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The Agricultural Development Fund (ADF) is a standalone government owned financial institution with the fundamental purpose of making credit available to the agriculture sector. The target clientele of the ADF includes small commercial farmers. As well as agribusinesses engaged in distribution of agricultural inputs, producers of high-value crops, processors and exporters of agricultural products.
ADF functions as a wholesale lender, channeling credit through financial and non-financial institutions. Agricultural credit provided by the ADF is enabling farmers and other players in the agriculture sector to put in practice modern production, processing and market development practices acquired in the last decade.
ADF is working in conjunction with ministry of Agriculture, Irrigation and Livestock. www.mail.gov.af
With a view to bringing the working days of the Agricultural Development Fund (which is a part of the Ministry of Agriculture, Irrigation and Livestock) in sync with the other offices of the Government of Islamic Republic of Afghanistan, it has been decided to change the working days for the ADF. With effect from 3rd January 2019, Saturdays to Wednesdays.
On January 15, 2019, His Excellency Mr. Nasir Ahmad Durani, Minister of Agriculture, Irrigation and Livestock and Chairman of the ADF High Council had a-three-day trip to Herat province to inaugurate a number of irrigation projects located in Zandajan and Karokh districts of Herat province. During his visit, he also laid the foundation stone of Afghanistan Saffron Institute and visited some agribusinesses situated within Herat Industrial Park.
During the visit to agribusinesses, the ADF team of Herat joined the delegation. Most of the agribusinesses requested the Minister to extend their support with respect to expansion of their market and enhancement of their products. During his explanations, Mr. Durani indicated to the owners of agribusinesses that ADF was there that could possibly help with provision of financial support. He stated that ADF offers several lending products that can meet your credit needs. The ADF representative briefed the attendees regarding the available credit facilities with the ADF and asked them to pay a visit to the ADF Office in Herat for further discussions.
On 6th March 2019, Herat ADF Team conducted an Ag-Shura for 34 representatives of agricultural and livestock cooperatives who are located in districts of Herat ( Karokh, Ghoriyan, Zandajan, Gozarah and Injil) on Wednesday 6th March 2019. In Herat DAIL conference room.
The Ag-Shura opened by Mr. Mohammad Yar Sahebzadah General Director of Cooperatives, he explained about positive impact of loan on expanding the cooperatives’ businesses. He explained about ADF loan which has better facilities comparing to other financial institutions. He said ADF provides:
- Islamic loan.
- Lower mark up for the loan.
- Longer period loan.
- Technical services for better investment of loan and marketing.
- Grace period for the loan.
- Seasonality repayment.
He added that there are 187 agricultural and livestock cooperatives in Herat Province with about 21,000 farmers who are members of cooperatives, he persuaded all representatives of cooperatives to apply for the ADF loan because ADF provides Islamic Loan with the best facilities for agricultural and livestock cooperatives.
Mr. Bashir Ahmad Bahadori head of Herat Agricultural and Livestock Cooperative Shura also had a speech, he said’’ the cooperatives should use from loan because ADF provides agricultural and livestock loan with the good facilities and cooperative should uses from all opportunities to grow their businesses, he added the cooperatives are more active than before and they have business plans to grow their businesses, he asked all interested representatives of cooperatives to meet the ADF team and apply for the loan soon.
Herat ADF Team presented a presentation about ADF loan facilities and procedures by detail to participants also Mr. Zabiullah Hayat, ADF Islamic Finance Manager, explained to participants about positive impact of ADF loan on agricultural cooperatives in Bamayan Province, He said the Baymayan cooperatives applied and received the ADF loan, the requested loan invested in production of potato and the cooperative members increased their productions and paid the ADF loan first loan and applied for the ADF second and third loan.
He persuaded the cooperative board members to apply for the ADf loan and expand their businesses, he added ADF provides good opportunities for cooperatives with better facilities.
The representative of DAI/ AVC/ Crops project, Mr. Frogh presented a presentation about the CROPS project and procedures.
At the end of Ag- Shura, the participants had open discussion, the participants asked questions about the ADF loan procedures and loan criteria, the questions of participants answered by the ADF team, also Herat Technical Team explained about the technical services that ADF provides besides the loan especially about the marketing for their productions through participating in exhibitions and linking them with processors companies that are ADF clients and they are located in other regions.
On January 2019, the ADF team of Mazar-e-Sharif in close collaboration with Balkh Directorate of Agricultural, Irrigation and Livestock conducted a workshop to present ADF to farmer cooperatives operating in Balkh Province. Manager and members of Cooperatives Unit from Balkh DAIL, representatives from Balkh Chamber of Commerce and Industries, Heads of 17 Cooperatives were the participants of the event. At the outset, Mr. Abdul Ghani Faqiryar (Cooperatives Manager) spoke about needs of farmers and their frequent requests of having access to finance, and declared appreciation from ADF for providing such opportunity to inform farmers of ADF presence to meet their credit needs. Afterward, the ADF team delivered a comprehensive presentation focusing on lending eligibility/criteria, and procedures, which was most welcomed by participants. The presentation then was followed by questions and answers sessions. At the end, most of the participating cooperative expressed their interest and willingness to apply for ADF loans.
Recently, the ADF team of Kandahar held a meeting with Kandahar DAIL to further strengthen and enhance coordination between ADF and DAIL. In this meeting, Kandahar DAIL Director talked about the existing businesses involved in various agriculture sectors and discussed the available opportunities the ADF should not miss. The DAIL Director explained about volumes of fish meat produced by over 1,500 small and large fish farms in Kandahar province. He also stated that there are many poultry farms and other livestock and dairy farming. The ADF team also talked about the services the ADF can extend to support the agribusinesses with respect to their credit needs. The team discussed many ways to reach the businesses, among them was arranging an agriculture Credit Shura be participated by farmer Unions, Cooperatives, agribusinesses, fish and poultry farms to get acquainted with the ADF lending opportunities and participation procedures. DAIL Director appreciated the ADF efforts and promised to extend his support to extend possible.
To stimulate growth of Afghanistan's agricultural sector by providing farmers and agribusinesses with access to financial services to increase productivity, improve the quality of their crops and harness market opportunities. This will support the MAIL's broader goals of restoring Afghanistan's licit agricultural economy & contribution.
Groups of small commercial farmers and business entrepreneurs engaged in agriculture, and who have a viable business idea can approach the ADF offices in Jalalabad, Herat, Mazar-e-Sharif, Bamyan or Kabul. Depending on the scale of their operation, experienced lending advisors will initiate a loan application, or will refer them to some of ADF's lending partners.
Financial intermediaries and agribusiness entrepreneurs borrowing funds from the ADF can access a variety of services to improve the productivity and quality, to reduce post-harvest loses and to access new markets. The ADF provides these services to ensure the success of agribusiness endeavors and thereby enable its clients to honor their obligation to repay the loans.