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working with tripartite financing agreements access to finance for smallholder Farmers remains a major challenge in agricultural development small holders are underserved by traditional Finance due to financial service providers like banks that are hesitant to engage but why here are three key reasons High transaction costs of customer acquisition and Loan Administration lack of data to understand credit worthiness and limited collateral to reduce repayment risk [Music] in the absence of traditional Finance agribusiness is often step in however they lend mainly out of necessity rather than choice such agribusinesses often lack the resources and experience to manage and administer loans on top of that they use up their working capital for Lending rather than core business and occasionally take a loss from LAX lending standards tripartite financing agreements Arrangements between a financial institution an off-taker farmers and often an input provider have the potential to solve many of