{"id":1399,"date":"2013-12-24T09:00:19","date_gmt":"2013-12-24T09:00:19","guid":{"rendered":"https:\/\/www.insta-pro.com\/?p=1399"},"modified":"2023-06-20T10:05:00","modified_gmt":"2023-06-20T15:05:00","slug":"money-is-all-you-need","status":"publish","type":"post","link":"https:\/\/instapro.spinuhost.com\/en\/blog\/businessstrategyandfinance\/money-is-all-you-need\/","title":{"rendered":"Money is All You Need&#8230;?"},"content":{"rendered":"<p>Finding the money to fund equipment and raw materials purchases is the biggest obstacle in the path of African agribusiness enterprises.<\/p>\n<p>Yes, you have heard me say this before.<\/p>\n<p>Not everyone agrees with me. Randall Kempner, who manages the <a href=\"http:\/\/www.aspeninstitute.org\">Aspen Network of Development Entrepreneurs (ANDE<\/a>), a global network of organizations that fund small businesses in emerging markets, told the <a href=\"http:\/\/www.bidnetwork.org\">BiD Network<\/a><b>\u00a0<\/b>meeting in Kigali last month: \u201cTwo other issues are even more important. The first is access to talent. The second is access to markets, and then it is access to capital.\u201d<\/p>\n<p>African Development Bank (AfDB) has just published a report called\u00a0<i><a href=\"http:\/\/www.afdb.org\/fileadmin\/uploads\/afdb\/Documents\/Project-and-Operations\/Financial%20Inclusion%20in%20Africa.pdf\">Financial Inclusion in Africa.\u00a0<\/a><\/i><\/p>\n<p>It says that firms in Sub-Saharan Africa have less access to external funding. Only 22% of African enterprises have a loan or a line of credit compared to a 43% in other developing economies outside Africa.<\/p>\n<p>\u201cIn sub-Saharan Africa, 45% of firms cite access to finance as a major constraint to growth. However, a higher percentage of small firms identify access to\u00a0<a href=\"http:\/\/www.howwemadeitinafrica.com\/category\/sectors\/banking\/\" target=\"_blank\" rel=\"noopener noreferrer\">finance<\/a>\u00a0as a major constraint relative to medium and large enterprises.\u201d<\/p>\n<p><em><b>The \u201cUnbanked\u201d Mmasses<\/b><\/em><\/p>\n<p>On average, 23% of adults in Africa have an account at a formal financial institution. This means more than 3 people out of 4 don\u2019t have a bank account, although they may be part of an informal savings scheme.\u00a0 So perhaps it\u2019s little wonder that commercial banks don\u2019t have much money to lend, therefore they are very cautious.<\/p>\n<p><em><b>Private Equity to the Rescue?<\/b><\/em><\/p>\n<p>The <a href=\"https:\/\/www.avca-africa.org\/\">African Private Equity and Venture Capital Index<\/a>\u00a0shows that African private equity funds achieved 11% annualized return over the last 10 years. That\u2019s based on returns from 40 funds worth $7.3 billion that have investments in over 350 companies in 25 African countries.<\/p>\n<p>\u201cWe expect the index to increase investor confidence, as it shows that returns from private equity in\u00a0Africa are as attractive, if not more attractive, than other regions,\u201d says David Wilton, Chief Investment Officer at the World Bank\u2019s IFC.<\/p>\n<p>But not everyone is optimistic. Exchange controls, national regulations, small deal sizes, fragmented markets, and lack of managerial talent, are all turn-offs for outside investors.<\/p>\n<p>Bear in mind that 84% of investments in SMEs in Africa are financed through internal funds \u2013company profits are the source of investment. Also remember that investors do have choices. For example, South Africa\u2019s GDP ($384 bn) is still smaller than North Carolina\u2019s ($399 bn).<\/p>\n<p><em><b>Optimistic 2014<\/b><\/em><\/p>\n<p>Will 2014 bring more funding to Africa\u2019s struggling agribusiness entrepreneurs? The outlook is hopeful, not least because there is a growing understanding of the funding difficulties SMEs face. Initiatives like the DCA Loan Guarantee Scheme, the Africa Guarantee Fund and the Insta-Pro-Innovare Leasing Program are seeking out ways to help entrepreneurs access capital.