clients, without adequate capacities to make productive investments, would
require access to non-financial services in addition to those of financial
nature. These services may take the form of training to build specific skills
like marketing and financial management and promotion of economic opportunities
specifically suited for the local context.
non-financial services provided by MDF include but are not limited to Technical assistance (TA), Advisory services
(AS) and Small grants (SG), inimitably tailored for its clientele groups.
component will support farmers to have access to new farming technologies,
seeds, small equipment and different input suppliers with proven reputation.
The TA efforts will also help small farmers to access and utilize resources
from various donors, particularly by helping them in writing business plans,
proposals, budgeting and basic accounting.
component will encourage access and use of new farming and processing technologies
and innovative approaches, advise seasonal planning, marketing and establishing
cooperation of farmers.
component will encourage new and ecologically sound farming, to cope with
unstable cash flows, risks associated with weather, dealing with perishable
products, etc. Small grants will be provided to a limited number of farmers who
find borrowing the first loan too costly/risky to start a new and innovative
Both financial and non-financial
services are offered by MDF. To be noted that financial services are being
provided via KAMURJ, the subsidiary universal credit organization. Non
financial services are provided by MDF, which is the non-financial block of the
MDF continuously improves and
diversifies the range/package of its services to ensure institutional growth,
client retention, and increased customer loyalty and satisfaction with all
aspects of the fund's operations.
That was within the strategy of MDF
to establish a credit organization to separate financial services from its core
non-financial services. That’s notable to mention that in this way MDF aims to
reach a unique synergy effect, serving its clients two-handed.
known that poor clients, without adequate capacities to make productive
investments, would require access to non-financial services in addition to
those of financial nature. For example, if the customer receives a loan, he is
to repay the funds received in a time schedule by paying certain amounts earned
from the utilization of the loan amounts. And from this point MDF intends to
provide some non financial assistance to such customers regarding the effective
utilization, effective business planning and management, which will enable the
customer to effectively and efficiently utilize the loan amounts and be able to
repay them in due course.