NUTRproject 3 Assignment Example | Topics and Well Written Essays - 250 words

NUTRproject 3 - Assignment Example Make this personal (as opposed to simply providing a book answer). Will you experience the consequence(s) of this behavior anytime soon, or do you not truly see this as a threat to your well-being in the next 5 years? 2. Using your knowledge of nutrition, list 3 advantages of the target behavior you selected. Again, please don’t just provide a book answer. What might changing this behavior provide to you today as opposed to 10 years from now? Is that worth the perceived â€Å"sacrifice† of changing whatever it is you’re currently doing? Why or why not? I am in this stage: ___________ Preparation: Description of target behavior doesn’t match my current behavior patterns, but I am motivated and confident that I can change them to be more like it in the next 30 days. 7. Start to recognize any successes you have had in practicing this behavior, no matter how small. Look over the records you kept and/or assessments you completed. When were you successful in following the desired behavior even a little? Why do you think you were successful? The times when there was a lot of activities during the day, that I missed the time for doing the exercises. I consider that introducing breaks of 30 minutes between the activities to involved in brisk walking or any other indoor physical activity can be helpful in adopting my target behavior 9. Increasing your knowledge of the advantages of practicing this behavior and/or the disadvantages of failing to do so can help motivate you for change. Using what you have learned in class so far, and/or other resources as needed, write a paragraph describing how you will benefit from making your target behavior a part of your lifestyle. If you need help finding a resource to help you, contact your instructor. Making the target behavior part of my lifestyle will help me in reconciling with my body, thereby promoting maintenance of my body composition. Healthy body composition is

Law for Business Students Essay Example | Topics and Well Written Essays - 1500 words

Law for Business Students - Essay Example It makes the contract completely cancelled and the precondition of the contract has to be considered for the legal status of English law. In other words, it is also described as the right of an individual who is the signatory to a contract to return to the similar state as earlier before entering into the agreement, if the courts doubt legal status. The repudiation may be in the form of mutual consent or individual action. It can also be practised by an issue of the decree by the court. Even though the invalidation of original contract subcontract situation, it may also be exercised under the circumstances of fraud, duress, material breach or default and misrepresentation. An oral or written contract can be rescinded on the ground of fraud. The right to rescind for fraud is allowed because of the logic that the defrauded party has failed to perform. However, all situations will not be declared as correct grounds for rescission based on fraud. False statements of value, or the failure to perform a promise to do something in the future without fraudulent intent, should not be considered as a basis for rescission for fraud or misrepresentation. The strong proof for fraudulent misrepresentation is required to be produced for justifying the repudiation of the contract. Once sufficient grounds were found confirming the involvement of the fraud, the victimized party can affirm the contract and can also sue for damages. Similarly, if any party violates the norms or provisions of the contract by involving in duress, the other party can repudiate the contract. It is also found that the same rules apply for repudiation of contract as in the case of fraud. However, the sufficient ground of duress has to be halved in the English court of law. This is to protect the interests of the innocent people.

Sons and Lovers Essay Example for Free

Sons and Lovers Essay The first part of the novel focuses on Mrs. Morel and her unhappy marriage to a drinking miner. She has many arguments with her husband, some of which have painful results: on separate occasions, she is locked out of the house and hit in the head with a drawer. Estranged from her husband, Mrs. Morel takes comfort in her four children, especially her sons. Her oldest son, William, is her favorite, and she is very upset when he takes a job in London and moves away from the family. When William sickens and dies a few years later, she is crushed, not even noticing the rest of her children until she almost loses Paul, her second son, as well. From that point on, Paul becomes the focus of her life, and the two seem to live for each other. Paul falls in love with Miriam Leivers, who lives on a farm not too far from the Morel family. They carry on a very intimate, but purely platonic, relationship for many years. Mrs. Morel does not approve of Miriam, and this may be the main reason that Paul does not marry her. He constantly wavers in his feelings toward her. Paul meets Clara Dawes, a suffragette who is separated from her husband, through Miriam. As he becomes closer with Clara and they begin to discuss his relationship with Miriam, she tells him that he should consider consummating their love and he returns to Miriam to see how she feels. Paul and Miriam sleep together and are briefly happy, but shortly afterward Paul decides that he does not want to marry Miriam, and so he breaks off with her. She still feels that his soul belongs to her, and, in part agrees reluctantly. He realizes that he loves his mother most, however. After breaking off his relationship with Miriam, Paul begins to spend more time with Clara and they begin an extremely passionate affair. However, she does not want to divorce her husband Baxter, and so they can never be married. Paul’s mother falls ill and he devotes much of his time to caring for her. When she finally dies, he is broken-hearted and, after a final plea from Miriam, goes off alone at the end of the novel.

