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Certified Expert in Sustainable Agricultural Finance

Certificate Course

Your next career step starts here

Drive growth and resilience in agriculture with this flexible online programme. Learn how to design inclusive financial products, manage credit risk, apply digital solutions, and strengthen agricultural value chains. Gain practical tools you can use immediately, benefit from global best practices, and make a lasting impact in sustainable agricultural finance.

This programme is also available in French and Spanish.

Next start date

01 mars 2026

Duration

6 Months

Language

English

Format

Online

Type of education

Certificate Course

Early Bird Price

€ 700

Drive growth and resilience in agriculture with this flexible online programme. Learn how to design inclusive financial products, manage credit risk, apply digital solutions, and strengthen agricultural value chains. Gain practical tools you can use immediately, benefit from global best practices, and make a lasting impact in sustainable agricultural finance.

This programme is also available in French and Spanish.

Close-up of hands holding a pen and notebook during a meeting with laptops.

Your Benefits

Build the expertise to shape the future of agriculture and finance. This online programme gives you practical skills and global insights you can apply right away.

  1. Design inclusive financial products tailored to farmers and agribusinesses
  2. Manage credit risk and apply digital finance solutions for wider access
  3. Strengthen agricultural value chains through innovative business models
  4. Gain an internationally recognised certification to boost your career
  5. Gain an accredited certification (3 ECTS credits)

Target group

The Certified Expert in Sustainable Agricultural Finance programme is designed for professionals who want to shape the future of farming and finance. It is especially relevant for bankers and microfinance practitioners working in agricultural lending, as well as insurance and leasing professionals developing products for farmers and agribusinesses. Development finance specialists managing rural programmes will also benefit. The programme is equally valuable for policymakers, regulators, and central bank officers engaged in food security and climate finance. Consultants, advisors, and NGO practitioners supporting farmers, cooperatives, and producer organisations will find it directly applicable to their work. Whether you are already working in agricultural finance or looking to enter this dynamic field, this programme equips you with the knowledge, tools, and confidence to lead.
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Advance Your Career

Register by 15 January 2026 and secure the early bird discount. Regular price after this date: EUR 900.

 

 DISCOUNTS AVAILABLE

  • Early bird discount (by January 15)
  • 10% group discount
  • 10% alumni discount

Contact us for combinable discounts

Register by 15 January 2026 and secure the early bird discount. Regular price after this date: EUR 900.

 

 DISCOUNTS AVAILABLE

  • Early bird discount (by January 15)
  • 10% group discount
  • 10% alumni discount

Contact us for combinable discounts

REGISTRATION

01 mars 2026 - 31 août 2026

6 Months
€ 700

REGISTRATION

01 mars 2026 - 31 août 2026

6 Months
€ 700

METHODOLOGY

Flexible Learning. Lasting Impact

Our self-paced, asynchronous online courses are built for professionals who want to upskill on their own time, without putting work on hold. Our courses deliver international expertise and hands-on tools you can apply immediately.
  • Flexible, study anytime, anywhere
  • Practical learning, real-world examples
  • Expert support when you need it
  • Optional live sessions (also recorded, of course)

Join a global community of professionals who are advancing their careers with flexible, high-quality learning

CONTENTS

The Certified Expert in Sustainable Agricultural Finance online programme equips you with the skills to drive growth and resilience in agriculture. You’ll gain expertise in managing credit risk for agricultural lending, designing loan products tailored to farmers and agri-businesses, and applying digital finance solutions that expand access to credit. The course also explores agricultural insurance, inclusive financial services for smallholder farmers, and financing strategies that strengthen entire value chains. 
With a focus on practical application and global best practices, you’ll leave the programme with tools you can apply immediately to create impact in your work. 

COURSE OUTLINE

Unit 1

Farming Systems & Sustainable Agriculture

This unit sets the foundation for the course by providing basic knowledge about agriculture, which will be especially useful for those course participants that have no agriculture background.

This knowledge will be essential for a better understanding of the following units.

In this unit, you will learn about the key characteristics of major farming systems in the world – such as pastoralism, traditional mixed farming, industrialised livestock production – and the typical financial needs of those farming systems. In addition, you will learn about key practices in sustainable agriculture with a focus on smallholder farmers.

Unit 2

Business Models in Sustainable Agriculture Finance (SAF)

This unit provides an overview and critical discussion of different business models used in SAF.

We will present different types of financial institutions that engage in agricultural finance and then look at typical financial products, delivery channels, and institutional arrangements used by the providers of SAF.

You will gain a deep understanding of the business model concept and the business purpose from the perspective of financial institutions that already provide or intend to provide SAF. You will further learn about the double and triple bottom line concept in SAF, and gain knowledge of the key characteristics of the main business models currently used in SAF. Finally, you will be encouraged to reflect critically on the advantages and disadvantages of different SAF business models.

