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Lending and Financial Linkages for Agri-Allied Activities
1. Needs Assessment & Profiling
- Identify the credit needs of farmers, fishers, SHGs, and rural entrepreneurs.
- Assess the type of agri-allied activity (e.g., aquaculture, poultry, dairy, horticulture, food processing).
- Profile potential borrowers based on enterprise type, scale, and repayment capacity.
2. Financial Literacy & Awareness Building
- Conduct training sessions on financial planning, banking processes, and responsible borrowing.
- Orient communities on government-backed loan schemes (PMFME, PMMSY, AIF, etc.).
- Raise awareness about interest subvention, subsidies, and credit guarantee mechanisms.
3. Credit Readiness Preparation
- Support in organizing required documents (KYC, land lease papers, enterprise plans, etc.).
- Help individuals and groups prepare basic business or project proposals.
- Assess group strength and repayment track record for SHGs, JLGs, or cooperatives.
4. Facilitating Bank & Institutional Linkages
- Establish partnerships with banks, MFIs, NBFCs, and cooperative institutions.
- Facilitate formal meetings between lenders and borrowers.
- Advocate for flexible and inclusive financial products suited to rural enterprises.
5. Loan Application & Handholding Support
- Assist in filling out loan applications and submitting them to financial institutions.
- Follow up with banks and help resolve queries or compliance gaps.
- Guide beneficiaries through technical appraisals or pre-sanction visits if needed.
6. Convergence with Government Schemes
- Align eligible applications with central/state schemes for subsidies or soft loans.
- Ensure timely registration on relevant scheme portals and support claim processing.
- Facilitate fund flow tracking and compliance reporting as per scheme requirements.
7. Post-Sanction Support & Monitoring
- Educate beneficiaries on loan usage, repayment schedules, and EMI planning.
- Offer business advisory and technical guidance to ensure profitable use of funds.
- Monitor utilization and provide support to prevent defaults and distress.
8. Capacity Building of Local Institutions
- Train local producer groups, FPOs, and SHG federations in financial management.
- Promote the development of village-level credit facilitation centers or CRPs.
- Build systems for credit tracking, internal lending, and group-level financial discipline.
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