TSPI PALAYAN PROGRAM (TPP)

Forum on Agricultural Microfinance:

The State Practice

Century Park Hotel, Manila

21 May 2010

Access to cheaper source of

credit

Increased production yield thru

partnerships with:

• LGU, NGO & private

technical assistance providers

• Accredited farm inputs &

seed suppliers

Mitigated risk thru link-up with

PCIC for crop insurance

Maximized market prices thru

partnership with local traders

TSPI PALAYAN PROGRAM (TPP)

TSPI PALAYAN PROGRAM (TPP)

Targets small farmers with at least

5 years farming experience & with

access to irrigation

Group of 5 members

Monthly Capital Build-up

Micro-insurance benefits

Insurance through the PCIC

3% per month add on

Lump sum payment upon harvest

Loan amount of P20,000 to

P30,000 (wet) or P25,000 -

P35,000 (dry)

Livestock loan of up to P10,000

13 branches: Pangasinan (3); Tarlac (4);

Nueva Ecija (3); Isabela (2) & Camarines

Sur (1)

1,724 clients

Loan portfolio of P7.9M

Repayment rate of 93.7% (98.3%)

PAR of 6.6% (1.5%)

TSPI PALAYAN PROGRAM (TPP)

Perfromance as of April 2010

Building partnership with traders for fairer prices

Promotion of more sustainable agriculture technology among farmers

Maintaining discipline in program implementation

CHALLENGES

TSPI PALAYAN PROGRAM (TPP)