1. Inauguration: A-card Smallholders’ Access to Microfinance through Bank
USAID Agricultural Extension Support Activity
Presented by
Bidyuth K. Mahalder
17 August 2016

2. Smallholders’ Access to Microfinance through Bank
A-Card Model

3. A-Card 1 2 Smallholders’ Access to Microfinance through Bank Model
PROJECT ORGANIZES & TRAINS FARMER GROUPS
and links them to NGOs with MFIs
NGOs WITH MFIs REGISTERS FARMERS
while farmers create saving deposits 1 2
Copyright © 2016, USAID Agriculture Extension Support Activity

4. A-Card 3 4 Smallholders’ Access to Microfinance through Bank Model
STRIKE A TRIPARTITE PACT WITH PROJECT, NGOs with MFIs & COMMERCIAL BANK
project takes care of farmer training while MFIs and Bank reaches a financial agreement regarding agent banking and providing credit security to farmers
IDENTIFY INPUT RETAILERS & ORIENT THEM WITH A-CARD
these retailers operates an account through agent banking 3 4
Copyright © 2016, USAID Agriculture Extension Support Activity

5. A-Card 5 6 Smallholders’ Access to Microfinance through Bank Model
FARMERS PURCHASE AGRO INPUTS FROM RETAILERS ON CREDIT
retailers use a mobile app to scan the A-Card and conducts an account-to-account cash transfer
FARMERS OPEN BANK ACCOUNT & RECEIVES A-CARD
A-Cards are provided through the advise of project & MFIs 5 6
Copyright © 2016, USAID Agriculture Extension Support Activity

6. A-Card 7 Smallholders’ Access to Microfinance through Bank Model
FARMER PAYS BACK THE CREDITED AMOUNT AFTER 6 MONTHS TO AGENT BANK BOOTHS
after 6 months and with 10% interest 7
Copyright © 2016, USAID Agriculture Extension Support Activity

7. THANK YOU Bidyuth K. Mahalder Chief of Party
USAID Agricultural Extension Support Activity
House 7, Road 2/1, Banani, Dhaka-1213
Copyright © 2016, USAID Agriculture Extension Support Activity
THANK YOU
Bidyuth K. Mahalder
Chief of Party
USAID Agricultural Extension Support Activity E: M: W: