Since Inception the ZADT has been providing technical assistance to the various levels of actors participating in its disbursement model either directly or through its partner institutions such as SNV. The main actors in the model are disbursing financial institutions, the borrowing agribusinesses and the linked smallholder farmers. Financial support for these activities has been from funders.
Disbursing financial institutions
The ZADT has and continues to provide support to disbursing financial institutions to enable them to understand the CREATE Fund facility including its terms and conditions. Capacity building in this regard has mainly targeted client facing staff of the disbursing financial institutions who deal with the CREATE Fund facility.
Financial institutions have also been capacitated in areas which enhance their understanding and management of credit to small to medium enterprises (SMEs) particularly within the agricultural sector.
Value Chain Actors
Technical support for value chain actors or agribusinesses was mainly at pre-disbursement stage where independent service providers affiliated to the ZADT were assisting applicants on how to prepare bankable proposals for submission to disbursing financial institutions.
Whilst smallholder farmers mainly benefit from linkages with funded agribusinesses technical support for these is mainly through the funded intermediaries who identify any gaps which affect the quality of products or services supplied by the farmers. These could be in areas such as agronomic competence or post harvesting handling or marketing.
The ZADT will continue to mobilize resources for this activity as well as partnering with other organizations working in the same development space who are working for the uplifting of smallholder agriculture.