The Rural School and Community Trust, rural finance.#Rural #finance


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Rural Trust Partnering With AASA, The School Superintendents Association

Leveraging Change: Increasing Access to Arts Education in Rural Areas

New “Why Rural Matters” Report Now Available

2016 Global Teacher Fellow Honored With Teach of the Year Award

Rural finance

Rural Policy Matters: January 2015

Facts and Figures About Low-Income Preschoolers in the U.S.

Increasing Early Literacy in Rural Communities

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Schools That Change Communities

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Rural finance, rural finance.#Rural #finance


Ruralco Finance Pty Ltd

Rural finance

Rural finance

Rural finance

Rural finance

Welcome to the best in rural finance

The Ruralco Finance team are specialists in agri and commercial business finance lending with a great understanding of the needs of rural regional Australia. With access to the national lending market through an extensive panel of lenders our specialists can source and tailor a financial solution that best suits you.

Rural finance

Seasonal Finance

Ruralco Seasonal Finance helps you manage your cash flow throughout the year so you can take advantage of opportunities as they arise. The facility is designed specifically for primary producers who require a line of credit for livestock purchases and seasonal inputs.

Rural finance

Asset Finance

Ruralco Finance can source and tailor the right Asset Finance product to suit your specific business needs. Various types of finance are available including commercial loan (chattel mortgage), commercial hire purchase and finance lease.

Rural finance

Commercial Finance

We can structure a Term Loan to suit your individual situation.

Rural finance

Home Loans

If you’re in the market for a new home loan, or you’d like to restructure your existing home loan, talk to Michael Tonkin at Ruralco Finance.

Rural finance

Ruralco Insurance

Launched in 2008, Ruralco Insurance provides an extensive range of personal and professional insurance solutions.

Rural finance

Prepay & Grow

If you’ve had a great season talk to us about how we can make your cash go further with Prepay & Grow.


Agricultural – Rural Finance: MFW4A – Making Finance Work for Africa, rural finance.#Rural #finance


Agricultural & Rural Finance

Rural finance comprises the full range of financial services – loans, savings, insurance, and payment and money transfer services – needed, offered, or used in rural areas by household and enterprises. The term encompasses agricultural finance.

Agricultural finance refers to financial services ranging from short-, medium- and long-term loans, to leasing, to crop and livestock insurance, covering the entire agricultural value chain – input supply, production and distribution, wholesaling, processing and marketing.

Rural and agricultural financial services are provided by formal and informal financial institutions as well as through financial arrangements within the agricultural value chain.

While the majority of Africa’s population lives in rural areas and depends on agricultural production, the supply of financial services to the sector is inadequate, with, on average, a mere 5 percent of domestic resources being allocated to the agricultural sector.

Reasons for the lack of access to finance in rural areas and in the agricultural value chains are numerous. They can be found in the slow and uneven entry of formal financial institutions into rural areas, which leads to rural clients often remaining beyond the reach of financial outlets, to the reluctance of financial institutions to provide financial services to agricultural and rural activities, whose risk profile is frequently not fully understood and which are often informal in nature.

Factors such as poor infrastructure and widely dispersed populations in rural areas raise transaction and information costs, thus further hindering the spread of financial services. In addition, title and property rights can be difficult to verify in rural areas, posing problems in the use of collateral. Subsidized lending programs for rural recipients have also contributed to obstructing the development of a sustainable rural banking sector in Africa.

Farmers and agricultural companies typically face seasonal income and long maturation periods and are exposed to considerable risks. Seasonality requires specifically tailored financial services and conditions, such as longer repayment and grace periods, less frequent repayments, or leasing products. Agricultural risks to be considered include price fluctuations for inputs and products or crop failure due to pests and diseases, temperature or variable rainfall.

Despite these difficulties, formal rural and agricultural finance has been making advances in the continent, with innovative financial services and improved risk management on both the client and institution sides. The most promising approaches include flexible credit schemes, value-chain finance, insurance products, promotion of financial literacy and the use of new technologies.

Prominent examples are the introduction of index-based weather insurance schemes in Malawi, financial literacy campaigns in Ghana, or the spread of mobile banking in Kenya. Furthermore, rural and agricultural clients continue to rely on financial institutions, like savings and credit cooperatives or village banks.


Rural finance, rural finance.#Rural #finance


Ruralco Finance Pty Ltd

Rural finance

Rural finance

Rural finance

Rural finance

Welcome to the best in rural finance

The Ruralco Finance team are specialists in agri and commercial business finance lending with a great understanding of the needs of rural regional Australia. With access to the national lending market through an extensive panel of lenders our specialists can source and tailor a financial solution that best suits you.