<\/p>\n<p>So if you are an agribusiness in Africa, don\u2019t worry about the U.S. Fed\u2019s QE tapering or the missed generation of Europe, go out and look for funds now \u2013 they are probably looking for you too!<\/p>\n<p style=\"text-align: center;\">\n","protected":false},"excerpt":{"rendered":"<p>Finding the money to fund equipment and raw materials purchases is the biggest obstacle in the path of African agribusiness enterprises. Yes, you have heard me say this before. Not everyone agrees with me. Randall Kempner, who manages the Aspen Network of Development Entrepreneurs (ANDE), a global network of organizations that fund small businesses in [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":10829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31],"tags":[8979,92],"class_list":["post-1399","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-businessstrategyandfinance","tag-african-business","tag-business-strategy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Funding African Agribusiness Enterprises | Insta-Pro Intl<\/title>\n<meta name=\"description\" content=\"Finding the money to fund equipment and raw materials purchases is the biggest obstacle in the path of African agribusiness enterprises. Will 2014 be the year?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/instapro.spinuhost.com\/en\/blog\/businessstrategyandfinance\/money-is-all-you-need\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Money is All You Need...?\" \/>\n<meta property=\"og:description\" content=\"Finding the money to fund equipment and raw materials purchases is the biggest obstacle in the path of African agribusiness enterprises. Will 2014 be the year?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/instapro.spinuhost.com\/en\/blog\/businessstrategyandfinance\/money-is-all-you-need\/\" \/>\n<meta property=\"og:site_name\" content=\"Insta-Pro\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/instaprointernational\/\" \/>\n<meta property=\"article:published_time\" content=\"2013-12-24T09:00:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-20T15:05:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/instapro.spinuhost.com\/wp-content\/uploads\/2017\/02\/what-capacity-does-my-plant-need.png\" \/>\n\t<meta property=\"og:image:width\" content=\"920\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Michael Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@InstaProInt\" \/>\n<meta name=\"twitter:site\" content=\"@InstaProInt\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/\"},\"author\":{\"name\":\"Michael Martin\",\"@id\":\"https:\\\/\\\/insta-pro.spinudev.com\\\/en\\\/#\\\/schema\\\/person\\\/4f97c848f916ba5c0839276d75a7ede5\"},\"headline\":\"Money is All You Need&#8230;?\",\"datePublished\":\"2013-12-24T09:00:19+00:00\",\"dateModified\":\"2023-06-20T15:05:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/\"},\"wordCount\":488,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\\\/\\\/insta-pro.spinudev.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/instapro.spinuhost.com\\\/wp-content\\\/uploads\\\/2017\\\/02\\\/what-capacity-does-my-plant-need.png\",\"keywords\":[\"African Business\",\"Business Strategy\"],\"articleSection\":[\"Business Strategy &amp; Finance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/\",\"url\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/\",\"name\":\"Funding African Agribusiness Enterprises | Insta-Pro Intl\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insta-pro.spinudev.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/instapro.spinuhost.com\\\/en\\\/blog\\\/businessstrategyandfinance\\\/money-is-all-you-need\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/instapro.spinuhost.com\\\/wp-content\\\/uploads\\\/2017\\\/02\\\/what-capacity-does-my-plant-need.png\",\"datePublished\":\"2013-12-24T09:00:19+00:00\",\"dateModified\":\"2023-06-20T15:05:00+00:00\",\"description\":\"Finding the money to fund equipment and raw materials purchases is the biggest obstacle in the path of African agribusiness enterprises. 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