The Eastern Chipmunk Essay -- essays research papers

The Eastern Chipmunk The Eastern chipmunk is a small rodent of the Sciuridae family. This chipmunk is closely related to the red and grey fox, the flying squirrel, and the woodchuck. Its Taxonomic name is Tamias Striatus. The word Tamias, Means collector or keeper and Striatus refers to its bold stripes and coloring. The body of the average Eastern Chipmunk is about 8 to 10 inches long, the weigh about 2 ÂÂ ½ to 4 ounces. The ears are rounded with ears that stick straight up. It has short legs, the hind legs each have five claws, the front legs have four, and a long thumb like extension. They also have a furry flat tail. Chipmunks have short, dense body fur. It is the same color for males and females. This is a reddish-brown with black and white hairs. The cheeks and sides of the body are grayish-tan to tawny brown. Chipmunks are omnivorous. They generally eat nuts, seeds of herbaceous plants, mushrooms, berries, corn, the flesh and seeds of some fruits and garden vegetables, Birds' eggs, insects, snails, earthworms, millipedes, salamanders, small snakes, frogs and young...

New Product Development Process Essay

For every successful new product, many new product ideas are conceived and discarded. Therefore, companies usually generate a large number of ideas from which successful new products emerge. I work as a strategic manager in Solarland Co., Ltd. This company does business of electronic appliances. As a Strategic Manager, I have been directed by my BOD to introduce a new product in Bangladesh. I want to introduce a Solar Based LED TV which will be run with solar system, which is without electricity people will be able to watch TV. So I have gone through my knowledge which I gained from my Strategic Management course and then make a draft of my proposal for them. The draft of my proposal for introducing a new solar based LED TV is discussed below. 1. Idea Generation The new product development process begins with idea generation. Strategic management is all about selling an idea. So as a Strategic manager I have created the new product idea of Solar Based LED TV. I have created this idea as I want to capture a new market where people do not have enough electricity or else they will also be able to safe electricity cost. This new product can define the overall character and mission of our company. 2. Idea Screening Idea screening, the second step, considers the new product idea of developing a Solar Based LED TV. At this stage I consider not only the firm’s manufacturing, technology, and marketing capabilities, but also how the new idea fits with the company’s vision and strategic objectives. During screening the idea I consider some facets which are very important like: What are the purposes of the organization? What image should the organization project? What are the ideals and philosophies that the organization desires its members to posses? What is the organizations business? How can the organization best fulfill its corporate objectives? 3. Concept Development and Testing The third stage, concept development and testing, requires formal evaluations of the product concept by consumers, usually through some form of marketing research. As a strategic manager, to build up a self-concept is very important. Self-Concept refers to the distinctive competence or major competitive advantages of the company. In case of concept testing, the existing strategic plan should be compared with the best plan which can be developed at any given point in time. So the best conceivable plan becomes the standard. The degree to which the existing plan varies from the standard and the cost of that variation compared to the cost of revising the plan will determine whether corrective action should be taken. Figure 1: New Product Development Process and Strategic Factors 4. Business Analysis The business analysis stage is next. At this point the new product idea is analyzed for its marketability and costs. After passing the first three stages an idea may be discarded once marketing and manufacturing costs are analyzed, due to limited potential for profitability or commercial success. I can do it through Porter Five Forces analysis. Figure 2: Factors of Industry Analysis Threat of new entrants Profitable markets that yield high returns will attract new firms. This results in many new entrants, which eventually will decrease profitability for all firms in the industry. Unless the entry of new firms can be blocked by incumbents the abnormal profit rate will trend towards zero (perfect competition). So I will analyze the threat factor of new entrants. For my new product I found that potential threat of new entrants are very low. Threat of substitute products or services The existence of products outside of the realm of the common product boundaries increases the propensity of customers to switch to alternatives. So I need to assess whether there is any existing or potential substitute of our new product. As this new product will work without electricity, so threat of substitute product is very low. Bargaining power of customers (buyers) The bargaining power of customers is also described as the market of outputs: the ability of customers to put the firm under pressure, which also affects the customer’s sensitivity to price changes. The buyer power is high if the buyer has many alternatives. We can take measures to reduce buyer power, such as implementing a loyalty program. Bargaining power