AFRACA RISK MGMT SEMINAR ON RURAL CREDIT( MALAWI EXPERIENCE) HELD AT METCOURT HOTEL - RSA . Presented by J L D Zainga of MUSCCO. INTRODUCTION. MUSCCO – MALAWI UNION OF SAVINGS AND CREDIT COOPERATIVES LTD. IT WAS FORMED IN 1980 WITH THE SOLE MANDATE OF PROMOTING SACCOS IN MALAWI.
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Presented by J L D Zainga of
2 ORDINARY DEPOSITS
3 SPECIAL DEPOSITS
4 FIXED DEPOSITS
5 LOAN COLLATERAL DEPOSIT
FARM INPUT LOANS TO SACCOS AND SMALLHOLDER FARMERS ASSOCIATIONS
50% Agriculture Production( cash crops)
50% Agriculture commercial (Food crops)
Loan portfolio diversification ( Don’t put all your eggs in one basket.
Loans should have different maturity periods.
2007 MK 20.5 M 100%
2008 MK 57.5M 100%
2009 MK209.0M ?
Our Loan Portfolio has grown this big because of high cost of fertilizers in 2008 and increased number of KSVP hectares financed in 2009
1US $ = MK 140.00.
Labour , Land,Climate
Auction & Cont Prices Loans and Int