While these schedules take the crop cycle and produce sales into consideration, they still emphasize that repayment is expected regardless of the results at the end of the crop cycle. Flexibility in delivery channels can also be very beneficial for agriculture finance. Microfinance institutions, both in the bank and non-bank sector, continue to expand their branching networks, thereby enhancing access to finance.
Innovations in technology are also increasing delivery channels for microfinance. In the Philippines, for instance, the development of mobile phone banking and electronic cash platforms have provided the opportunity for both enhanced access and lower costs. Finally, flexibility insofar as collateral requirements is also an option for agriculture finance.