Financial Services Institutions Support Value Chain Actors
Financial services institutions play a vital role in supporting various actors within the value chain, including exporters, wholesalers, banks, processors, and non-bank financial institutions. This ecosystem also involves technical training, business support, local traders, private investors, specialized services, producer groups, cooperatives, farmers, and more. The flow of products and finance along the value chain is crucial for the success and growth of these entities.
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s[lif tyf kz'kG5L shf{ ;DjlGw gLltut Joj:yf Pj+ Jofh cg'bfg ;DjGwL sfo{ljlw /fli6 o ls;fg cfof]u, sf7df08f}+ @)&$.)^.)$ s[lif ljsf; dGqfno
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s[lif shf{ ;Gbe{=== Gf]kfnsf] s[lif If]qsf] ljlQo ;]jfdf cgf}krfl/s dfWod xfjL /x]sf] Uf|fld0f shf{ ;j]{If0fM u|fld0f If]qdf hDdf shf{sf] *) cgf}krfl/s If]qn] cf]u6]sf] Gf]kfn ;/sf/jf6 u|fld0f ljQ If]qsf] ljsf;sf] nflu ljleGg k|of;x? x'Fb} cfPsf] s[lif ljsf; a}+ssf] :yfkgf, g]kfn cf}Bf]lu ljsf; lgudx? Vff]lnP]sf ;g\ !(() lt/ cfly{s pbfl/s/0fsf] gLlt lnP kl5 ljlQo If]qdf ;'wf/ cfPsf] ljz]ifu/L ljsf; a}+s P]g !((^ nfu' eP kl5 ljlQo If]qdf lglh a}+sx? cfPsf t/}klg u|fld0f ljlQo If]qdf ;f]r] h:tf] ljsf; x'g g;s]sf] u|fld0f If]qdf a}+s tyf ljlQo ;+:yfx? nufgL ug{ clgR5's /xb} cfPsf
Financial Services Institutions Support Services Value Chain Actors Exporters / Wholesalers Banks Technical Training Processors Non-bank Financial Institutions Business Training Local Traders & Processors Private Investors & Funds Specialized Services Producer Groups Cooperatives / Associations Farmers Local MFIs / Community Orgs Governmental Certification/Grades Input Suppliers Product Flows Financial Flows Fig. Flow of Products and Finance along VC
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lgltut Joj:yfx?====== s[lif ljsf; /0fgLlt, @)&@ n] s[lif shf{nfO{ k|d'v d'b\bfsf] ?kdf /fvL t];|f] pknAwL kmfObfhgs Joj;foLs/0fsf] nflu shf{ kl/df0f / kx'Frdf a[l4 ug]{ nIo /fv]sf] Rff}wf}+ lqjlif{o of]hgfdf ;'ne s[lif shf{sf] Joj:yf ug]{ sfo{gLlt ljlEfGg ah]6 jQmJox?df s[lif shf{df cg'bfgsf] s'/f pNn]v x'Fb} cfPsf] cf=j=)&$.&% ah]6 aQmJo df s[lif tyf kz'kG5L shf{sf] Aofhdf % cg'bfgnfO{ lg/Gt/tf lbOPsf] . -a'Fbf ^(_ df}lb|s gLlt, @)&$ df Joj;flos s[lif tyf kz'kG5L shf{df cg'bfg Pj+ ;x'lnot nufot ljleGg s'/fx? pNn]v ul/Psf] .
df}lb|s gLlt )&$&% sf sh{f ;DjGwL Joj:yfx?
shf{ k|jfx nIo k|fylds If]q ljkGg au{ a}+s lsl;d hDdf @% s[lif If]q !) hnljB't % ko{6g % cGo % s au{ % Vf au{ !% $=% u au{ !) $ hnljB't, s[lif, ko{6g, lgof{t, ;fgf Pj+ demf}nf pBf]u, cf}ifwL pTkfbg, l;d]G6, ufd]{G6, nufotsf pTkfbgzLn If]qnfO{ ;dfj]z u/L k|fyldstf If]qsf] ?kdf kl/eflift ug]{ elgPsf] . lakGg au{ shf{ M ;fgf tyf demf}nf pBf]u, Joj;flos s[lif kl/of]hgfsf] lwtf]df k|jfx ul/g] ?= !) nfv ;Ddsf] kl/of]hgf shf{x?, l/S;f rfnsx?nfO{ cfkm\g} :jfldTjdf l/S;f vl/b ug{ lbO{g] shf{ .
