• Coffee Seedlings at Nursery

  • Sugar Plantation

  • Ripe Coffee

  • Coffee Drying Process

  • Sugar cane Harvest

  • Sugar Bags

The Fund lends through the following models;

1) Agency lending model

The agency lending model utilizes intermediaries to reach the farmer as an end beneficiary. In this, the Fund has partnered with 28 intermediaries from all coffee growing regions in the country, through which coffee farmers can access credit facilities

2) Direct Lending Model

Direct lending model entails disbursement of funds directly to the borrower without using an intermediary. The aim of direct lending is to minimize credit risk exposure occasioned by the agency lending model due to inefficiency and non-compliance with loan agency agreement.