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Fpo Template Template 2 -Form Fill
General Information of the FPO
Q01
Name of the FPO
Q02
Address
Q03
Registered under
Sec-IXA Company
Coop Society
Other
Q04
Age of FPC
Q05
Number of members
Q06
Members profile
Small farmers
Marginal
Others
Q07
Name of the promoting organisation
SFAC
NABARD
Others (Specify)
Q08
Details Of Shareholders and Share capital
Q08A
Number of Shareholders
Q08B
Value of Each Share
Q08C
Total Paid Up Capital
Q08D
Total Authorized Share Capital
Q09
Kind of services provided by the FPO to its members ( Can choose multiple options) :
Aggregation of Produce
Input(Farm)
Input (Non-Farm)
Primary Processing
Value addition
Trading
Warehousing
Micro Finance
Scheme convergence
Q10
How many farmers avail the following services ?
Aggregation of Produce
Inputs (Farm)
Inputs(Non-Farm)
Primary Processing
Value addition
Trading
Warehousing
Micro Finance
Scheme benefits
Others ( Specify)
Q11A
Details of Major Business Activities
Input supply
On lending to farmers
Marketing
Processing and Value addition
Custom Hiring centre
Others ( specify)
Q11B
Details of Turnover from the Business Activities
Q11B1
Input supply
Q11B2
On lending to farmers
Q11B3
Marketing
Q11B4
Processing and Value addition
Q11B5
Custom Hiring centre
Q11B6
Others ( specify)
Q12A
Details of Assets and Infrastructure owned by the FPO
Land
Storage Godown /Yard
Grading & Primary processing
Processing and Value addition
Transportation units
Others (specify)
Q12B
Total Value of the assets and Infrastructure owned by the FPO- Rs.------------
Q12C
Source of funds for purchase of the above assets & infrastructure ( multiple option)
Bank loan
Share capital
Equity grant
Through scheme
Q13A
Details of Assets and Infrastructure taken on by the FPO : ( multiple options)
Land
Storage Godown /Yard
Grading & Primary processing
Processing and Value addition
Transportation units
Others (specify)
Q13B
Total amount of rent paid by the FPO during last financial year Rs. ----------
Q14A
Details of Grants/Financial Support/ Loan received :
Q14A1
Name of organization
Q14A2
Amount of funding
Q14A3
Nature (Loan / grant)
Q14B
Have you received benefits under equity grant fund of SFAC ?
Yes
No
Q14C
If yes, How Much?
Q14D
Have you received credit guarantee from SFAC ?
Yes
No
Q14E
If yes how much?
Barriers and Challenges
A01
What type of financial services are required / preferred by your SMF members? Please assign ranks based on the preferences and priorities.
Input loan
Warehouse linked credit
Term loan
Insurance cover
Others (Specify)
A02
What is the average amount of credit requirement per cropping season :
A02A
FPO
A02B
FPO Member
A03
Is your stocks covered for Fire and theft ?
Yes
No
A03A
If yes, Name of the insurance agency
A04
Currently, from which source do most of the members avail crop loan/Input loan (please write percentage of members against each source for a loan type)
Banks
MFIs & NBFC
Cooperatives
Money lenders / Informal sources
FPO
Traders/ Merchants
Input suppliers
Other funding institutions
A04A
% of farmers
A04B
Name of the Orgn
A05
Currently, from which source do most of the members avail Term loan/ Investment loan (please write percentage of members against each source for a loan type)
Banks
MFIs & NBFC
Cooperatives
Money lenders / Informal sources
FPO
Traders/ Merchants
Input suppliers
Other funding institutions
A05A
Does the FPO provide credit services for its members (on-lending to farmers)?
Yes
No
A05B
If yes, what type of loans does the FPO lend to members ? ( multiple choice)
Crop Loan as cash
Crop loan as kind (inputs or cash+ kind)
Investment loan
Consumption loan
Warehouse receipt loan
Others ( specify)
A05C
What is the source of funds for lending to members ? ___________________
A06
Comment on the members requirement of loans and ease of accessing loans of different purposes/types of loans
Crop Loan
Mechanization loan
Investment loan
Consumption loans
Warehouse receipt loans
Loan for Allied business
Other
A06A
Purpose for which members require the most (rate on a scale of 1-5, with 1 for least demand to 5 for highest demand)
A06B
Ease of accessing the loan
Easy
Difficult
very difficult
Not possible
A07
Credit profile of members (please write percentage of members in each of the given category)
A07A
Loan type
Crop Loan
Investment loan
A07B
Farmers who failed to repay (%)
A07C
irregular in payment (%) or made partial payment
A07D
regular payment (%)
A08
What are the main reasons for irregular or failed loan repayments ?
Crop failure due to weather risk b. Sudden drop in prices
Loan money spent on consumption purpose
Unpredicted medical expenses
A09
What are the challenges that the SMF members face to avail credit (Rank the challenges, assigning Rank 1 to the most common challenge)
A09A
Rank the challenges in accessing Crop loan
A09A1
Banks not willing to offer loan to SMFs
A09A2
Lack of collateral security
A09A3
Due loan defaults or pending loan repayments
A09A4
Lack of awareness about FPOs among the FIs
A09A5
Inability to pay high interest loan from MFIs & NBFCs
A09A6
Inability use digital technology such as mobile/apps/platforms
A09A7
Lack of access to mobile/apps/platforms etc.
A09A8
Others (Specify)
A09B
Rank the challenges in accessing Term loan
A09B1
Banks not willing to offer loan to SMFs
A09B2
Lack of collateral security
A09B3
Due loan defaults or pending loan repayments
A09B4
Lack of awareness about FPOs among the FIs
A09B5
Inability to pay high interest loan from MFIs & NBFCs
A09B6
Inability use digital technology such as mobile/apps/platforms
A09B7
Lack of access to mobile/apps/platforms etc.
A09B8
Others (Specify)
A10A
Percentage of SMF members who have registered under PMFBY –_____%
A10B
Percentage of SMF have taken insurance cover by the Private agencies with higher premium rates as compared to PMFBY _________ %
A10C
Percentage of SMF willing to take private crop insurance even though the premium is high ______________
A10D
What are the challenges that the SMF members face to avail insurance cover.
Not willing to pay premium for insurance
Do not think it’s necessary
Private insurance products have high premium rates
Do not trust insurance service providers(ISP)
Lack of awareness about insurance products
Inability use digital technology or access to mobile/apps/platforms etc.
Lack of access to mobile/apps/platforms etc.
Others (Specify)_______________
A11
Which of the following are the most important limitations to expanding or improving financial services to the SMFs in your FPO? Please rank it.
Lack of acceptable collateral
Procedures and paperwork
Lack of awareness among the SMF and lending organisations
Transaction cost of serving SMFs
Risk of defaulters
Inability to repay due to risks of production, price or Health
High interest rates of MFI/NBFC loans.
Central & State Govt. Policies / Political interventions
Lack of credit risk sharing partners
Other if any ( please explain)
A12
In your opinion, what factors shall improve access to credit for women farmers
Guarantee fund support
Social collateral based credit products
Formalization of Land lease documents
Credit score mechanism (digital tools) for SMF
Close loop financing products
Warehouse receipt financing tools
Digital fintech products ( Pl specify if any)
Ease of paper-works
Lowering the interest rates by MFIs/NBFCs
Others _______
Access to Financial services by FPOs
B01
What type of financial services are required / preferred for your FPO ?
Working Capital loans
Insurance products
Warehouse receipt linked credit
Term loans
Close loop Input finance
AVC finance
micro savings cum credit product
funds for capacity building
Others
B02
What kind of organization with whom you are keen to partner with?
Banks
NBFCs & MFIs
Warehouse linked credit Institution
CSOs
Others
B03
Why do you prefer to partner with the above chosen organization? (multiple options)
No need for collaterals
Less paper work and easy processing of loan
Can get even small ticket size loans
Less interest rate
Not able to get loan from Banks
Can get term loans
The staff are welcoming and helpful
Others
B04
Mention about the various constraints faced in accessing various financial services needed for the FPO for its operations.
Lack of acceptable collateral with the FPO.
Procedures and paperwork
Lack of awareness among banks and lending organisations
Poor capital base of the FPO
High interest rates of MFI/NBFC loans.
Lack of credit risk sharing partners
Lack of credit guarantee support/inadequate credit guarantee
Other if any ( please explain)
B05
Is there any issue in availing credit guarantee support from SFAC and source loans from banks ?
Yes
No
B06
If yes , what is the issue? ( multiple choice)
FPOs registered outside SFAC scheme not eligible
Do not know, how to process the paperwork
No guidance
Leadership issues in the FPO
FPO do not have adequate share capital
Business plan is not ready
Banks not ready to give loans despite credit guarantee
Others ( specify).
B07
Is there any gaps/ constraints about the existing financial services ? If yes, explain and also state what kind of improvements can be made to make the credit easily available for the farmers/ FPO.
B07A
Equity support by SFAC or other promoters
FPOs registered outside SFAC scheme not eligible
Share capital is not paid by many members
Do not know, how to process the paperwork
No guidance
Leadership issues in the FPO
Have submitted the application, but delayed at SFAC
Others ( specify).
B07B
Working capital Loan by Banks/NBFCs
Banks employees lack understanding about FPO
Banks’s inability to process timely funds due to lack of understanding about crop cycles.
High interest rates for FPOs
Banks demand collateral security which FPO lack
Lengthy procedures and paper works.
FPOs lack capacity to prepare the necessary documents
Governance issues of FPO
restricted quantum of loan as they treat FPO under high risk category
Stringent repayment compliance rules
Repayment schedule do not match crop cycles & operations
others ( Specify)
B07C
Infrastructure loan/Term loans by banks
Banks employees lack understanding about FPO
Banks do not provide term loans FPOs
High interest rates for FPOs
Banks demand collateral security which FPO lack
Lengthy procedures and paper works.