shf{ ;DjlGw ljz]if Joj:yf s[lif, phf{, ko{6g, ;fgf tyf demf}nf cGo pTkfbgd'ns Joj;fodf x'g] a}+s shf{ k|jfxnfO{ df}lb|s gLltdf pRr k|fyldstf lbPsf] . s, v / u ju{sf a}=lj=;+:yfnfO{ !$ b'u{d lhNnfdf zfvf vf]n] lglZrt ;dosf] nflu ! s/f]8 lgJof{hL ;fk6L lbg] . ;+l3o ;+/rgf cg';f/ :fj} :yfgLo txdf a}ssf] zfvf vf]Ng] gLlt Joj;flos kl/of]hgf lwtf] /fv]/ shf{ k|jfx ug]{ s'/f pNn]v /x]sf] o'jf :j/f]huf/ sf]if <<
n3'ljQ ;+:yfjf6 k|jfx x'g] sh{f ;DjGWfdf M ljkGg tyf Go'Gf cfo ePsf JolQmnfO{ ;fd'lxs hdfgLdf Joj;fo ;~rfng ug{ k|lt ;d'x ;b:o ?= ! b]lv # / # b]lv % nfv ;Dd shf{ -c;n au{_ ljkGg tyf Go'Gf cfo ePsf JolQmnfO{ lwtf] lnO{ Joj;fo ;~rfng ug{ k|lt ;d'x ;b:o ?= # b]lv % / % b]lv & nfv ;Dd shf{ -c;n au{_ ;d'xdf cfj4 gePsf ljkGg tyf Go'g cfP ePsf JolQmnfO{ lwtf] lnO{ ?=^) xhf/ b]lv # nfv ;Dd shf{ . g=phf{ M ;f]nf/ l;:6d jf afof]Uof; k|of]hgsf] nflu k|lt kl/jf/ ^) xhf/ b]lv @ nfv . a}=lj=;+:yf gePsf uflj;x?df :jLs/fof]Uo lwtf]df ;d'xdf cfj4 ePsf jf gePsf JolQmx?nfO{ n3' pBd ;~rfng ug{ ?= & b]lv !) nfv .
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If]q cg';f/ shf{ k|jfx l:ylt k|fylds If]q ljkGg au{ )&$.& % nIo )&#.&$ h]7 d;fGt )&@.& # h]7 d;fGt )&$.& % nIo )&#.& $ r}q ;DDf %=* )&#.&$ r}q ;DDf ;du| a}+s s au{ @% !&=% !^=* % %=( / !)# cj{ @ s/f]8 Vf au{ !% $=% ^=* u au{ !) $ $=^
laleGg cfly{s aif{x?df k|jflxt s[lif shf{ -?= !) nfvdf_ 90000 80000 70000 60000 50000 40000 30000 20000 10000 0 2013/14 2014/15 2015/16 2016/17* * klxnf] cf7 dlxgfdfq
a}s tyf ljlQo ;+:yfaf6 s[lifdf k|jflxt shf{ cf=j= shf{sf] lsl;d 2013/14 2014/15 2015/16 2016/17* Vf]tLkftL ;DjGwL ;]jf lrof Kfz'kfng Pj+ ;DjlGWft ;]jf ag, df5fkfng tyf awzfnf cGo s[lif tyf s[lifhGo ;]jf hDDff 6686.9 7998.3 10347.9 11613.3 3207.9 3479.9 3421.8 2824.8 15442.2 20730.1 28761.7 32102.6 5791.3 1769.3 2010.1 1370.2 19781.7 31182.2 34249.9 37542.1 50909.8 65159.8 78791.5 85453.1 * klxnf] cf7 dlxgfdf
