Our Lending - Social Accounts 2023 - Flipbook - Page 20
Our Lending
A recent report published by the Smallholder and
Agri-SME Finance and Investment Network (SAFIN),
stated ‘Recent years have presented shock after shock,
not only to the agriculture sector but to the global
economy as a whole. From restrictions on labour
movement, steep increases in input prices, logistical
bottlenecks, and falls in market demand, global crises
have threatened the livelihoods of agripreneurs
everywhere.’ (Appendix 4)
This backdrop emphasises how the need for our finance
is increasingly important. Our aim is to continue to be a
trustworthy and respected social finance provider, with a
special focus on supporting smaller, more vulnerable
groups often unsupported by other lenders. As these
groups grow their businesses, they can increase their
income and make meaningful contributions to poverty
alleviation in their communities.
Covid-19, global inflation and recessionary pressures,
exacerbated by some political instability in certain
countries, have disrupted economies worldwide over the
past three years. This has resulted in reduced demand
for products like coffee and cocoa while input prices
have risen, partly due to the Ukraine conflict.
Consequently, borrowers from Shared Interest now have
the challenge of shrinking profit margins due to lower
product demand and higher input costs.
Weak governance and poor financial management by
customers are constant challenges when managing our
lending portfolio. We encounter this more often in the
southern hemisphere section of our lending but at times,
in the north too. These issues carry significant
consequences, as inadequate business management
ultimately leads to loan defaults if left unaddressed.
Social Accounts 2023 - Flipbook - Page 1
Social Accounts 2023 - Flipbook - Page 2
Social Accounts 2023 - Flipbook - Page 3
Welcome to our 2023 Social Accounts - Social Accounts 2023 - Flipbook - Page 4
Welcome to our 2023 Social Accounts - Social Accounts 2023 - Flipbook - Page 5
Social Audit Statement - Social Accounts 2023 - Flipbook - Page 6
Introduction - Social Accounts 2023 - Flipbook - Page 7
Our Theory of Change - Social Accounts 2023 - Flipbook - Page 8
Our Outcomes - Social Accounts 2023 - Flipbook - Page 9
The Sustainable Development Goals - Social Accounts 2023 - Flipbook - Page 10
About Shared Interest - Social Accounts 2023 - Flipbook - Page 11
Our Mission - Social Accounts 2023 - Flipbook - Page 12
Part 1: Our Activities and Operations - Social Accounts 2023 - Flipbook - Page 13
Our Activities and Operations - Social Accounts 2023 - Flipbook - Page 14
Our Activities and Operations: Online Promotion - Social Accounts 2023 - Flipbook - Page 15
Our Activities and Operations: Social Media and Member Retention - Social Accounts 2023 - Flipbook - Page 16
Our Activities and Operations: Events - Social Accounts 2023 - Flipbook - Page 17
Our Activities and Operations: Ethical Content Gathering - Social Accounts 2023 - Flipbook - Page 18
Our Activities and Operations: Supporting Our Charity - Social Accounts 2023 - Flipbook - Page 19
Our Lending - Social Accounts 2023 - Flipbook - Page 20
Our Lending: Providing a Reliable Source of Finance and Customer and Portfolio Development - Social Accounts 2023 - Flipbook - Page 21
Our Lending: Customer relationships, communication and events - Social Accounts 2023 - Flipbook - Page 22
Products Financed - Social Accounts 2023 - Flipbook - Page 23
Products Financed - Social Accounts 2023 - Flipbook - Page 24
Due Diligence and Management of our Risk Portfolio - Social Accounts 2023 - Flipbook - Page 25
Disbursements - Social Accounts 2023 - Flipbook - Page 26
Lending per Region - Social Accounts 2023 - Flipbook - Page 27
Number of Customers per Country in 2023 - Social Accounts 2023 - Flipbook - Page 28
Where we made Disbursements in 2023 - Social Accounts 2023 - Flipbook - Page 29
Our Projects - Social Accounts 2023 - Flipbook - Page 30
Our Team - Social Accounts 2023 - Flipbook - Page 31
Our Team: Recruitment and Hybrid Working - Social Accounts 2023 - Flipbook - Page 32
Our Team: Internal Communication, Wellbeing and Social Events and Benefits and Salary - Social Accounts 2023 - Flipbook - Page 33
Our Team: Engagement Survey - Social Accounts 2023 - Flipbook - Page 34
Our Team: Our Volunteers - Social Accounts 2023 - Flipbook - Page 35
Our Team: Our Volunteers (Case Studies) - Social Accounts 2023 - Flipbook - Page 36
Environment - Social Accounts 2023 - Flipbook - Page 37
Financial Stewardship - Social Accounts 2023 - Flipbook - Page 38
Part 2: Our Impact - Social Accounts 2023 - Flipbook - Page 39
Improvement in the Livelihood of People as they Trade their way out of Poverty - Social Accounts 2023 - Flipbook - Page 40
Improvement in the Livelihood of People as they Trade their way out of Poverty - Social Accounts 2023 - Flipbook - Page 41
Gender Equality - Social Accounts 2023 - Flipbook - Page 42
Gender Equality - Social Accounts 2023 - Flipbook - Page 43
Long Term Outcome 1: Increased Income for Farmers, Artisans and Workers - Social Accounts 2023 - Flipbook - Page 44
Long Term Outcome 1: Increased Income for Farmers, Artisans and Workers - Social Accounts 2023 - Flipbook - Page 45
Long Term Outcome 1: Increased Income for Farmers, Artisans and Workers - Social Accounts 2023 - Flipbook - Page 46
Long Term Outcome 1: Increased Income for Farmers, Artisans and Workers - Social Accounts 2023 - Flipbook - Page 47
Case Study: CAYAT - Social Accounts 2023 - Flipbook - Page 48
Case Study: CAYAT - Social Accounts 2023 - Flipbook - Page 49
Long Term Outcome 2: Stronger, More Resilient and Sustainable Businesses - Social Accounts 2023 - Flipbook - Page 50
Long Term Outcome 2: Stronger, More Resilient and Sustainable Businesses - Social Accounts 2023 - Flipbook - Page 51
Long Term Outcome 3: Employment Creation for Farmers, Artisans and Workers - Social Accounts 2023 - Flipbook - Page 52
Case Study: EDUCE - Social Accounts 2023 - Flipbook - Page 53
Social Accounts 2023 - Flipbook - Page 54
Increase in Technical Assistance and Producer Support - Social Accounts 2023 - Flipbook - Page 55
Enterprise Development - Social Accounts 2023 - Flipbook - Page 56
Women and Youth Empowerment - Social Accounts 2023 - Flipbook - Page 57
Women and Youth Empowerment - Social Accounts 2023 - Flipbook - Page 58
Women and Youth Empowerment - Social Accounts 2023 - Flipbook - Page 59
Women and Youth Empowerment - Social Accounts 2023 - Flipbook - Page 60
Women and Youth Empowerment - Social Accounts 2023 - Flipbook - Page 61
Building Climate Resilience - Social Accounts 2023 - Flipbook - Page 62
Summary - Social Accounts 2023 - Flipbook - Page 63
Summary - Social Accounts 2023 - Flipbook - Page 64
Stakeholders - Social Accounts 2023 - Flipbook - Page 65
Consultations - Social Accounts 2023 - Flipbook - Page 66
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Social Accounts 2023 - Flipbook - Page 70