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Agrarian Credit Corporation: Our main goal is to increase access to loans in the agricultural sector

The Agricultural Credit Corporation (ACC) is a catalyst for sustainable development of agriculture. ACC is actively working to improve farmers' access to financial resources. An increase in the volume of loans provided allows agricultural enterprises to expand their activities, introduce innovative cultivation methods and ensure the development of the industry.

In just 3 less than full years, the Corporation has financed 50 thousand farmers in the amount of more than 1.0 trillion tenge. At the same time, ACC annually increases its lending volumes, which makes it possible for more and more farmers to receive financing for their projects. Thus, since 2016, funding volumes have more than doubled.

It is worth noting that a large role in the formation of ACC financing plans is assigned to farmers themselves, as for example, this was the case this year. Initially, the Corporation planned the volume of financing for 2023 at the level of 330.0 billion tenge, which was partly due to the high cost of borrowed funds, however, constant meetings of the Corporation management with local farmers clearly reflected the high need to increase lending volumes, which then led to increased work ACC to raise funds and increase the plan to 370 billion tenge. This fact proves the high commitment of the Corporation’s management to openness and readiness to discuss pressing issues with business in order to resolve them as quickly as possible.

Constant trips of the Corporation's management to the regions (12 regions and 2 cities were visited in 11 months) and meetings with farmers on the ground revealed a number of issues that required an immediate response. One of these issues is the need to provide payment deferrals to farmers who are faced with the problem of harvesting due to negative weather conditions. In order to provide support to affected farmers, the ACC has already provided restructurings and extensions worth 31 billion tenge this year, applications for another 8 billion tenge are under consideration.

In general, the Corporation strives to increase farmers' satisfaction not only by increasing funding, but also by improving its services. In a short period, such major tasks were implemented as the opening of the portal for microcredit, where farmers can receive a preliminary decision on their applications online within a few minutes, integration with the KASPI, Homebank, BCC, Kazpost applications, thanks to which borrowers ACCs can repay loans without commission and travel to regional centers, as well as the development of functionality for signing agreements through biometric identification. By the end of the year, it is planned to complete the launch of a mobile application, which at the first stage will allow you to submit online applications for microcredit, receive the necessary certificates and track loan repayment schedules.

In addition, work is underway to introduce online registration of collateral property via blockchain, in order to optimize the labor costs of farmers and speed up the receipt of loan funds, and to be able to track their applications, farmers will have access to the Corporation’s full-fledged CRM system.

Next year, many more new things are expected, which you can follow on the website, telegram channel and ACC accounts on social networks.