s[lif shf{ lsl;d 13% 4% Vf]tLkftL ;DjGwL ;]jf 44% lrof Kfz'kfng Pj+ ;DjlGWft ;]jf ag, df5fkfng tyf awzfnf 35% 4% gf]6 M rf/ aif{sf] hf]8sf] cfwf/df
Joj;flos s[lif tyf kz'kG5L shf{df k|bfg ul/g] Aofh cg'bfg ;DjGwL sfo{ljlw, @)&#
Kf[i7e'dL Gf]kfn ;/sf/sf] cf=j=@)&!.&@ sf] ah]6 jQmJosf] a'Fbf g+= &^ / cf=j= )&#.&$ sf] ah]6 jQmJosf] a'Fbf g+=!)( df pNn]v ePadf]lhd s[lif tyf kz'kG5L shf{sf] Aofhdf cg'bfg ;DjlGw cg'bfgsf sfo{ljlwx? ag]sf . klxnf] sfo{ljlwM o'jfx?nfO{ s[lif shf{df k|bfg ul/g] Aofh cg'bfg ;DjGwL sfo{ljlw, @)&! ag]sf] . -g]kfn ;/sf/, dGqL kl/ifb, lg0f{o ldlt @)&!.)^.)@_ bf];|f] sfo{ljlwM Joj;flos s[lif tyf kz'kG5L shf{df k|bfg ul/g] Aofh cg'bfg ;DjGwL sfo{ljlw, @)&# -g]kfn ;/sf/, dGqL kl/ifb, lg0f{o ldlt @)&#.!@.)@_ g]kfn /fi6 a}+sn] @)&#.!@.!* df kl/kq hf/L . bf];|f] sfo{ljlw kl5 klxnf] sfo{ljlw vf/]h ePsf] .
Aofh cg'bfg ;DjGwL Joj:yf -Af'Fbf g+ #_ k|jflxt x'g] shf{df g]kfn ;/sf/n] % Jofh cg'bfg lbg] . a}+s tyf lj=;+:yfn] C0fLaf6 Aofh afx]s % eGbf a9L Aofh glng] . shf{sf] clwstd :fLdf & s/f]8 /xg] . shf{sf] ;fFjf tyf Aofh e'QmfgL cjlw tLg dlxgf eGbf sd gx'g] . k|To]s a}+s tyf lj=;+:yfn] k|jfx ug]{ shf{sf] z'? ;Ldf # c/a x'g] . ;+:yfn] yk ;Ldfsf nflu g]=/f=a}+s ;+u cu|Ld :jLs[lt lng' kg]{ . Aofh cg'bfg lbOg] shf{sf] e'QmfgL cjlw a9Ldf % aif{sf] x'g] . ;+:yfn] shf{ k|jfx ubf{ pTkfbgdf k|of]u ul/g] hdLg, jf
Aofh cg'bfg /sdsf] e'QmfgL k|ls|of -j'Fbf $_ Jofh cg'bfgsf] nflu g]kfn /fi6 a}+saf6 ;~rfng x'g] u/L s[lif shf{ Jofh cg'bfg zf]wegf{ gfdsf] Pp6f vftf vf]Ng]5 . Gf]kfn ;/sf/, cy{ dGqfnon] ?=%) s/f]8 hDdf ug]{5 . /sd gk'u ePdf s]Gb|Lo ;dGjo tyf cg'udg ;ldltsf] l;kmfl/zdf /sd yk x'g] . C0fLn] q}dfl;s cjlwdf e'Qmfg ug'{kg]{ shf{ /sd e'QmfgLsf] k|df0f ;lxt ;+:yfn] g]kfn /fi6 a}+sdf Jofh cg'bfgnfO{ lgj]bg lbg' kg]{ . g]kfn /fi6 a}+sn] Aofhdf lbg' kg]{ cg'bfg zf]wegf{vftfaf6 zf]wegf{ ug]{ .