Rural finance

Seasonal Finance

Ruralco Seasonal Finance helps you manage your cash flow throughout the year so you can take advantage of opportunities as they arise. The facility is designed specifically for primary producers who require a line of credit for livestock purchases and seasonal inputs.

Rural finance

Asset Finance

Ruralco Finance can source and tailor the right Asset Finance product to suit your specific business needs. Various types of finance are available including commercial loan (chattel mortgage), commercial hire purchase and finance lease.

Rural finance

Commercial Finance

We can structure a Term Loan to suit your individual situation.

Rural finance

Home Loans

If you’re in the market for a new home loan, or you’d like to restructure your existing home loan, talk to Michael Tonkin at Ruralco Finance.

Rural finance

Ruralco Insurance

Launched in 2008, Ruralco Insurance provides an extensive range of personal and professional insurance solutions.

Rural finance

Prepay & Grow

If you’ve had a great season talk to us about how we can make your cash go further with Prepay & Grow.


Ag Finance Section, rural finance.#Rural #finance


Rural finance

Finance & Budget Division

Attention: Rural Finance Authority raises net worth limitations effective August 1, 2017

The Agricultural Finance Section offers low-interest loan programs to farmers for a wide variety of activities through the Rural Finance Authority.

Lori Schmidt, Office Manager

The Rural Finance Authority (RFA) partners with local lenders to provide affordable credit to eligible farmers. Loan participations are purchased by the RFA under the following programs: The Basic Farm and Seller-Assisted help younger and beginning farmers purchase ag land; Agricultural Improvement finances improvements to the farm for any ag related purpose, such as grain handling facilities, machine storage and manure systems; Restructure II is to help farmers reorganize their farm debt to improve cash flow; and Livestock Expansion creates affordable financing for new state-of-the-art livestock production facilities. To date, over $270 million has been invested in 2,959 participations by the RFA in these programs.

The Aggie Bond Program creates a federal tax exemption for banks and a federal and state tax exemption on interest income to an individual seller in exchange for offering below market interest rates to eligible beginning farmers to purchase farm real estate, agricultural improvements, breeding livestock and machinery. Two hundred ninety-six farmers have benefited on over $42 million loans.

Revolving accounts have been established to support certain loan activities. The RFA has provided over $4.5 million in loans to 200 lower equity farmers to purchase stock in cooperatives that own and operate value-added agricultural processing facilities. The Livestock Equipment Loan Program is designed to help finance the first purchase of livestock-related equipment and make livestock facilities improvements. The Sustainable Agriculture and Manure digester loan programs are administered jointly by the Finance Budget and Ag Marketing Development Divisions.


Rural Finance #public #finance


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Need new machinery?

Rural Finance can help you purchase Dairy machinery, Harvesters, Planting machinery – whatever you need.

  • Calling all Brokers

    Want to work for a dynamic company? Ring us today 01978 660360

  • Thinking about Renewable Energy?

    Rural Finance can provide the best commercial finance for your solar power projects.

  • Rural Finance’s Partners

    We work closely with the world’s top financiers to give you the best deal possible.

  • Pony Club Challenge

    A bit of financial help could ensure the winning rosette. Let Rural Finance help you.

    Rural Finance Ltd

    Rural Finance is the largest agricultural finance brokerage company operating throughout England, Scotland, Wales and Northern Ireland. Getting finance is the foundation for every business. We offer you a bespoke service offering a variety of options tailored to your needs.

    What makes us different is that you are guaranteed to be seen by a broker. We prefer to visit you and ascertain your business needs. Rural Finance has offices throughout the UK, ensuring that there will be a broker near you. Our team has over one hundred years of combined financial experience.

    Give us a ring on 01978 660360.

    Expanding your Business?

    Rural Finance has many years of specialist knowledge putting us in a unique position to offer you some of the best and most competitive deals on the market. Read more

    Finance for Developments

    Rural Finance offers a range of finance options that can help kick-start your next project and we re there to help you solve any other financial problems. Read more

    Helping you Diversify

    Rural Finance can provide valuable advice to help you finance an alternative product stream thereby helping balance sales across your financial year. Read more


  • Home loans, Housing Finance Company, Rural Housing Finance Company – India #finance #for #dummies


    #gruh finance

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    Home loan rates slashed. GRUH offers home loan starting from 9.75%.