of suppliers The bargaining power of suppliers is also described as the market of inputs. Suppliers of raw materials, components, labor, and services to the firm can be a source of power over the firm when there are few substitutes. Suppliers may refuse to work with our firm or charge excessively high prices for unique resources. So we need to be careful about that. 5. Prototype Development The fifth stage, prototype development, at this stage the concept is converted into an actual product. A customer value perspective during this phase means the product is designed to satisfy the needs expressed by consumers. We may use quality function deployment (QFD) as we develop the prototype. QFD links specific consumer requirements such as versatility, durability, and low maintenance with specific product characteristics (for example, adjustable shelves, a door-mounted ice and water dispenser, and touch controls for a refrigerator). The customer value perspective requires the new product to satisfy customer needs and meet desired quality levels at specified production costs. 6. Test Marketing In Test marketing we will test the prototype and marketing strategy in simulated or actual market situations. Because of the expense and risks associated with actual test markets, we need to use them with caution. If the product tests poorly, it will be pulled back and re-conceptualized or discarded. 7. Commercialization Commercialization, the final stage, is when the product is introduced full  scale. The level of investment and risk are highest at this stage. At this stage we will consider consumer adoption rates, timing decisions for introduction, and coordinating efforts with production, distribution, and marketing. STRATEGIC FACTORS INFLUENCING NEW PRODUCT DEVELOPMENT Organizational Structure and Culture Organizational structure, leadership, and team building influence the speed and efficiency with which new products are introduced. Structure influences efficiency, autonomy, and coordination. New product innovation requires structure that optimizes direction and guidance. Structure that facilitates internal information exchange, decision making, and materials flow is essential. A â€Å"fast-cycle† structure allows more time for planning and implementing activities to gain competitive advantage. This type of structure also cuts costs because production materials and information collect less overhead and do not accumulate as work-in-process inventory. Autonomy refers to the amount of decision making allowed at lower levels of management. The coordination of the engineering, product designs, manufacturing, and marketing functions in the new product development process is vital. Leadership Leadership influences strategy, culture, and the firm’s overall ability to undertake new product development. Top management can demonstrate involvement in the development process by providing career advancement for entrepreneurial skills and encouraging broad employee participation. Clarity and vision are crucial to ensuring that new product ideas are good strategic fits for the company. The degree to which leadership allows trial and error and promotes individual initiative positively influences the development of new products. This acceptance of risk and support for an entrepreneurial spirit within the organization are crucial in order for innovation to flourish. New products emerge in a variety of ways and their development does not always proceed in rational and consistent manners. It is necessary for leadership to view the process as iterative and dynamic, and to foster adaptation and flexibility. Management flexibility and responsiveness to  change also are needed. This type of leadership is particularly important to the project manager who must coordinate and integrate the various parts of the new product development process so that a coherent system emerges that produces a product with compelling value. Initiative encourages creativity and problem-solving skills. Team Building Teams provide mechanisms for breaking down functional biases created by a strict adherence to structure. The amount of interdepartmental conflict in the organization, the social cohesion among team members, and the frequency and directionality of interdepartmental communication influence team building. Through shared understanding of the objectives and purposes of the project, as well as the tasks required in the development process, teams can shape the project and influence how work gets done in the organization. Now a day technology continues to change and create new opportunities and threats. Customer requirements and expectations continue to shift and create new demands. Old channels of distribution are becoming obsolete and new channels are opening new opportunities. Some competitors are falling by the wayside while others are surging to the forefront by making new and unexpected moves to gain advantage. The very structure of industry is changing. A key to success in this tumultuous environment will continue to be the ability to sustain a competitive advantage through innovation. However, speed, efficiency, and quality in product development will be paramount. Building capabilities in all aspects of product creation and implementation, overcoming uncertainty and facilitating decision-making, ensuring these innovations are strategically linked to the firm’s vision, and doing this on a continuous basis is the challenge of new product development in the next century.