Aofh cg'bfg /sd dfu ug]{ C0fLn] ug'{ kg]{ sfo{ -a'Fbf ^_ sfo{ljlwsf] cg';'rL @ sf] 9fFrfdf ;DjlGwt a}+s lj=;+:yfdf lgj]bg lbg] shf{sf] ;fFjf Jofh /sd ;dod} e'QmfgL ug]{ . shf{ ;'/lIft ug{sf nflu a}+s lj=;+:yfn] dfu]sf ljj/0f pknAw u/pg] / tf]s]sf] zt{x?sf] kfngf ug]{ . Hf'g p2]Zosf] nflu shf{ lnPsf] xf] ;f]xL p2]Zosf nflu dfq shf{ nufgL ug'{ kg]{5 . ;b'kof]u ePsf] gkfOPdf Jofh cg'bf lbOg] 5}g . a}+s ljQLo ;+:ysf] sfd st{Jo / clwsf/ -a'Fbf &_ kl/of]hgfsf] ;DefJotf tyf shf{sf] ;b'kof]u x'g] cfwf/df shf{ lbg] shf{ lbg g;lsg] eP To;sf] :ki6 sf/0f lbg] . C0fLn] cg'bfg kfpg] Jofh /sd afx]s c? Jofh /sd c;'n u/]sf] k|df0f ;lxt g]kfn /fi6 a}+s ;+u zf]wegf{ dfu ug]{ .
a}+s ljQLo ;+:ysf] sfd st{Jo / clwsf/ -a'Fbf &_ kl/of]hgfsf] ;DefJotf tyf shf{sf] ;b'kof]u x'g] cfwf/df shf{ lbg] shf{ lbg g;lsg] eP To;sf] :ki6 sf/0f lbg] . C0fLn] cg'bfg kfpg] Jofh /sd afx]s c? Jofh /sd c;'n u/]sf] k|df0f ;lxt g]/fa} ;+u zf]wegf{ dfu ug]{ . shf} ;DjGwL q}dfl;s ljj/0f tflsPsf] 9fFRffdf !% lbg leq g]/fa}df lbg] . clgjfo{ ?kdf ;b'kof]lutf lg/LIf0f ug]{ / clen]v /fVg] . shf{sf] Jofhb/ nufgL cjlwe/ j[l4 ug{ gkfO{g] . g]/fa}+af6 cg'udg x'Fbf shf{ ;b'kof]u ePsf] gkfOP ;f]wegf{ glbg]
Gf]kfn /fi6 a}+ssf] sfd st{Jo / clwsf/ -a'Fbf *_ cg'bfg /sd s[lif shf{ Aofh cg'bfg zf]wegf{ vftfaf6 ;DjlGWft a}+s lj=;+:yfnfO{ zf]wegf{ /sd pknAw u/fpg] . zf]wegf{ pknAw u/fPsf] /sdsf] q}dfl;s ljj/0f cYf{ dGqfnonfO{ lbg] sfo{ljlw sfof{Gjog ug{ cfjZos lgodg, lgl/If0f / ;'kl/j]If0f ug]{ . shf{ lgl/If0f ubf{ p2]Zo cg'?k ePsf] gkfOP k|rlnt sfg'g tyf g]kfn /fi6 a}+sn] hf/L u/]sf] lgb]{zg adf]lhd sf/jfxL ug]{ .