    About GRUH Finance Limited

    GRUH Finance Limited (GRUH) – a subsidiary of HDFC Ltd. is a Housing Finance Company (HFC) recognized by National Housing Bank.

    GRUH offers loans to individuals for purchase, construction, repairs, renovation of dwelling units. GRUH also offers loans to the Self employed segment where in formal income proofs are not available. The income of such applicants is appraised based on field investigation and surrogate income proof. GRUH also offeres loans to professionals for purchase of office premises.

    The rate of interest is based on credit score methodology wherein each applicant is evaluated based on individual credit criteria. Depending on the loan product selected, the customer can therefore get a rate of interest within a band depending on individual credit score.

    GRUH Deposits are rated FAAA by CRISIL and MAAA by ICRA. These ratings indicate highest safety as regards timely payment of interest and principal.

    GRUH has 179 offices in 10 states of the country viz. Gujarat, Maharashtra, Karnataka, Rajasthan, Madhya Pradesh, Chhattisgarh, Tamil Nadu, Uttar Pradesh, Jharkhand and Bihar.

    Why GRUH Finance Home Loans

    • Pioneer in the Home Loans industry
    • Faster processing of loan with door step service

    GRUH Finance Home Loans Solutions: Advantages

    • Robust service delivery model – fast approval & disbursal of loans
    • Extensive Range of Home Loan requirements
    • Customized home loan features to suit your Home Loan requirements
    • Attractive interest rates. offer attractive rate that makes your home loan affordable
    • Quick and transparent processing
    • Longer tenure for smaller EMIs

    Get Your Home loans

    Housing Finance


    Aberystwyth University – The 2nd Microfinance and Rural Finance Conference #renewable #energy #finance


    #rural finance

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    The 2nd Microfinance and Rural Finance Conference

    5th -6th July, 2016, Aberystwyth University, UK

    Sponsored by: Aberystwyth University, Southwestern University of Finance and Economics and York University Schulich School of Business
    Sponsoring Journals: Emerging Markets Review and Finance Research Letters

    Call for Papers Submission deadline: 15 April 2016

    Sponsoring Journals:

    Authors are encouraged to submit their papers to special sections of the Emerging Markets Review and Finance Research Letters . Acceptance to the conference does not imply acceptance into the special sections. Submissions to the journals will follow normal review practices by the journal editors, and will be coordinated by Douglas Cumming. The deadline for submission to the special sections is August 1, 2016.

    Conference Theme: Financial Inclusion and Emerging Markets Finance

    Access to suitable and affordable finance is a precondition for meeting basic human needs and a key ingredient in small entrepreneur, job, and wealth creations. Inclusive financing and its innovation are a useful instrument that helps those excluded from society to access financial services. Moreover, emerging economies, including China, India, Brazil, Russia, South Africa and others, have experienced rapid economic growth over the past several decades, however, these markets still have long posed a challenge for finance. Financial inclusion and emerging markets finance are high on the research and policy agenda. A broad exchange on micro, macro and policy topics in these areas will advance our knowledge and ultimately provide effective solutions to the many unique problems arising in emerging economies.

    To provide cutting-edge insights into current research work on financial inclusion and emerging market finance, we invite papers on the following topics but are not limited to:

    • The development of microfinance and rural finance;
    • Roles of banks or other financial institutions in financial inclusion;
    • Financial inclusion versus financial stability: is there a trade-off? ;
    • The impact of financial inclusion on poverty;
    • Institutional issues: management, governance, legal form, transformation, growth, mission drift;
    • Financing for mirco-, small and medium enterprises and agribusinesses;
    • Innovation in microfinance, internet finance, crowdfunding and seed financing
    • Small firm finance in emerging markets;
    • Policy and regulatory issues related to financial inclusion;
    • Banking business models and their impact on profitability and operational efficiency in emerging financial markets;
    • Capital markets activities and development in emerging economies;
    • Financing of cleantech and sustainability in emerging markets;
    • New thinking in emerging market design
    • The effect of global regulatory reforms on emerging financial markets.

    Background

    China-UK Microfinance and Rural Finance Conference is a forum for presentation of research results, practices, innovations in the fields of microfinance and SME finance. Contributors and participants include academia, researchers, financial service providers and policymakers. The conference is organized by the SWUFE- Aberystwyth Microfinance, Rural Finance and Agriculture Organization Joint Research Centre. It will be hosted by the School of Mangament and Business, Aberystwyth University (UK), in cooperation with the School of Finance, Southwestern University of Finance and Economic (China), and York University Schulich School of Business.

