... deteriorating infrastructure, high interest rates, corruption, inconsistent sectoral policies, increased international competition in some key cash crops, poor security in some areas and the ... the increasing demands for rural financial services in the country and today, as in the case of Zambia, practically all seasonal agricultural credit to smallholders is provided by marketing and ... producers, as well as from buying agents and farmers’ associations. While the operation is principally cash based, the company also has a credit window for its agents and associations. All purchase...