s]lGb|o ;dGjo tyf cg'udg ;ldltsf] u7g / sfd st{Jo clwsf/ -a'Fbf (_ s= 8]k'6L ueg{/, g]/fa}+ -a}+s ljQLo ;+:yf lgodg la=_ Vf= sfo{sf/L lgb]{zs, g]/fa}+ -a}+s ljQLo ;+:yf lgodg_ ;+of]hs ;b:o u= ;x;lrj, cy{ dGqfno ;b:o 3= ;x;lrj, s[lif ljsf; dGqfno ;b:o = ;x;lrj, kz'kG5L ljsf; dGqfno ;b:o Rf= cWoIf, g]kfn a}+sz{ Pzf]l;o;g ;b:o 5= lgb]{zs, g]/fa}+ -a}+s ljQLo ;+:yf lgodg la=_ sfd st{Jo clwsf/ -a'Fbf !)_ cg'bfg ;DjGwL Joj:yfsf] k|efjsf/L ?kdf sfof{Gjogsf nflu cfjZos ;dGjo, cg'udg ug]{, lg/LIf0f u/fpg], afwf c8rg km'sfpg], sfo{ljlwsf] AofVof ug]{, Joj:yfdf x]/km]/ ug'{ k/]df k'g/fjnf]sgsf nflu g]kfn ;/sf/, cy{ dGqfno ;dIf l;kmfl/z ug]{ . ;ldltsf] ;lrjfno g]=/f=j}=, a}+s tyf ljQLo ;+:yf lgodg ljefudf /xg] . ;b:o ;lrj
lhNnf :t/Lo ;dGjo tyf cg'udg ;ldltsf] Joj:yf -a'Fbf !!_ ;+of]hs s= lhNnf s[lif ljsf; sfof{no, k|d'v ;b:o Vf= lhNnf kz' ;]jf sfof{no, k|d'v ;b:o u= g]=/f=a}= ;DjlGwt lhNnfl:yt sfof{nosf cg';Gwfg PsfO{ k|d'v -cfkm\gf] sfof{no /x]sf] lhNnfdf dfq_ ;b:o 3= /fli6 o afl0fHo a}+s g]kfn a}= ln= s[lif lj=a}= dWo]af6 Pshgf zfvf sfof{no k|d'v ;b:o = cGo a}+s tyf ljQLo ;+:yfaf6 Pshgf zfvf sfof{no k|d'v ;b:o Rf= k|d'v, sf]if tyf n]vf lgoGqs sfof{no ;b:o ;lrj 5= k|ltlglw, :yfgLo tx
lhNnf :t/Lo ;dGjo tyf cg'udg ;ldltsf] sfd st{Jo clwsf/ -a'Fbf !@_ shf{ tyf cg'bfg ;DjGwdf s[ifsx? Tfyf :yfgLo ?kdf k|rf/ k|;f/ ug]{ . lhNnfdf shf{nfO{ ;xh kfg{ ;d'lrt Joj:yf ldnfpg] . shf{ ljt/0f ;DjGwdf s[ifsx?sf u'gf;fnfO{ oyf]lrt ;Djf]wg ug]{ . lhNnfsf] shf{ ljj/0f tof/ u/L s]lGb|o ;=c=;dltdf k]z ug]{ . s]lGb|o ;=c=;ldltsf] lgb]{zg kfngf ug]{ u/fpg] . s]lGb|o ;=c=;ldltn] tf]s]sf sfo{x? ug]{ .
Uf'gf;f] ;DjGwL Joj:yf -a'Fbf !#_ sfo{ljlwsf] sfof{Gjogsf s|ddf a}+s tyf ljQLo ;+:yfn] shf{ k|jfx gu/]sf], s[lif tyf kz'kG5L Joj;foLn] ;]jf ;'ljwf gkfPsf] tyf C0fsf] ;b'kof]u gePsf] nufotsf u'gf;f] ;'Gg] tyf ;f]sf cfwf/df cfjZos sfd sf/jfxL cufl8 a9fpg] sfo{ s]lGb|o ;dGjo tyf cg'udg ;ldlt tyf lhNnf:t/Lo ;dGjo tyf cg'udg ;ldltn] ug]{5 . vf/]hL tyf ahfp -j'Fbf !%_ != g]kfn ;/sf/, cy{ dGqfnoaf6 hf/L ul/Psf] o'jfx?nfO{ s[lif shf{df k|bfg ul/g] Aofh cg'bfg ;DjGwL sfo{ljlw, @)&! vf/]h ul/Psf] . @= pkbkmf ! Afdf]lhd vf/]h ul/Psf] sfo{ljlwadf]lhd eP u/]sf sfd sf/jfxL o;} sfo{ljlwadf]lhd ePsf] dflgg]5 .
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