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financial Empowerment

Agros customizes financial products to meet the cash flow and seasonal needs of the families to ensure business success and to teach basic financial literacy like budgeting, saving and investing. In addition to long-term loans for land, we also provide loans for items such as agricultural improvements and irrigation.

We work through three stages of development helping to stablize then strengthen, and finally prepare families to independently manage their finances. 

  Stage Length Activities
  Stage 1: Stabilize 1 - 2 years

Families receive training to achieve basic financial management skills

Famlies have stablizied their financial assets and have some savings to cope with stresses

  Stage 2: Strenthen 2 - 3 years

Families receive additional training to achieve intermediate financial management skills including the devleopment of a cash flow plan for the family budget.

Families have inceased their financial assets and have savings to cope with stresses and shocks

Village Savings and Loan Associations (VSLAs) are introduced into the community to help families save money and to provide loans for productive initiatives 

  Stage 3: Independent 2 - 3  years

Families have strong financial management skills and are managing their cash flow independently

Families begin to develop relationships with external financial institutions