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| − | {{SPIS Finance}}{{Back to SPIS Toolbox}} | + | {{Spis Invest}} |
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| | + | | {{Back to SPIS Toolbox 2}} |
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| | + | | {{Back to Finance}} |
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| | + | | {{Next Chapter}}[[SPIS_Toolbox_-_Credit_Policy:_Risk_Analysis|►Go to the Next Chapter]]</span></span> |
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| − | === '''<span style="color:#879637;">Credit Policy: Analyze Potential</span>''' === | + | === '''<span style="color:#879637;">2. Credit Policy: Analyze Potential</span>''' === |
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| | Today, solar-powered irrigation is a technically mature and reliable option and an alternative to conventional irrigation approaches. When analyzing options for the development of credit policies for SPIS, the following aspects should be considered: <br/> | | Today, solar-powered irrigation is a technically mature and reliable option and an alternative to conventional irrigation approaches. When analyzing options for the development of credit policies for SPIS, the following aspects should be considered: <br/> |
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| | *grant schemes or subsidies are available to borrowers (producer); | | *grant schemes or subsidies are available to borrowers (producer); |
| | *producers aim at specialized markets using environmental friendly technology (focusing on ecological production, which could give scope for premium pricing); | | *producers aim at specialized markets using environmental friendly technology (focusing on ecological production, which could give scope for premium pricing); |
| − | *technology distributors and system integrators available in the region; | + | *technology distributors and system integrators are available in the region; |
| | *water is available and managed adequately so as to prevent groundwater depletion in the long run. | | *water is available and managed adequately so as to prevent groundwater depletion in the long run. |
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| | *a comparatively high initial capital investment requirement; | | *a comparatively high initial capital investment requirement; |
| − | *longer repayment periods or/and significantly higher repayment rates; | + | *longer repayment periods or/and significantly higher repayment rates in case of single user; for a community based model, the payback period is reduced; |
| | *higher credit risk. | | *higher credit risk. |
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| | ==== '''<span style="color:#879637;">Data Requirements</span>''' ==== | | ==== '''<span style="color:#879637;">Data Requirements</span>''' ==== |
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| − | *Profile end customers (cropping patterns, irrigation techniques, pumping systems, market); | + | *Profile of end customers (cropping patterns, irrigation techniques, pumping systems, other available pumping alternatives, market); |
| − | *Current offer of loan products available for potential SPIS customer; | + | *Current loan products available for potential SPIS customer; |
| | *Water and energy provision regime in region; | | *Water and energy provision regime in region; |
| | *Support/advice structures and subsidy schemes (refinancing) available for the region; | | *Support/advice structures and subsidy schemes (refinancing) available for the region; |
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| | *Market analysts/consultants; | | *Market analysts/consultants; |
| | *Research and training institutions; | | *Research and training institutions; |
| − | *Public entities promoting or/and subsidizing SPIS initiatives; | + | *Public entities promoting and/or subsidizing SPIS initiatives; |
| | *Donors refinancing solar-powered initiatives; | | *Donors refinancing solar-powered initiatives; |
| | *Associations of producers / potential borrowers; | | *Associations of producers / potential borrowers; |
| − | *Technology providers; | + | *Technology and service providers. |
| − | *Service providers.
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| | ==== '''<span style="color:#879637;">Important Issues</span>''' ==== | | ==== '''<span style="color:#879637;">Important Issues</span>''' ==== |
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| | *Solar-powered irrigation technology is mature, reliable and systems costs have decreased. | | *Solar-powered irrigation technology is mature, reliable and systems costs have decreased. |
| − | *SPIS generally require higher investment cost than other irrigation system, but operation costs are lower. | + | *SPIS generally require higher investment than other irrigation systems, but operational costs are lower. |
| | {{SPIS Reference}} | | {{SPIS Reference}} |
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| | + | {| cellpadding="1" |
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| | + | | {{Back to SPIS Toolbox 2}} |
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| | + | | {{Back to Finance}} |
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| | + | | {{Next Chapter}}[[SPIS_Toolbox_-_Credit_Policy:_Risk_Analysis|►Go to the Next Chapter]]</span></span> |
| | + | |} |
Today, solar-powered irrigation is a technically mature and reliable option and an alternative to conventional irrigation approaches. When analyzing options for the development of credit policies for SPIS, the following aspects should be considered:
