ZADT
Zimbabwe Agricultural Development Trust
info@zadt.co.zw
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WHAT WE DO

The ZADT established its agricultural value chain financing structure after recognizing the pivotal role of access to finance in the recovery of the agricultural sector in Zimbabwe. It had also been realized that there was a shortage of appropriately priced and structured financing instruments in the country’s financial markets. The ZADT is constantly engaged in raising and availing appropriately priced capital to promote social development. The ultimate purpose of the ZADT funding is to contribute to the recovery and improvement of the smallholder farming sector in Zimbabwe, leading to increased incomes and food security for rural households.

  • OUR IMPACT
  • WHY ZADT || Our Value Offering
  • OUR DEVELOPMENT IMPACT UNDER PROJECTS
  • CROSS CUTTING ISSUES IN OUR IMPLEMENTATION
  • OUR KEY AREAS OF EXPERTISE
  • TARGET CLIENTELE AND AREAS
  • OUR FUNDING MODEL
  • ZADT FACILITATES ACCESS TO FINANCE FOR SMALLHOLDER FARMERS AND RELATED AGRIBUSINESS IN ZIMBABWE
Overall impact up to 2023+524,000Smallholder farmers received  access to finance by ZADT facilitation+330SMEs receiving access to finance by ZADT facilitation+20Value Chains – incl. crops, livestock & stock feeds –  increased access to finance through ZADT

Zimbabwe Agricultural Development Trust (ZADT)  has disbursed over 355 loans amounting to $100, 000 000 USD through 8 Commercial Banks and 9 Microfinance Institutions.

Zimbabwe Agricultural Development Trust (ZADT) has contributed to the recovery and improvement of the smallholder farming sector in Zimbabwe, as well as to improve production and consequently the food security and incomes of rural households.

ProjectFocusFunding PartnersTimelinesImpact in Numbers
Creating Adaptive Unique Systems for financing Women and Youth (CAUSEWAY)Financing Youth and Women- Led Agribusinesses (National)SIDA (2.5 Million)2023-20256300 Youths5000 Women
Youth-Led MSME Training and Mentorship ProjectCapacitating Young Entrepreneurs 50 % of which were women.African Development Bank’s Youth Empowerment Innovation Multi-Donor Trust Fund (YEI MDTF), African Guarantee Fund (AGF), (USD50,000.00)2021 – 2023100 Youths
Food for Export Masterclass in 2020 (FEM2020)Capacitating entrepreneurial women (National)Netherlands Embassy, Hivos, Zimtrade and PUM USD $51,248.00)2020- 2021Women Entreprenuers
CIMMYT Mechanization ProjectManaging the Lease-to-Own finance facility for smallholder farmers under the Smallholder Mechanisation ProjectCIMMYT (USD 20,797.44 )2020- 2023 Service Providers
OYEAccess to finance for Youths in Agriculture and Renewable EnergySNV (US$100,000)2021 -202345 Youths trained
Marirangwe United Bush DairySupporting smallholder dairy farmersDan Church Aid (USD36,000.00)2021 -2023smallholder farmers
Welthungerhilfe Zimbabwe (WHH)Providing capacity building for preparing bankable business plans and facilitating access to Finance for Inclusive value chains (Chillies, Round nuts/ nyimo, and Marula) to Small and Medium Enterprises (SMEs).Welthungerhilfe Zimbabwe (WHH) (USD3,960.00)September 2021 – June 202221 Agribusiness SMEs

Clientele

  • Smallholder farmers
  • Agribusiness MSMEs (dealing with smallholder farmers)

Target Areas

  • Communal areas
  • Old resettlement areas
  • A1 and A2 (Non-contested)
  • Peri-urban

Value chains supported
All agricultural value chains (crop and livestock) except Tobacco and Cotton

Pillar 1  To provide Business Development Services (BDS) and capacity building

A. BDS services to Smallholder Farmers, Women & Youth-Led Agribusinesses;

  • Services targeted at both start-ups and growth oriented-businesses
  • Training – business management, entrepreneurship, financial literacy, development of business plans, and funding proposals, gender mainstreaming, etc.
  • Business Mentorship services pre- and post-accessing finance from financial institutions,
  • Facilitating Market Linkages, Business to Business engagements, and linkages with Technical Assistance providers, Insurance, etc.
  • Services help the target SHFs, women, youth and MSMEs businesses to employ good financial management and loan servicing which helps to build their track record and earn credibility with financial institutions.
  • ZADT effectively assists in de-risking these target beneficiaries and to improve their bankability.

B. Services to Financial Institutions

  • Sharing of useful business-related information and risks about smallholder farmers that assists partner financial institutions to better service the smallholder agriculture sector,
  • We leverage our extensive knowledge in agricultural value chains and the clients to propose potential appropriate financial products,
  • Liquidity support to pilot new products and initiatives targeted at rural farmers and related agribusinesses,
    1. Some of the products developed by ZADT piloted through financial institutions include Climate Smart Agriculture (CSA) and access to Clean Technology (ACT).
    2. The Pfumvudza/Intwasa project – no financial institution was prepared to fund the pilot project. ZADT in partnership with CBZ bank funded this initiative in Murehwa and Makoni districts in 2016 and 2017 to the tune of US$2 million. About 5,000 smallholder farmers benefitted in the two districts through accessing finance in-kind through grower-packs under the maize value chain. The model proved to be transformative, and it has now been adopted into a national program.

Pillar 2 – Provision of Financial Support

  • ZADT partners with commercial banks and microfinance institutions to disburse funding
  • ZADT disburses finance directly