The ADF is a non-bank financial institution launched with an initial contribution of US$100 million made by the US Government and it is expected that other donors will help increase the fund. The sole purpose of the ADF is to provide credit to the agricultural sector. It is crucial to keep in mind that the ADF is “owned” by the MAIL and should not be perceived as a USG activity.
ADF has offices in Kabul, Jalalabad, Mazar-e-Sharif, Kandahar and Herat; however the Fund has nationwide mandate. Contact details in the ADF brochure

  • Legally established in Afghanistan as a lending institution
  • Sound financial position assessed through audited financials and portfolio at risk
  • Currently engaged, or at least with a clear plan to engage in agricultural lending
  • A reasonably broad distribution of branches in the main agricultural areas of Afghanistan


  • Membership: Growing number of dues paying members representing significant segment of market
  • History: Functioning satisfactorily for at least one year with improving trends
  • Financial Management: Clear, easy to follow financial statements
  • Leadership: Good quality Afghan leadership, preferably one strong individual
  • Donor Involvement: Encouraged. Long-term donor presence; donor team ready and able to work with ADF for mutually agreed goals
  • Orientation: Strong commitment to free-market pricing and financial sustainability
  • Standing: Supported by MAIL

For Individual Businesses and Companies:

  • Articles of Incorporation
  • Business License
  • Tax Id #
  • Minimum 6 months in operation
  • Business Financials
  • Minimum Loan Amount:
  • USD100,000 or the equivalent in AFN
Once a loan has been approved, ADF can provide technical assistance in credit administration, marketing and in some cases production-related activities as a way to increase the likelihood of success of the borrowers’ operations
The Agriculture Development Fund (ADF) is an entity that will continue into the future. IT IS HERE TO STAY. Currently the ADF is considering loans with terms ranging between 6 months and 5 years
Sharia-compliant and conventional loans are provided. The rate ranges between 5 and 17 percent or the equivalent mark-up for Sharia-compliant loans, depending on the specific nature of the activity. For ADF financial and non-financial intermediaries that on-lend the ADF funds to farmers, ADF charges a rate that is closer to 5% or the equivalent mark-up for Sharia-compliant loans.
Yes. They are responsible for underwriting loans made to their borrowers. In the case of NFIs, Credit Management Units (CMUs), supported by the ADF, perform the underwriting process.
ADF welcomes expressions of interest from clients located in any part of the country. However, in the case of organizations with more than one branch, the requests should be submitted through their headquarters. Business ideas, concept notes and questions can be forwarded to ADF regional offices, or its main office in Kabul.

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