1. Sector Overview
• Role of agriculture in the context of the global economy
• Agricultural sub sectors
• Impact of agriculture on the macroeconomic indicators
• Role of agricultural sector in the economic development of Pakistan
• Problems faced by the agricultural sector of Pakistan
• The impact of agri-finance on the sector
• Economic and social cost-benefit analysis of the agriculture sector in Pakistan
• Input-output ratio analysis in agriculture sector of Pakistan
• Analysis and evaluation of agriculture and industrial inter-relationship
• Applicable taxes on the agri-sector
2. Agri-business Financial Management
• Nature and scope of financial management in the agri-business
• Information flows and financial statements of an agri-business
• Models of agricultural finance
O State run
O Commercially driven
• Analysis of financial statements, key ratios and break-even
• Good governance practices in agri-finance
3. Agricultural Credit Market
• Analysis of credit estimation by provincial governments
• Sources of agricultural credit (formal and informal)
• Role of NGOs and specialized institutions in agricultural lending
• Role of commercial banks in agricultural lending
• Cooperative farming financing
• Corporate farming financing
• Contract farming – methods and procedures
• Group lending system – methods and procedures
• Marketing and commercial development of lending products
4. Financing Agri-business
• Categories and functions of agriculture lending products
• Credit policy for lending to agri-sector
• Formulating credit proposal and testing its economic feasibility
• Cash flow based evaluation for agricultural finance
• Investment analysis; projections
• Risk analysis
• Classification and provisioning in agri-financing / agri-business
• Credit risk management and liquidity management
• Impact of support and market based prices on the repayment capacity of the borrower
5. Credit Instruments and Legal Documentation
• Legal documentations
O Securities, collaterals and sureties
O CIB report
O Warehouse receipts
• Passbook and related acts
• Historical perspective and contemporary practices of land management in Pakistan
• Charge creation procedure of revenue office
6. Risk Management and Insurance for Farmers
• Risk management strategies
O Types of risk and uncertainty in agriculture
O Evaluating risky situations
O Reducing risk and uncertainties
• Credit Analysis and debit servicing capacity
O Analyzing a credit line
O Analyzing repayment capacity
O Debt structure and balance
• Principles of insurance
• Crop Insurance – Global perspective
• Types of crop insurance
• Crop loan insurance in Pakistan
• Livestock insurance
• Life insurance
7. Agri Value Chain Finance
• Defining value chain finance (VCF)
• Opportunities in value chain finance
• Value chain business models
O producer-driven model
O buyer-driven model
O facilitator-driven model
O integrated model
8. Agricultural Finance and the State Bank of Pakistan
• Structure for agricultural financing
• Role of State Bank of Pakistan in agricultural financing
O Credit guarantee scheme
• Indicative credit target allocations for banks
O Bases for indicative credit target allocation
• Revolving credit scheme
• Prudential Regulations for agricultural credit
• Islamic financing for agriculture
• Purpose-wise and province-wise credit targets
