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14. The investment portfolio

The Portfolio tab records investments in agricultural enterprises. This is record-keeping only. Portfolio entries do not post anything to the ledger. Fund income is not posted from the scheme screens either.

14.1 Tiers​

All tiers use revenue share over 12 months.

TierMaximum investment
MICRO (micro enterprises)Up to ₦50 million
SMALLUp to ₦70 million
MEDIUMUp to ₦100 million

14.2 Appraise an investment​

Who can do this: CSA, PA or MA (Portfolio roles).

  1. Open Investment schemes, then the Portfolio tab.
  2. Select Appraise an investment.
  3. Fill in:
    • Scheme.
    • Enterprise tier.
    • Enterprise.
    • Eligible project.
    • Value chain, Cluster and State.
    • Investment (₦). Up to the tier capacity.
    • Tenor. Up to the tier's tenor (12 months).
    • Revenue share (%).
    • Risk class: Low, Medium or High.
    • Partial credit guarantee cover (%). Up to 75%.
    • Insurance.
    • Beneficiaries and Of whom women or youth.
    • Baseline annual income, Baseline production and Production unit. These are the starting figures, so that improvement can be measured later.
  4. Select Save.

Worked example​

  • Tier: MEDIUM.
  • Investment: ₦35,000,000 (within the ₦100 million cap).
  • Revenue share: 18%.
  • Risk class: Medium.
  • Partial credit guarantee: 50% (within the 75% cap).
  • Beneficiaries: 240, of whom 168 are women or young people.

The investment is now APPRAISED.

14.3 Approve or decline​

  • The approver must be a different person from the appraiser.
  • The approver chooses Approve or Decline.

14.4 Record disbursement and update​

Select Update on the row (the dialog is titled "Update {reference}"). You can change:

  • Status.
  • Total disbursed. This cannot be more than the investment amount.
  • Disbursed on and Matures on.
  • Capital repaid.
  • Revenue share received.
  • Recovered.
  • Current income and Current production.
  • Notes.

Status flow:

APPRAISED → APPROVED or DECLINED. APPROVED → DISBURSED or DECLINED. DISBURSED → REPAID or DEFAULTED. DEFAULTED → REPAID.

Portfolio columns​

Reference, Enterprise, Tier, Cluster / value chain, Amount, Disbursed, Capital + revenue share, Risk / PCG, Women/youth, Status.

Common problems​

ProblemWhat to do
"Approve" is not shownYou appraised this investment. Ask a different person.
Disbursed is rejectedIt is more than the investment amount.
The tier cap is exceededLower the investment, or choose a higher tier.