Agricultural Loan Evaluation System

ALES enables financial service providers to expand their agricultural lending in a low-risk, cost-effective, and faster way. This is achieved by automating the credit assessment process through an efficient and standardized scoring of agricultural loans.

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History

2008

An excel-based “Client Assessment Programme – CAP Tool” was developed for six commercial banks and MFIs in Tajikistan which laid the foundation of ALES.

2011

ALES was developed with additional features, products and scoring for the use of Turkish financial institutions.

2012

One of the largest private commercial banks in Turkey started using a web-based version of ALES integrated with its core banking system.

2013

A centralized version of ALES (under the brand name of TARDES) was developed and offered for the use of whole financial sector in Turkey by the Turkish Credit Bureau (KKB).

2016

A customized version of ALES for the Chinese agriculture sector was developed for a regional bank in China.

2017

A web-based version of ALES tailored for the Azerbaijani agriculture sector was developed.

2018

Micro-lending version of ALES was developed for the use of a Zambian microfinance institution.

2019

Centralized version of ALES including cash flow analysis function was developed and offered for the use of whole financial sector in Azerbaijan by the credit agency of Ministry of Agriculture.

2019

A specific version of web-based ALES was developed for an MFI operating in Kazakhstan.

2019

“Farmer ALES” was developed for the use of farmers and extension service providers and launched for the first time in Azerbaijan.

2019

ALES was customized in line with the Cypriot agriculture sector and offered to the use of a commercial bank in Northern Cyprus.

2020

Egyptian ALES is currently being developed in cooperation with the country’s credit bureau and in consultation with the FIs.

2020

Georgian ALES is currently being developed for the leading banks of the country in cooperation with the Georgian Agricultural and Rural Development Agency of the Ministry of Environmental Protection and Agriculture.

10

Countries

24

Financial Institutions

3

Agricultural Loan Evaluations

Testimonials

isbank
kkb
akia
zambia

Contact

Omer Faruk Demirhan
Senior Project Manager
o.demirhan@int.fs.de

Serkan Veziroglu
Project Manager
s.veziroglu@int.fs.de

Request a Demo

Request access for a demo version of web based ALES.