Three mechanisms.
One national system.
Three Pillars, One National Vision
Each pillar targets a distinct structural barrier. Together they form a self-reinforcing system where no single piece can deliver transformation alone.
NAFA
A pre-financing, risk-sharing, and credit guarantee mechanism that increases loanable funds available to the agricultural sector while reducing the risk of financing farmers.
FAST
Digital public infrastructure that integrates borrower data and streamlines loan lifecycle management, overcoming high costs and complexity for financial institutions.
CoE
A hub for strategic stakeholder coordination, problem-solving, and technical assistance on agro-insurance, financial literacy, rural-urban linkages, and institution capacity-building.
Building a permanent architecture for national scale.
Moving beyond isolated pilot projects to establish an overarching roadmap that systematically bridges financial gaps and unifies multi-stakeholder action.
— Drive broad execution & fill gaps
— Unify institutions & action plans
— Quantify gaps & monitor progress
— Joined-up coordinating mechanisms
Core Objectives of NAFIR
Designed under the joint leadership of the National Bank of Ethiopia and the Ministry of Agriculture to structurally transform the agricultural finance ecosystem.
Deepening Financial Inclusion
Deepen financial inclusion in agriculture by improving access to suitable and affordable financial services.
Inputs, Tech & Mechanization
Enhance access to agricultural inputs, technology, mechanization, insurance, and market services.
Risk Mitigation & Resilience
Strengthen agricultural risk mitigation mechanisms and climate resilience.
Productivity & Livelihoods
Improve farmer incomes and livelihoods through increased agricultural productivity and investment.
Food & Nutrition Security
Strengthen food and nutrition security through a more productive and sustainable agricultural sector.
Downstream Agro-Linkages
Cement strong downstream linkages with agro-industries through improved raw material supply and value chain development.
Gender & Inclusive Access
Promote gender equality and inclusive access to agricultural finance.
Export & Youth Employment
Increase export competitiveness, support import substitution, and create employment opportunities, particularly for youth.