Projects

Organized Financial Inclusion for Farmers: Crop Insurance

Crop insurance in Pakistan at the national level has not expanded beyond the State Bank of Pakistan’s (SBP) Crop Loan Insurance Program (CLIS) which provides protection only in the case of major catastrophe. In order to provide adequate protection to growers, comprehensive, data driven crop insurance products need to be developed which complement the existing …

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Sustainable and Traceable Cotton Cultivation

Pakistan Agricultural Coalition (PAC) has incorporated a company called Mehrgarh Kasht Private Limited (MKPL) to produce low-trash, high-quality cotton through large-scale, mechanized cultivation with full traceability of each bale and meeting the specifications required by the textile industry. A strong team under MKPL has been put together and a pilot initiative on over 500 acres …

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Formation of the Collateral Management Company on Warehouse-receipts-based financing

The agri-financing regime based on electronic warehouse receipts (eWHRs) was launched in Pakistan’s agriculture sector after preparations and pilots have brought the regime to full readiness. The regime will not only bring financial access to farmers but also create strong incentives for crop testing, grading, and standardization, proper storage, reduction in post-harvest losses, and preservation …

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Promoting Investment and Farmer Participation in Pakistan’s eWHR Regime

Key to the success of the eWHR regime is widespread investment in near farm storages and agri warehouses which will participate in the regime. All of the facilities which have applied to Naymat for accreditation to date are mills given that the majority of Pakistan’s silo capacity lies within them. Many private sector players have …

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Farm Machinery Service Provider Model

Rice accounts for nearly ten percent of Pakistan’s exports. Out of Pakistan’s exports of $23.2 billion in FY18, rice exports were $2 billion. Yet our rice yields are below global average at 39 maunds per acre. Therefore, improving farm productivity and cutting post-harvest losses (15-20%) present an opportunity for significantly increasing rice exports over the …

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Agri-collateral management pilot through e-warehouse receipts

Farmers’ access to formal sector credit is highly constrained and they are mostly stuck with lenders from the informal sector who charge exorbitant interest rates. A key reason for constrained agri-lending is the use of farmers’ land as collateral by banks. PAC has successfully piloted a business model for lending against crop (not land) as …

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Satellite Based Crop Estimation: Red Chilli in District Umerkot, Sindh and Adjoining Areas

The incomplete, unreliable, untimely and often scattered data about a crop’s area, yield and production have been a limiting factor in documenting and, subsequently, improving agricultural productivity. This results in losses at various levels, from farmers suffering as they are forced to sell their crop at prices based on speculation to larger players such as …

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Broadening Knowledge Base: BBA Agriculture degree program

In early 2014, PAC brought about a collaboration between University of Agriculture, Faisalabad (UAF), Faisalabad and Institute of Business Administration (IBA), Sukkur to develop a 4-year BBA Agribusiness program that provides technical skills and business development and management training to students. The participating institutions, which offer industry-specific trainings and internships to the students include HBL, …

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