC Library: shelf number 9812225
HANDLE: 20.500.11910/19295
URI: http://hdl.handle.net/20.500.11910/19295
OUTPUT TYPE: Journal Article
PUBLICATION YEAR: 2021
TITLE AUTHOR(S): N.E.Gurmessa, C.Ndinda, C.Agwanda, M.Akiri
KEYWORDS: COFFEE INDUSTRY, CREDIT, ETHIOPIA, FINANCIAL CHALLENGES
DEPARTMENT: Public Health, Societies and Belonging (HSC)
Print: HSRC Library: shelf number 9812225
HANDLE: 20.500.11910/19295
URI: http://hdl.handle.net/20.500.11910/19295
If you would like to obtain a copy of this Research Output, please contact Hanlie Baudin at researchoutputs@hsrc.ac.za.
Abstract
This study examined the effects of a partial credit guarantee in increasing lending to credit constrained farmer cooperatives under the Ethiopian context. The data were generated through questionnaire survey, key informant interviews, focus group discussions, and from banks' and cooperatives' records. The scheme improved financial additionality among the targeted cooperatives, but it had limited reach and impacts on terms and conditions of loans. Factors related to borrower cooperatives, lending banks, scheme design and operation, regulatory and business environments affect its effectiveness. This calls for broader interventions that enable loan guarantees to be effectively utilised and generate the desired outcomes.-
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