Accessing Agricultural Finance and Loans

Financing options for Zambian farmers: 1) Farmer Input Support Programme (FISP) - government subsidy for inputs. 2) Commercial banks - Zanaco, Agribusiness Credit, others offer agric loans. 3) Microfinance institutions - Vision Fund, FINCA provide smaller loans. 4) Savings groups - form or join a village savings and loans group. 5) Contract farming - companies like Zambeef, Parrogate provide inputs on credit. Requirements typically include: land ownership/lease, farm plan, collateral, identification. Tips: keep good farm records, start small and build credit history, join farmer cooperatives for group loans, pay back on time to maintain good standing.