    Keynote Speaker:

    Prof. Sugato Chakravarty, Purdue University

    Conference Chairs:

    • Prof. Douglas Cumming, Schulich School of Business, York University
    • Prof. Andrew Henley, School of Mangament and Business, Aberystwyth University
    • Prof. Qiaoyun Zhang, School of Finance, Southwestern University of Finance and Economics

    Programme Comittee:

    • Prof. Jonathan Bratten, Monash University
    • Prof. Brian Lucey, University of Dublin
    • Prof. Mike Christie, Aberystwyth University
    • Dr.Zhoujie Weng, Southwestern University of Finance and Economic
    • Dr.Yizhe Dong, Abersytwyth University
    • Dr.Wenxuan Hou, University of Edinburgh
    • Site Preferences
    • Site Map
    • Access Keys
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    • Web Site Feedback

    Aberystwyth University, Reception, Penglais, Aberystwyth, Ceredigion, SY23 3FL
    Telephone: +44 (0)1970 623111 Contact Us

    2016 Aberystwyth University
    Aberystwyth University is a registered charity. No 1145141.


    Welcome to Rural Finance #minister #of #finance


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    Weather Update

    Rural Finance is pleased to partner with renowned Australian meteorologist, Jane Bunn to provide monthly weather updates for Victoria.

    Flexible Loan Packages

    We can design a loan package to suit your individual requirements. And as part of the decision making process, we go on-farm to get a complete understanding of your farm business needs.

    2016 Australian Sheep and Wool Update

    The 2016 Australian Sheep and Wool Update provides producers and industry with a concise analysis of the sheep and wool sectors.

    Dairy Recovery Concessional Loans Scheme

    The Australian Government has provided assistance via a concessional loans scheme to assist eligible Dairy Farm Businesses.

    Want to grow what you know?

    Ag Answers insights directly to your email.

    Products Services

    At Rural Finance our specialist agribusiness team can design a loan package to suit your individual requirements. And as part of the decision making process, we go on-farm to gain a complete understanding of your farm business needs.

    Loan Products

    We offer a range of competitive and flexible loan packages that are structured to meet the needs and requirements of diverse rural businesses.

    Services

    We offer a range of specialist services like General and Personal Wealth Protection Insurance, Succession Planning and Estate Planning.

    Farm Management Deposits

    Farm Management Deposits (FMDs) are a tax effective risk management tool that farmers can use as part of cash flow planning to smooth out variations in income.

    Industry Programs

    Rural Finance has responsibility for administering programs on behalf of the Commonwealth and Victorian Governments and industry organisations.

    “> Drought Concessional Loans Scheme 2015/16

    The Australian Government has provided assistance via a concessional loans scheme to assist farmers experiencing a significant financial impact as a result of the effects of drought

    “> Dairy Recovery Concessional Loans Scheme 2015/16

    As a result of the May 2016 decision of Murray Goulburn Co-operative Co. Ltd and Fonterra Australia Ltd to reduce farm gate milk prices for the 2015/16 year, the Australian Government has provided assistance via a concessional loans scheme to assist eligible Dairy Farm Businesses.

    “> Farm Risk Management Grants Program

    The Victorian Government has established the Farm Risk Management Grants program to assist farmers plan, identify skill gaps, address management practices and implement on-farm infrastructure that improves preparedness.

    Ag Answers

    At Rural Finance we believe in a bright future for agriculture. Our purpose is to support and enable farmers to build vibrant businesses and drive the growth of Victorian agriculture.

    Livestock Farm Monitor Project

    Ag Answers Fact Sheets

    Beef exports from Victoria increased 57 per cent compared to 2012/13, valued at over $1 billion and accounting for 44 per cent of Victoria’s meat exports (DEPI 2014).

    Victoria is Australia’s largest producer of milk and accounts for 85 per cent of Australia’s dairy exports (DEPI, 2014).

    Grains are the third most valuable agricultural commodity produced in Victoria with a value of $1.4b in 2014/15. Wheat accounts for approximately half of the crops produced in Victoria.

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    BreadcrumbsPortlet

    IFAD’s commitment to a market systems approach to inclusive rural financial services

    There is increasingly robust evidence that promoting access to inclusive rural financial services shows positive impact at the microeconomic level, improving household welfare and local economic activities. Also at the macroeconomic level, the degree of financial intermediation is positively correlated with growth. Policymakers increasingly recognize that an inclusive financial market allows for more effective and efficient achievement of other policy objectives.

