The validated GAMIRSAL business plan is expected to increase the appetite of banks and other financial institutions to lend to agriculture as the most sustainable approach to increase production and productivity of both crops and livestock and also to expand agribusiness activities. Delivering a statement at the forum, Mr Hassan Jallow, permanent secretary at Ministry of Agriculture expressed delight at the validation of this important incentive-based risk sharing system for the agricultural lending in The Gambia. He observed that one of the biggest challenges to development of agriculture in The Gambia as recognized by the MOA is the lack of access to finance. PS Jallow recalled that over the years government has implemented several initiatives and interventions to increase access to finance to agriculture, which he said, include the defunct Agricultural Development Bank, The Gambia Cooperative Union, VISACAs, among others.
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The structure of home mortgages varies around the world. Paying for mortgage points is a common practice in the United States. According to anecdotal evidence, it may be a uniquely American approach to home financing.
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