Enforcing Immigration laws Essay

It is a 10 pages paper with 6 works cited. In this paper we will discusses some of the important issues related to immigration laws. We will discuss U. S. federal laws which cover the issue of illegal entry into this country. How they are involved in acquiring jobs illegally. To what extent the law enforcement of federal immigration laws falls under the duties and responsibilities of a local police office. Introduction Debate over illegal immigration and policy to control such an activity, is not new to the nation’s history. Much in the way of policies and procedures has changed; one aspect, however, has remained constant: the existence of illegal immigration. It’s been long that Congress debated legislation to control the immigration problem. As illegal immigration is raising more, laws will be carried out demanding to release some of the pressure. Undocumented individuals offer cheaper labor to businesses. These individuals do not get minimum wage, but instead they get paid lower, this gives the business an edge over other competitors by facilitating the employers. , Laws concerning Illegal Immigration United States federal laws have defined specific criteria for distinguishing between legal and illegal immigrant. The claws are as follows (a) Except as provided in subsection (b) and subsection (c) no immigrant shall be admitted into the United States unless at the time of application for admission he (1) has a valid unexpired immigrant visa or was born subsequent to the issuance of such visa of the accompanying parent, and (2) presents a valid unexpired passport or other suitable travel document, or document of identity and nationality, if such document is required under the regulations issued by the Attorney General. With respect to immigrants to be admitted under quotas of quota areas prior to June 30, 1968, no immigrant visa shall be deemed valid unless the immigrant is properly chargeable to the quota area under the quota of which the visa is issued. Illegal Employment An individual must have a valid Social Security Number to legally work and live within any of the United States state. Non citizens, needs to get an authorization from the Department of Homeland Security to work according to US laws. However on the other hand there a numerous illegal immigrants seek and engage in work devoid of authorization from the government. The United States has laws requiring individuals to have legal documentation, mostly intended to stop the employment of illegal immigrants. The penalties against employers are not always enforced consistently, which means that employers can easily use illegal labor. Undocumented immigrants are especially popular with employers as they can easily abuse them by violating minimum wage laws protected in the knowledge that illegal workers dare not report their employers to the police. It is a crime to hire an immigrant, to employ an immigrant, or to refer an immigrant for a fee, knowing the immigrant is not permitted to work in any state of America. It is farther a crime to let the illegal immigrant work intentionally knowing that the person is not permitted to work. In most of the cases the employers preferably employ or recruit an illegal immigrant as compared to an American national they can easily be exploited. It is illegal to employ an individual for a job in the United States without complying with work eligibility verification requirements defined by the federal law. Requisites include inspection of identity documents and submission of Form I-9 for each worker hired. Employers should keep in record of I-9s Form of every individual employed as they are bound to present it to federal legislatives if asked. Employment embraces all sorts of work or labor performed for any type of compensation within America, with the excluding sporadic domestic service any individual in a private home. Day laborers or other casual workers involved in any remunerated activity are workers for purposes of immigration law. An employer is an agent or an individual involved directly or indirectly in the benefit of the worker. For purposes of verification of authorization to work, employer also means an independent contractor, or a contractor other than the person using the alien labor. The use of temporary or short-term contracts cannot be used to circumvent the employment authorization verification requirements. If employment is to be for less than the usual three days allowed for completing the I-9 Form requirement, the form must be completed immediately at the time of hire.

