F3 Life is a social enterprise which enables the provision of “climate-smart” or “green” finance by companies, NGOs and financial institutions to farmers, fishermen and forest users in developing countries.
Under a climate-smart or green financing system, credit scores, interest rates and credit limits are set with reference to adoption of improved environmental agricultural, fishing and forestry practices by the credit user, as well as conventional credit criteria. These environmental criteria frequently have either climate adaptation and/or mitigation benefits.
Our current system focuses on improved soil conservation and agroforestry measures for increased soil fertility and improved quality and quantity of water in watershed rivers.
In the future our systems could underpin improved on-farm waste management, a variety of improved livestock management practices (both intensive and extensive), agro-forestry, plantation forestry, natural forest management, improved fisheries and fish-habitat conservation and an integrated range of credit instruments designed to build climate-smart sustainable value chains.