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.
We are looking for local partners
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
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.
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:
Active and passive risks
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.
