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Thematic Area:

Rural & Smart Agri-finance Development




European Bank for Reconstruction and Development (EBRD)


Turkey, Caucasus & Central Asia

Country Coverage:           


Project Overview

The Turkey Agricultural Finance Facility - MSME Lending Programme – (TurAFF) carried out capacity and institution building for Partner Banks (PBs) to help them introduce and/or further agricultural lending techniques with the aim of increasing Turkish Farmers’ access to finance.

The overall objective of the Programme is to increase the role of PBs in the EBRD Turkey MSME Lending programme and extend Micro, Small and Medium-Sized Enterprise (MSME) lending techniques to the least economically developed regions of the country, thereby increasing access to finance by MSME borrowers.

The Programme specifically targets MSMEs, farmers and agribusinesses located in rural areas. Aside from the measures supporting MSME lending, the Programme offers focused technical assistance (TA) to increase credit to the agricultural sector and to enable PBs to lend at sustainable levels in rural areas of Turkey.


Project structure

Frankfurt School advised and assisted nine PBs in the development of new products for new and existing markets, including the development and expansion of small agricultural loans and loans to female farmers.

Additionally, the TA focused on trainings and seminars related to sustainable agriculture; development of agricultural risk assessment tools and innovative finance mechanisms like value chain finance; overall business strategy in the development of agricultural lending; and, the establishment of dedicated departments for agri-lending. To increase capacity at the borrower level, a number of trainings and capacity building events have been implemented (such as modern agriculture trainings and financial literacy trainings for farmers).

The TA activities carried out by the Frankfurt School expert team achieved the following results:

  • More than 2,600 bankers have been trained in MSME lending, agri-lending, agricultural risk management, environmental risk management, agricultural project/investment finance, agricultural marketing and sales trainings, environmental standards, etc.;
  • More than 1,000 women in 12 provinces attended the delivery of regional entrepreneurship seminars tailored to women entrepreneurs in the agriculture sector and potential women entrepreneurs; and,
  • The creation of an advisory services website for farmers/agricultural enterprises in partnership with a PB where clients can ask questions related to agricultural production and investments and Frankfurt School’s in-house Agriculture Expert Team regularly answers the questions received.

Erdal Kocoglu


Turkey Regional Office