Articles by Sowmya Suryanarayanan
From Planning to Execution: Using Value Chain Approach to Lending to Smallholder Farmers and Agribusiness
Lack of financial data about agribusinesses and smallholder farmers makes it even more difficult to adopt conventional methods of credit assessment. Most plain vanilla financial products are ill-suited to the cash flow requirements of an agribusiness, which is often cyclical in nature. But where most financial institutions see a challenge, we at Samunnati saw an opportunity in lending to smallholder farmers and agribusinesses.
Commercial micro-grid enterprises that provide reliable power supply are gradually building trust among low-income consumers in India. Mechanisms to enhance payment and collection are a big component of this effort. Sowmya Suryanarayanan of Intellecap’s Research Team explores the challenges these companies face, and how they overcome them.