Agricultural Credit Analysis and Risk Management

Introduction to Agricultural Credit
• Overview of agricultural credit: Importance and role in the agricultural economy
• Types of agricultural loans and financing options
• Creditworthiness assessment in agriculture
• The role of financial institutions in agricultural credit
• Government policies and programs supporting agricultural credit

Credit Risk in Agriculture
• Understanding the unique risks in agricultural lending
• Factors influencing credit risk in agriculture: Weather, market volatility, and production cycles
• Identifying and assessing credit risk in agricultural businesses
• Case studies of credit risk failures in the agricultural sector
• Tools for evaluating risk exposure in agricultural lending

Financial Analysis for Agricultural Credit
• Key financial statements for agricultural businesses: Balance sheet, income statement, and cash flow statement
• Ratio analysis for agricultural businesses: Profitability, liquidity, and solvency ratios
• Understanding farm and agribusiness financial performance
• Assessing the borrower’s ability to repay: Debt service coverage ratio and working capital
• The role of financial projections in credit analysis

Risk Management Strategies in Agricultural Lending
• Risk identification and assessment in agricultural credit
• Mitigating risks through collateral and insurance options
• Diversification strategies for lenders in agricultural finance
• Hedging against commodity price fluctuations
• Developing risk management policies for agricultural lending institutions
• Case studies of successful risk management in agricultural finance

1ST BATCH: Tuesday, April 21, 2026 — Friday, April 24, 2026.

2ND BATCH: Tuesday, August 11, 2026 — Friday, August 14, 2026.

3RD BATCH: Tuesday, December 8, 2026 — Friday, December 11, 2026.

The training methodology integrates lectures, interactive discussions, collaborative group exercises, and
illustrative examples. Participants will acquire a blend of theoretical insights and hands-on practical
experience, emphasizing the application of learned techniques. This approach ensures that attendees return
to their professional environments equipped with both the competence and self-assurance to effectively
implement the acquired skills in their responsibilities.