Financing Value Chains a Case of Crdb Bank Plc Essays

Financing Value Chains a Case of Crdb Bank Plc Essays Financing Value Chains a Case of Crdb Bank Plc Essay Financing Value Chains a Case of Crdb Bank Plc Essay Essay Topic: Chains â€Å"DEVELOPING AND FINANCING EFFECTIVE AGRICULTURAL VALUE CHAINS† Experience from CRDB Bank Plc Samson Keenja, CRDB Microfinance Services Company Limited, Dar es salaam, Tanzania INTRODUCTION Agriculture is the leading economic sector in Tanzania, providing a livelihood to 80% of the population. It is the primary source of food and raw materials accounting for 50% of the GDP and a leading export sector. It remains important for achieving sustained growth, poverty reduction and rural development. Agriculture in Tanzania is dominated by smallholder farmers (peasants) cultivating an average farm sizes of between 0. 9 hectares and 3. 0 hectares each. About 70 percent of Tanzania’s crop area is cultivated by hand hoe, 20 percent by ox plough and 10 percent by tractor. It is rain fed agriculture. Food crop production dominates the agriculture economy 5. 1 million ha. are cultivated annually, of which 85 percent is under food crops. The major constraints facing the Agriculture sector includes. 1. The falling labour and land productivity due to application of poor technology. 2. Dependence on unreliable and irregular weather conditions. Crops are adversely affected by periodical droughts. 3. Unreliable markets for the farm produce, affected not only by the principles of demand and supply but also by the Government policies on food security. 4. Poor road infrastructure for supply of farm inputs and transportation of farm produce to the markets. In Tanzania, most of production, processing and marketing functions have been assigned to the private sector. : However despite efforts by the private sector in investing in processing of crops yet a substantial amount of crops are sold unprocessed including crops such as cashew nuts and cotton. Agricultural value chains are becoming more complex over time due to change in the market environment driven by various factors among them being changes in demand, regulations, government policies and changes in lifestyles. As a result of these changes then product and market standards change which in turn, require changes from various actors in the chain that supply these products including their inputs to meet arket requirements. A critical input in the business of creating value in these changing agricultural chains is finance. Financial products need to also respond to the changing market requirements in the output markets. Mechanisms in terms of improving effectiveness of financial products, access and repayment need to be examined (Southeast Asian Regional Conference Value Chain Financing, 2007). What is a value chain? In order for a product to reach the consumer or user, there often are many processes or steps involved. Each step must have a direct link to the next in order for the processes to form a viable chain. At each stage, some additional transformation or enhancement is made to the product. Hence, a value chain is often defined as the sequence of value-adding activities, from production to consumption, through processing and commercialization. Value chains, or supply chains, in agriculture can be thought of as a â€Å"farm to fork† set of processes and flows – from the inputs to production to processing, marketing and the consumer. Each segment of a chain has one or more backward and forward linkages. A chain is only as strong as its weakest link and hence the stronger the links, the more secure is the flow of products and services within the chain (Calvin Miller and Carlos da Silva, Food and Agriculture Organization, Rome) Value chain in summary: [pic] Source: Paper on â€Å"Value Chain Financing in Agriculture† by Calvin Miller and Carlos da Silva FINANCING EFFECTIVE AGRICULTURAL VALUE CHAINS Finance is critical to increasing efficiency, improving product quality, and raising the productivity and income of value chain actors. Without access to finance, small farmers will continue to make little investment, have low of actors in the agricultural value chains financed by CRDB Bank; 1. INPUTS PRODUCTION: AMCOS, FARMER GROUPS, SACCOS, UNIONS and small to medium agribusiness entities. . PROCESSING: CURING COMPANIES, GINNERY COMPANIES and CASHEWNUTS PROCESSORS. 3. DISTRIBUTION: Loans to meet (1) transportation cost of inputs to farmers (2) meeting transport costs of harvested produces to factories, storage areas or market place. DEVELOPING EFFECTIVE AGRICULTURAL VALUE CHAINS CRDB Bank has been participating in developing effective agricultural value chains through variety of ways. In an effort to offer better services to our clients, special departments and in other case establishment of a dedicated Company to serve certain type of clients has been established. Our agriculture customers who fall in the value chain are normally segmented in the following categories (1) Microfinance customers (2) SME’s customers and (3) Corporate customers. In all three segments above, efforts are made by the bank into ensuring that there is effective agricultural value chain that address default risks while in turn reduce production unit cost, increase production volume while strives to add value in the chain. Activities that are aimed into attaining this are: ? Engage in promotion and establishment of various farmer cooperative societies such as AMCOS, SACCOS and UNIONS. Provision of technical assistance to these associations ? Assist in product designing ? Infrastructures loans such as for building irrigation system, warehouses and office buildings. ? Training and coaching our customers plus their staffs SAVINGS AND CREDIT COOPERATIVE SOCIETIES (SACCOS) are exclusively served by the CRDB Microfinance services Company Ltd, a subsidiary of CRDB Bank P lc that has been established specifically to serve micro-entrepreneurs through financial intermediaries. To develop the MFI the Company undertakes sensitization of the communities to establish microfinance institutions in areas