Unit 3

Sustainable Agricultural Value Chain Finance

This unit provides a deep insight into a very promising new business model used in agricultural finance: Sustainable Agricultural Value Chain Finance (SAVCF).

We will approach this topic from a conceptual and practical perspective. You will learn about the concept of value chain finance and the institutional requirements for successful SAVCF. Further, you will gain a thorough understanding of the characteristics and practices of contract farming in the context of SACVF. In addition, we will present and analyse typical SAVCF operations (examples from the field).

Unit 4

Credit Risk Management in SAF

This unit covers the main issues related to risk management in SAF, with a focus on smallholder lending.

You will get a good understanding of the main risks that farmers and SAF providers face. We will focus on individual credit risks and loan portfolio risks. In addition, you will learn about tools used for risk identification and risk measuring in agri-finance institutions. Moreover, we will look at the most important risk management practices used by institutions lending to smallholder farmers.

Unit 5

Credit Cycle Management in SAF

This unit covers the main issues related to conventional credit management in SAF, with a focus on smallholder lending.

We will explain the difference between group and individual lending. Next, we will present the elements of the traditional credit cycle and look at ways how they can be managed in group and individual lending. Finally, you will learn about good practices in credit cycle management in SAF, with a focus on smallholder lending.

Unit 6

Wrap-Up and Outlook

This unit wraps up the course by summarizing the key messages of all units.

It also presents the main contents of the optional electives:

Unit 7

Electives

Do you want to get more out of the course?

The course provides you with three electives to deepen your knowledge in the field of your interest.

Unit 7a – Digital Solutions for Sustainable Agricultural Finance

Unit 7b – Sustainable Agricultural Insurance

Unit 7c – Gender and Sustainable Agricultural Finance

COURSE OUTLINE

Unit 1

Farming Systems & Sustainable Agriculture

This unit sets the foundation for the course by providing basic knowledge about agriculture, which will be especially useful for those course participants that have no agriculture background.

This knowledge will be essential for a better understanding of the following units.

In this unit, you will learn about the key characteristics of major farming systems in the world – such as pastoralism, traditional mixed farming, industrialised livestock production – and the typical financial needs of those farming systems. In addition, you will learn about key practices in sustainable agriculture with a focus on smallholder farmers.

Unit 2

Business Models in Sustainable Agriculture Finance (SAF)

This unit provides an overview and critical discussion of different business models used in SAF.

We will present different types of financial institutions that engage in agricultural finance and then look at typical financial products, delivery channels, and institutional arrangements used by the providers of SAF.

You will gain a deep understanding of the business model concept and the business purpose from the perspective of financial institutions that already provide or intend to provide SAF. You will further learn about the double and triple bottom line concept in SAF, and gain knowledge of the key characteristics of the main business models currently used in SAF. Finally, you will be encouraged to reflect critically on the advantages and disadvantages of different SAF business models.

Unit 3

Sustainable Agricultural Value Chain Finance

This unit provides a deep insight into a very promising new business model used in agricultural finance: Sustainable Agricultural Value Chain Finance (SAVCF).

We will approach this topic from a conceptual and practical perspective. You will learn about the concept of value chain finance and the institutional requirements for successful SAVCF. Further, you will gain a thorough understanding of the characteristics and practices of contract farming in the context of SACVF. In addition, we will present and analyse typical SAVCF operations (examples from the field).

Unit 4

Credit Risk Management in SAF

This unit covers the main issues related to risk management in SAF, with a focus on smallholder lending.

You will get a good understanding of the main risks that farmers and SAF providers face. We will focus on individual credit risks and loan portfolio risks. In addition, you will learn about tools used for risk identification and risk measuring in agri-finance institutions. Moreover, we will look at the most important risk management practices used by institutions lending to smallholder farmers.

Unit 5

Credit Cycle Management in SAF

This unit covers the main issues related to conventional credit management in SAF, with a focus on smallholder lending.

We will explain the difference between group and individual lending. Next, we will present the elements of the traditional credit cycle and look at ways how they can be managed in group and individual lending. Finally, you will learn about good practices in credit cycle management in SAF, with a focus on smallholder lending.

Unit 6

Wrap-Up and Outlook

This unit wraps up the course by summarizing the key messages of all units.

It also presents the main contents of the optional electives:

Unit 7

Electives

Do you want to get more out of the course?

The course provides you with three electives to deepen your knowledge in the field of your interest.

