[{"bbox": [83, 120, 1146, 201], "category": "Text", "text": "Under the responsibility of the Commission's authorising officer responsible, the recourse to an award of a grant without a call for proposals is justified because the action has specific characteristics requiring a specific type of beneficiary for its technical competence and specialisation:"}, {"bbox": [121, 214, 1146, 348], "category": "List-item", "text": "* Providing micro credits in remote rural areas is risky. Absence of credit culture is mainly characterised by lack of a saving behaviour and lack of understanding of the value of lending institutions in terms of sustainability. Slow yielding results from micro credits investments is the main cause of borrowers to migrate, leaving behind their financial obligations (overdue payments). In this context, micro credit culture in such areas must first be developed in order to mitigate such risks."}, {"bbox": [121, 360, 1146, 492], "category": "List-item", "text": "* Financial credit education must therefore be provided in order to ensure that local rural saving banks generate their own savings and demonstrate that such savings have been lent out and paid back, before the Action steps in to provide additional financial credits from larger banks. The model builds up the basis by which credit culture is established for local saving banks and cooperatives to successfully carry out micro credits schemes."}, {"bbox": [121, 507, 1146, 615], "category": "List-item", "text": "* Large financial institutions such as Banco Hondureño para la Producción y la Vivienda (BANHPROVI), the Central American Bank for Economic Integration (CABEI), the Honduran Commercial Financial Bank (Banco FICHOSA) in order to avoid financial risk, would seek to collaborate with intermediaries capable of preparing, on their behalf, the ground before they can step in and directly lend to cooperatives in such areas."}, {"bbox": [72, 720, 313, 747], "category": "Section-header", "text": "### 4.3.1.2 Call for proposals"}, {"bbox": [83, 790, 1128, 818], "category": "List-item", "text": "a) **Purpose of the grant:** Envisaged to carry out the actions in relation to the adaptation of agricultural practices."}, {"bbox": [83, 848, 426, 876], "category": "List-item", "text": "b) **Type of applicant:** Civil Society"}, {"bbox": [110, 902, 1146, 982], "category": "List-item", "text": "* Know-how in climate-smart landscapes methodology that create a favourable environment for the adoption of climate-smart practices contributing to the process of green recovery of ecosystems and the improvement of the livelihoods of small producers;"}, {"bbox": [110, 995, 1127, 1023], "category": "List-item", "text": "* Experience in implementation of climate-smart landscapes and the application of agro-ecological principles;"}, {"bbox": [110, 1036, 1146, 1117], "category": "List-item", "text": "* Experience in the implementation of comprehensive projects in the coffee chain with a focus on inclusive models, market access, business management, technological innovation, processes of certification and facilitation of access to financing and bankability;"}, {"bbox": [110, 1130, 1146, 1184], "category": "List-item", "text": "* Know-how as regard to the development market-based services that increase productivity, link markets with farmers, and strengthen input supply services;"}, {"bbox": [110, 1197, 1146, 1278], "category": "List-item", "text": "* Must be able to strengthen the productive capacities of small and medium producers through the development of market systems for technologies and inputs combined with innovative methods in smart agriculture (agro-ecological principles);"}, {"bbox": [110, 1291, 1146, 1371], "category": "List-item", "text": "* Must be able to strengthen the dialogue between value chain actors: authorities, research partners and investors from the public and private sectors, in order to accelerate the adoption of climate-smart agricultural practices and commercial solutions that address adaptation and mitigation of value chains;"}, {"bbox": [110, 1384, 1146, 1465], "category": "List-item", "text": "* Experience on the development of climate-smart landscape solutions that promote, among others, the promotion of public-private partnerships, the financial inclusion mechanism and water governance models, including micro-watershed management, and community watershed management."}, {"bbox": [150, 1475, 1146, 1611], "category": "Text", "text": "The call for proposal will be launched during the last term of 2021 under a suspensive clause prior to the adoption of this Decision, if needed. This is justified because in November 2021, Honduras is expected to hold national elections, leaving most of the government authorities to function only administratively until the there is a transition to the next administration. This means that authorities will refrain from taking any decision, including those related to implementing cooperation initiatives until well into 2022. Part of the"}, {"bbox": [1043, 1661, 1158, 1685], "category": "Page-footer", "text": "Page 17 of 23"}]