with demand for financial services but without a financial institution. On the other hand, it takes onboard weak local microfinance institutions, building their capacities to offer tailor made products and services that really address the needs of their communities. The Microfinance Institutions, benefits by receiving free: 1. Technical assistance 2. Capacity building 3. Marketing as well as 4. Product design assistance. On the other, hand the Company initiate and manage microfinance loans on behalf of the Bank. These loans include agriculture loans (for farm inputs and cultivation), equipment loans for powertillers, tractors and irrigation systems, stock finance loans and office building loans. The Company has a team of dedicated staffs who are responsible for providing technical assistance to the affiliate intermediary institutions on regular basis, capacity building assistance and marketing assistance. They are also responsible for guiding the MFIs in accessing banks products and services. Farmer’s Groups, AMCOS, UNIONS, Company’s and Individuals engaged in agricultural activities are served by two departments of the Bank depending on their size  and credit requirement. Those departments are the Small and Medium Enterprises (SME) and Corporate Department. Customers served by SME are those with loan requirement of up to TZS 200 million. Customers with loan requirement above that amount are served through the Corporate Department of the bank. It has been realized through experience that capacity building before lending especially to those taking loans for the first time is vital for effective utilization and management of the loans. Therefore, training is conducted to the beneficiaries to improve their entrepreneurial skills but also in business management to ensure loan repayment. . CRDB FINANCING TO DIFFERENT ACTORS [pic] EXAMPLES OF PRODUCT AND SERVICES OFFERED BY CRDB BANK TO ACTORS IN DIFFERENT VALUE CHAINS Examples of products and services offered by CRDB Bank Plc to various agricultural value chains: A) PADDY VALUE CHAIN S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Farm development loans | | | |Farm maintenance loans | | | |Powertiller/tractor loans | |2 |Storage |Stock finance loans | |3 |Processing |Loans to millers | |4 |Distribution |Loans to cover transportation costs | | | |Crops purchase loans | | | |Loans to buy transportation vehicles | B) COFFEE VALUE CHAIN: S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Farm development loans | | | |Farm maintenance loans | |2 |Processing |Loans to curing companies | |3 |Distribution |Loans to cover transportation costs | | | |Crops purchase loans | | | |Loans to buy transportation vehicles | | | |Loans to cover export costs (CIF costs to the buying | | | |country) | | | |Crops purchase | C) SUGARCANES VALUE CHAIN: S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Farm development loans | | | |Farm maintenance loans | |2 |Harvesting |Loans to purchase harvesting equipments e. g cane loaders | | | |Loans to buy transportation vehicles to ship canes from | | | |farms to factories | |3 |Processing |Loans to sugar factories | |4 |Distribution |Loans under SME to distributors who sells sugar to retailers| D) TOBACCO VALUE CHAIN: S/N |VALUE CHAIN STAGE |PRODUCTS/ SERVICES OFFERED | |1 |Crop production |Inputs purchase loans | |2 |Harvesting |Burns constructions loans | |3 | Processing |Loans to tobacco factories | [pic] SOME NOTED CASES ON IMPACT OF FINANCING THE VALUE CHAINS Sugarcane Financing Bank has been financing sugarcane production in various stages of the value chain from production to delivery at factory. One example is that of financing farmers at Turiani ward in Morogoro region through their TUR SACCOS by providing them with loans for farm development, maintenance and transportation to factory. The result of financing in the past seven years has been remarkable as shown in the table below. It will be noted that between 2007 and 2008 there was a rapid increase in all aspects of production, this was contributed by the decision by the Company to finance farmers (through their group) to purchase grab loaders equipment to facilitate harvesting of sugarcane. As in the previous years, not all sugarcanes from outgrowers farmers were being harvested to due lack of equipment despite higher demand from factory. This was causing farmers to lose their crops and those who harvested late after start of the rain season obtained lower renderment and thus lower returns. |SUGARCANE PRODUCTION TREND AS A RESULT OF SACCOS FINANCING TO OUTGROWERS- TUR SACCOS | |   |   |2002 |2003 | |1 |Price during Harvest (100kgs) |35,000 |100 | |2 |Price at selling time after storage(100kgs) |70,000 | | |5 |Production per acre before WRS (tons) |1. 6 |100 | |6 |Production per acre after WRS (tons) |3 | | SECTOR WISE DISTRIBUTION OF CRDB BANK PLC LOAN PORTFOLIO Agriculture and Livestock constitute the largest portion of the CRDB Bank Loan portfolio with 21%, however by considering financing of the value chain then three sectors will be involved of microfinance, manufacturing/processing and agriculture with a percentage of about 34%. CONCLUSION Through financing the agriculture value chain by considering the different actors from small farmers to corporate agribusinesses it is possible to overcome the challenges o f agriculture in a country. This can only be possible through innovative approaches to serve the different segments by considering their differences in their activities, finance requirements, understanding of farming business and management of loans. It has also been proved beyond doubt that access to finance to the different actors has helped in reducing production unit cost, increase production volume while adding value in the chain. Corporate PHYSICAL FLOWS SME Corporate CRDB Microfinance Corporate CRDB BANK PLC STORAGE AMCOS. GINNERY COMPANIES AND CASHEWNUT PROCESSORS DISTRIBUTION TRANSPORTERS PROCESSING CURING COMPANIES GINNERY COMPANIES AND CASHEWNUT PROCESSORS INPUTS PRODUCTION AMCOS, FARMERS GROUPS, UNIONS, SACCOS, Agribusiness entities CRDB Microfinance SME