New release: 2020 State of the Sector Report and Executive Summary. Read about CSAF’s response to COVID-19, lending data from 2019, and priorities for 2020.

CSAF Lending

© Rabo Rural Fund

CSAF has been collecting lending data from our members since 2013. Over the period 2013-2019, CSAF members cumulatively lent $4.25 billion to 1,419 businesses that have supported 3.4M smallholder farmers, of which 33% are women farmers.

CSAF member lending in 2019 is characterized by the following:

  • Aggregate lending by CSAF members increased by 6% in 2019 from $630M to $669M after a reduction in lending from 2017 to 2018. This increase in disbursements was driven primarily by lending in coffee.
  • Almost all CSAF members reported growth in disbursements, primarily concentrated in Central America (up 34%) and sub-Saharan Africa (up 12%); lending decreased in all other regions.
  • CSAF members now provide financing to 655 businesses, a 9% decrease from the previous year and continuation of a three-year decline in number of borrowers.
  • While the total number of borrowers was smaller, members increased their focus on new borrowers, which made up 12% of clients financed in 2019 versus 7% in 2018.
  • Average loan size for existing borrowers was higher than in any previous year of data collection ($850K in 2019 versus $803K in 2018).
  • Coffee remains the most financed value chain, making up 48% of total global lending. Overall, lenders continued to concentrate in coffee, cocoa, and cashew nuts in 2019, though the absolute volume of disbursements in the latter two value chains decreased last year.
  • Members reached enterprises providing $7.7B in payments to 2.1M smallholder farmers—33% of whom are women—and employing 77K workers.
  • The vast majority (79%) of borrowers are served by a single CSAF member, and this percentage has remained relatively steady since 2013.

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CSAF also welcomes outreach from prospective partners and researchers, but please note that we have limited capacity to respond to all inquiries.