Yapu consulting

Areas of expertise

Climate finance

Agri­cultural finance

Micro­finance

Green inclusive finance

Our Consulting focuses usually on enabling Financial institutions to effectively introduce or extend their knowledge on green inclusive and climate finance. From tracking the impact of lending decisions to developing a more resilient portfolio. But our expertise goes beyond that.

Consulting modules

In the course of the last years we have developed standardized methodologies, especially in the context of our flagship projects. These modules help any institution applied individually or in combination.

Institutional evaluation
(for green finance)

Green inclusive finance strategy

Data smart credit management

Risk management strategy

Scoring development

Selection of Nature-based Solutions

Green products and services

Referential Data systems

Key concepts

How Yapu works

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Risks and interrelations


Agricultural production is not an isolated activity, but highly integrated in its environment.
The underlying risks can be defined, categorized and measured. This measurement process provides the basis for the definition of relevant climate solutions:

Agricultural production, such as the commercialization of its products and its financing, is part of a broader and highly interconnected system.


Climate Change Ecosystems Contribution to climate change - Value chain Financial institutions Clients Affects Regulates Production risk - „Passive” „Active” Environmental risk - „Active”
Value chain Financial institutions Clients Production risk - „Passive” Ecosystems Climate Change Contribution to climate change - Affects Regulates „Active” Environmental risk - „Active”

Productive system

The production system includes all activities related to agricultural production, planting and management of a crop or animal ("customers"), on the processing of products until they are sold ("Value chain"). It also includes the financing of value chains.

Climate change

Climate change refers to a lasting variation (10+ years) in the state of the climate system. Although there were always climatic variations, currently an anthropogenic climate change is perceived, that is, caused by humans. Not only does it have consequences such as global warming, but weather patterns generally change (periods and amount of precipitation, extremes of temperatures, among others). These changes affect ecosystem health.

Ecosystem health

Natural ecosystems provide crucial services for the human being (drinking water, soil nutrients, pest control, among others), its global annual value is estimated at USD 125 billion per year, surpassing the international gross product by more than 50%. Ecosystem health regulates the climate, for example through the capture of CO2 from the atmosphere.

Climate vulnerability


The threats of climate change have impacts on the livelihoods of small farmers, which have economic consequences for their business and family. The impacts and consequences of climate change depend on the Vulnerability of small farmers. This is the result of the composition of the following factors:

Exposure Exposure Capacity Sensibility Realitiy depends on the location and cannot be changed there. Reality depends in the activity and can be changed there by adjusting the activity. Reality depends on the farming practices and can be improved with the use of climate solutions. Capacity Sensibility
Exposure Exposure Capacity Sensibility Realitiy depends on the location and cannot be changed there. Reality depends in the activity and can be changed there by adjusting the activity. Reality depends on the farming practices and can be improved with the use of climate solutions. Capacity Sensibility

Active and passive risks

Loss of biodiversity Transversal consequences Family accidents Reduced payment capacity Late payments Rescheduling and restructuring of loans Losses and provisions for loans Higher costs Lower income Diseases Reduction of subsistence resources Emergency assistance needs How agricultural activities have a negative impact on the environment and climate. How agricultural activities are affected by degradation biodiversity of climate and environment. Emission of green house gases Polution of Active risk Passive risk water and soil Deforestation Drought Erosion Landslides Floods ... ...
Loss of biodiversity Transversal consequences Family accidents Late payments Rescheduling and restructuring of loans Reduced payment capacity Losses and provisions for loans Higher costs Lower income Diseases Reduction of subsistence resources Emergency assistance needs How agricultural activities have a negative impact on the environment and climate. How agricultural activities are affected by degradation biodiversity of climate and environment. Emission of green house gases Polution of Active risk Passive risk water and soil Deforestation Drought Erosion Landslides Floods ... ...

Active risks

Agricultural production (among other sectors) directly impacts the climate, such as ecosystems ("carbon footprint" and "environmental footprint"). Good practices mitigate climate change and strengthen ecosystems, bad practices deteriorate them.

Passive risks

But agricultural production at the same time is subject to adverse impacts of climate and ecosystem systems. Consequences are lost productivity or production, among others, thus directly impacting the economy of the producers.

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