    With almost four decades of engagement in more than 70 countries and more than US$3 billion invested in rural finance systems to date, IFAD has deep, multifaceted experience, a global network of partners working at the frontier of innovation and hundreds of different types of providers (commercial banks, agricultural development banks, microfinance institutions and financial cooperatives, village-based grass-roots savings and credit associations, and specialized finance companies, e.g. equity, leasing, insurance) that address the needs of the clients: rural poor households.

    IFAD’s goal is to empower poor rural women, men and youth in developing countries, and to improve their incomes and food security. To do this, IFAD is working to expand access to a range of financial services in rural areas. These services are tailored to the needs of rural poor households, smallholder families and rural microenterprises.

    Financial service providers need to be sustainable, providing relevant services over the long term and continually increasing their outreach to rural customers. IFAD also looks at the long term, working to build institutions that are able to allocate scarce resources efficiently, manage risk and reduce transaction costs.

    Sustainable poverty reduction requires political will, good governance and sound policies. Governments have an important role to play, creating a conducive policy and regulatory environment in which responsible financial service providers can thrive and be effectively supervised.

    IFAD catalyses global knowledge and country applications, and shares knowledge through publications, operational guidelines and building communities of practice (e.g. CGAP, CABFIN etc.). Its market systems approach to inclusive rural financial services entails understanding the needs of vulnerable low-income households and smallholder farmers, demonstrating pro-poor business cases, enhancing the effectiveness of rural outreach, supporting financial sector infrastructure development, and promoting the enablement of national policy and regulation. One of the approaches to better serve IFAD’s clients is through “toolkits” that cover industry best practice offerings such as:

    • Digital financial services (DFS), which fosters a culture of innovation that leverages new and emerging technologies to address smallholder-specific financial needs. As a member of the Better Than Cash Alliance (BTCA), IFAD recognizes the benefits of replacing the use of physical cash with electronic payments, and of increasing the use of electronic payment systems in programmes and operations to promote financial inclusion, increased transparency and efficiency.
    • Youth access to rural finance, which has become a central concern of poverty reduction strategies. Financial services such as savings, loans and insurance are essential tools young people need to start an enterprise and increase farm productivity. Remittance products are needed for youth who migrate, to help spur local economies in the communities of origin.
    • Community-based financial organizations (CBFOs). There are many examples of how CBFOs bring financial services to rural areas, empower the poor and women in particular, enable rural households to better manage seasonal income and expenditure fluctuations, provide a safety net for life events, and allow households to invest and build assets. IFAD’s support in setting up, strengthening or upgrading CBFOs is designed with these types of social goals in mind.
    • Agricultural Risk Management (ARM). The inherent risks and vulnerabilities, especially of smallholder farming systems, are often a barrier that discourages private-sector investments in agriculture. In this context, ARM represents a key, innovative approach to matching demand with supply, and leveraging rural financing and investments. The Platform for Agricultural Risk Management (PARM) is a G20 initiative supported by IFAD, the European Commission, the Agence Française de Développement (AFD) and the Italian Government, PARM focuses on mainstreaming ARM into policy and investment plans of developing countries. PARM promotes rigorous risk assessment and a holistic and demand-driven approach to managing agricultural risks.
    • Index-based weather insurance. Extreme weather events and natural disasters such as droughts or floods can destroy crops, trap rural households in poverty, impede development and drain a country’s financial resources. Smallholder farmers in developing countries are particularly vulnerable to the harsh effects of weather risks. Affordable insurance can help improve their financial security and protect their livelihoods in the event of a crisis. IFAD has joined forces with the World Food Programme (WFP) and other partners to promote index-based weather insurance to mitigate these risks.
    • Remittances. The money that migrant workers send home—remittances—is a lifeline for poor people. These funds, which add up to more than US$450 billion worldwide, generally surpass foreign direct investment and development assistance combined. IFAD is working to unlock the development potential of remittances by linking them to other financial services, such as savings, insurance and loans. The Financing Facility for Remittances (FFR), based at IFAD, seeks to improve access to cost-effective and easily accessible money transfer services in remote rural areas. The FFR is funded by the European Commission, the Governments of Luxembourg and Spain, the United Nations Capital Development Fund, the Consultative Group to Assist the Poor (CGAP) and the Inter American Development Bank/Multilateral Investment Fund.

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