AGRICULTURAL CREDIT; POWERING INNOVATION

Salehi Dikundiwal Brothers Agricultural Service Company is one of 180 ADF clients in Kabul. The Company is producing vegetables in green houses and supplies fresh cucumbers, tomatoes, peppers and zucchini to wholesale dealers in Kabul, who in turn supply retail stores.

In Spring 2013, ADF provided Shariah Loan to finance plastic sheeting, drip irrigation equipment and a tractor. The borrower also used a portion of the loan to pay seeds, fertilizers, fuel and labor costs.


With the use of better quality inputs and equipment, the yield increased by 33% (from 3.75 Kg to 5 Kg per plant), resulting in an overall increase in production from 143 MT to 492 MT, equivalent of 349 percent. The Company also increased the number of greenhouses from 22 to 56 and employees from 22 to 60. In addition to the loan, the ADF provided Salehi Daikundiwal Brothers with technical assistance for the introduction of food safety and quality standards.


This is a clear example of how access to finance can modernize agriculture, increase productivity; contribute to the expansion of high technology operations, while creating job opportunities. All these benefits contribute to economic growth and social stability.

H.E. Mohammad Asif Rahimi, Minister of Agriculture, Irrigation and Livestock visited this ADF borrower and said "The ADF is one of the most successful initiatives supported by MAIL and is definitely the one that is unleashing the potential of Afghan agriculture".

To date the ADF has approved loans for over US$76 million. These loans are directly benefiting some 21,000 farmers in 30 provinces.

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