Rice inventory credit in Madagascar: conditions of access and diversity of rationales around an hybrid financial and marketing service

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The Malagasy rural finance network CECAM has been offering an innovative individual rice inventory credit to its members since 1993. Starting from the acknowledgement that the inventory credit is a hybrid product, which involves a mix of in kind and in cash flows and stocks, a mix of credit and savings features, and linkages with the local rice market, this papers sets out to inquire how it is accessed, used, and inserted in the strategies of different wealth categories of Cecam members.

This research conducted by E. Bouquet, B. Wampfler et E. Ralison is based on an analysis of quantitative and qualitative data that were collected in several phases during a 4 year impact study conducted by the authors from 2003 to 2007.

Evidence suggests that the Cecam inventory credit is globally well suited to the differentiated needs of poor as well as nonpoor households, because it lowers the access thresholds, it enhances the value of their rice production (be it for consumption or sale) and it allows them to pursue different kinds of strategies (more food security oriented for the poor, more entrepreneurial and diversification oriented for the non poor).

Document Information

Document Type Case Study
Auteur Bouquet, E.; Wampfler, B.; Ralison, E.
Year of Publication 2009
Nombre de pages 24 pp.
Région / Pays Globale, Afrique, Afrique du Sud / Madagascar
Langue principale Anglais (en)
Mots-clés Microfinance Agricole, Innovation
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