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Eco-credit systems for farming, fishing and forestry

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Eco-credit systems for farming, fishing and forestry

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Eco-credit systems for farming, fishing and forestry

We enable the provision of eco-credit by companies, financial institutions and NGOs to small-scale farmers, fishers and forest users.

What is ‘eco-credit’?

Under an eco-credit system, credit scores, interest rates and credit limits are set according to the quality of environmental management practised by the credit user, as well as conventional credit criteria.
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What we do

F3 Life provides software & management systems to companies, financial institutions and NGOs wanting to provide finance to small-scale producers on terms which promote improved environmental or natural resource management. Our systems facilitate credit scoring, loan tracking and compliance monitoring.

Why we do it

We view eco-finance as a catalyst for enabling millions of small-scale producers to build a more sustainable and wealthier future for themselves.  Eco-finance is also likely to be key for enabling local farmers, forest-users and fishers to adapt to the increasing risks posed by climate change.

Why we are different

We aim to be more effective than conventional projects in achieving the voluntary uptake of new or improved environmental practices by small-scale producers from which they benefit, and to do so on a cost neutral basis or by generating positive financial returns for investors.

  • Providing eco-credit to small-scale producers

    Providing eco-credit to small-scale producers

    Eco-credit means a loan provided to a client (e.g. a small-scale producer) which has additional pre-agreed and achievable environmental targets which the borrower must meet to fulfil the terms of the loan and to be able to borrow again.

  • Helps increase small-scale producer incomes

    Helps increase small-scale producer incomes

    There are millions of small-scale producers – farmers, forest-users and fisherfolk – dependent on natural resources for their livelihoods. Levels of poverty are high and people need access to affordable credit to invest in their livelihoods.

  • And restores and enhances ecosystems

    And restores and enhances ecosystems

    The health and productivity of our planet’s ecosystems is declining. Providing small-scale producers with eco-credit can help them turn around the decline in the ecosystems on which they depend for their livelihoods, with global climate and biodiversity benefits.

Farmer’s Life East Africa Limited, a credit-providing company, provides a demonstration site in Kenya’s southern Aberdare mountains. A first proof of concept was concluded in 2015 with 50 farmers and is now scaling to 350 farmers in 2016.