FPOs lack capacity to prepare the necessary documents
Governance issues of FPO
Need Credit guarantee for accessing term loans
others ( Specify)
B07D
Value chain financing by FIs
FPO do not have credit scores to get loans from FIs.
Interest rates of FIs is very high
FIs demand collateral security which FPO lack
Lengthy procedures and paper works.
FPOs lack capacity to meet legal compliances
Governance issues of FPO
Need Credit guarantee for accessing VCF
others ( Specify)
B07E
Agtech and Fintech financial products
Don’t know about it
Don’t have knowledge/ICT skills to adopt
Don’t trust them
Lack of internet facility
Unaffordable
Do not provided services to SMF
Others ( Specify)
Validation of identified levers
C01
How many member farmers use smart phone –
SMF
Women farmers
Total
C02
How many members are active users of whatsapp and other social media :
SMF
Women farmers
Total
C04A
Does the FPO have any of the following ? ( multiple options )
Website/Portal / platform
You tube channel
Whatsapp group
Mobile app
Others (specify)
C05
How many members use mobile payments apps such as google pay/paytm etc
SMF
Women farmers
Total
C06
What are the challenges in using digital platform?
Poor Internet Connectivity
Poor mobile network
Don’t know how to use smart phones
Don’t know the use of these applications
Lack of trust on digital platforms
Other easier alternative to access services
Others, please specify
C07
Is there any financial products currently accessed for risk coverage of farmers ( production risk & price risk ).
Yes
No
C07A
The risk assessment not satisfactory
Yes
No
C07B
Do not understand the details of the product
Yes
No
C07C
Paper works are difficult
Yes
No
C07D
Delayed processing of Indemnity payments
Yes
No
C07E
High premium costs
Yes
No
C07F
do not cover all the risk factors
Yes
No
C07G
Others (specify)
Yes
No
C07_1
What do you consider as the best loan product which banking institutions can provide to FPOs
Working capital Loans
Term loans
Warehouse receipt loans
Bill discounting loans
Insurance cover
First loss Default Guarantees (FLDG)
Funding for capacity building ( Incubation support)
Funding for AVC platform for meeting various stakeholders
Funding fintech & Agtech who provide services to FPOs
Others ( Specify)
C07_2
What do you consider as the best approach for banking institutions to provide financial services to SMF members of FPOs?
Input loans
Input loans/ cards (close loop finance)
Warehouse receipt loan
Insurance cover
Group loans - SHG / JLG /FIG loans
collateral free working capital loans
Others ( specify)
C08
What do you consider as the best services an non-bank financial institutions and MFI can provide to Farm Producer Organizations (FPO) ?
Working capital Loans
Term loans
Warehouse receipt loans
Bill discounting loans
Insurance cover
First loss Default Guarantees (FLDG)
Funding for capacity building ( Incubation support)
Technical advisory support
Marketing linkages
Funding for AVC platform for meeting various stakeholders
Funding fintech & Agtech who provide services to FPOs
Others, (specify)
C09
Please share three examples that you feel are successful and/or innovative tool for serving your FPO and your SMFs. (Innovative tool and the name of the FIs offering the service)
C09_1
Example -1
C09_2
Example -2
C09_3
Example -3
C09A
What interventions are needed to better meet the financial needs of your women SMFs? ( Ranking)
Collateral free loan to women farmers
Group loans to Women farmers
loans available at the doorstep through BC model
loans available at the doorstep through Digital technology
micro savings cum loan product for women
Input credit cards
warehouse receipt loans
Capacity building and ICT training
Others (specify)
C10
What is the role of FinTech initiatives for servicing SMFs –
Mobile banking products
Money transfer transactions,
Electronic platforms for marketing, inputs or services
Getting advisory services
Connecting to buyers
Connecting to Input suppliers
Connecting to Lending institutions
C10A
Please share an example of a FinTech product or service that best serves your FPO, or could be implemented. (Name of the fintech product and two key attributes)
C11
Would your FPO like to participate in piloting new innovative financial products, services or approached to reach SMFs?
Yes
No
C12
Please share two innovative financial products or services for SMFs that you would like to pilot in your FPO, if given the opportunity.
C12A
Name of the product 1/service 1
C12A1
Why do you think this product 1 or service 1 would be useful to your FPO?
C12A1_1
Attribute 1
C12A1_2
Attribute 2
C12B
Name of the product 2/service 2
C12B1
Why do you think this product or service would be useful to your FPO?
C12B1_1
Attribute 1
C12B1_2
Attribute 2
C13
Do you think , product specific FPOs will help strengthening the value chain of a particular produce and help members farmers fetch better prices for their produce and increase their incomes.
Yes
No
C14
What produce can be chosen for your FPO if we plan to strengthen value chain infrastructure for a particular crop produce.
C14A
Crop name 1. _____________( Kharif)
C14B
Crop name 2.__________________ (Rabi)
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