Unit 7a – Digital Solutions for Sustainable Agricultural Finance

Unit 7b – Sustainable Agricultural Insurance

Unit 7c – Gender and Sustainable Agricultural Finance

COURSE OUTLINE

Unit 1

Farming Systems & Sustainable Agriculture

This unit sets the foundation for the course by providing basic knowledge about agriculture, which will be especially useful for those course participants that have no agriculture background.

This knowledge will be essential for a better understanding of the following units.

In this unit, you will learn about the key characteristics of major farming systems in the world – such as pastoralism, traditional mixed farming, industrialised livestock production – and the typical financial needs of those farming systems. In addition, you will learn about key practices in sustainable agriculture with a focus on smallholder farmers.

Unit 2

Business Models in Sustainable Agriculture Finance (SAF)

This unit provides an overview and critical discussion of different business models used in SAF.

We will present different types of financial institutions that engage in agricultural finance and then look at typical financial products, delivery channels, and institutional arrangements used by the providers of SAF.

You will gain a deep understanding of the business model concept and the business purpose from the perspective of financial institutions that already provide or intend to provide SAF. You will further learn about the double and triple bottom line concept in SAF, and gain knowledge of the key characteristics of the main business models currently used in SAF. Finally, you will be encouraged to reflect critically on the advantages and disadvantages of different SAF business models.

Unit 3

Sustainable Agricultural Value Chain Finance

This unit provides a deep insight into a very promising new business model used in agricultural finance: Sustainable Agricultural Value Chain Finance (SAVCF).

We will approach this topic from a conceptual and practical perspective. You will learn about the concept of value chain finance and the institutional requirements for successful SAVCF. Further, you will gain a thorough understanding of the characteristics and practices of contract farming in the context of SACVF. In addition, we will present and analyse typical SAVCF operations (examples from the field).

Unit 4

Credit Risk Management in SAF

This unit covers the main issues related to risk management in SAF, with a focus on smallholder lending.

You will get a good understanding of the main risks that farmers and SAF providers face. We will focus on individual credit risks and loan portfolio risks. In addition, you will learn about tools used for risk identification and risk measuring in agri-finance institutions. Moreover, we will look at the most important risk management practices used by institutions lending to smallholder farmers.

Unit 5

Credit Cycle Management in SAF

This unit covers the main issues related to conventional credit management in SAF, with a focus on smallholder lending.

We will explain the difference between group and individual lending. Next, we will present the elements of the traditional credit cycle and look at ways how they can be managed in group and individual lending. Finally, you will learn about good practices in credit cycle management in SAF, with a focus on smallholder lending.

Unit 6

Wrap-Up and Outlook

This unit wraps up the course by summarizing the key messages of all units.

It also presents the main contents of the optional electives:

Unit 7

Electives

Do you want to get more out of the course?

The course provides you with three electives to deepen your knowledge in the field of your interest.

Unit 7a – Digital Solutions for Sustainable Agricultural Finance

Unit 7b – Sustainable Agricultural Insurance

Unit 7c – Gender and Sustainable Agricultural Finance

STUDY JOURNEY

Step
01

Register

The course starts twice a year, on 1 March and 1 September
Step
02

Participate

6 months, 100% online, self-pace, self-study, few deadlines
Step
03

Pass the Exam

Online, offered twice a year
Step
04

Get Certified

Receive your e-certificate

MODULE OF

ONLINE

Master of Leadership in Sustainable Finance

Recognised as elective module

Benefit from an Alumni discount and have the course credited when you continue to the Master of Leadership in Sustainable Finance.

BLENDED

Diploma in Green Finance

Recognised as core module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Green Finance.

BLENDED

Diploma in Financial Inclusion

Recognised as core module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Financial Inclusion.

BLENDED

Diploma in Risk Management

Recognised as elective module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Risk Management.

MODULE OF

ONLINE

Master of Leadership in Sustainable Finance

Recognised as elective module

Benefit from an Alumni discount and have the course credited when you continue to the Master of Leadership in Sustainable Finance.

BLENDED

Diploma in Green Finance

Recognised as core module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Green Finance.

BLENDED

Diploma in Financial Inclusion

Recognised as core module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Financial Inclusion.

BLENDED

Diploma in Risk Management

Recognised as elective module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Risk Management.

MODULE OF

ONLINE

Master of Leadership in Sustainable Finance

Recognised as elective module

Benefit from an Alumni discount and have the course credited when you continue to the Master of Leadership in Sustainable Finance.

BLENDED

Diploma in Green Finance

Recognised as core module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Green Finance.

BLENDED

Diploma in Financial Inclusion

Recognised as core module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Financial Inclusion.

BLENDED

Diploma in Risk Management

Recognised as elective module

Benefit from an Alumni discount and have the course credited when you continue to the Diploma in Risk Management.

Download key programme information

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Moudachirou Lamidi

Programme Manager

e-campus@fs.de

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