NpM, Platform for Inclusive Finance commissioned a study on suitable agri-finance products for female farmers in Vietnam as part of a broader study on the promotion of women entrepreneurship in agriculture through access to finance. The NpM rural finance working group observed that women often do not access financial services in agriculture and, in particular, that larger loans are needed to continue their participation in the agricultural value chain.
This paper presents the results of the study aimed to analyse if and how women encounter constraints to effectively access financial services in agriculture and if they benefit effectively from accompanying non-financial services. The study explored the potential strategies for women to access larger loans. Furthermore, it intends to explore the business case for financial institutions to include women in larger lending segments. The study distinguished three categories of female rural clients: (1) poor rural women, (2) female farmers on family farms and (3) female entrepreneurs of micro, small and medium enterprises. The study focusses on the second category.