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Banks can lend on tribal land if there is will to do it

Author: Phakamisa Ndzamela

How are banks expected to fund farming activities on land that has no title deeds and is under traditional authority? 

Many of those who asked the question quickly said banks would stay away unless the masses of our people were given title deeds by the traditional authorities. I sympathise with this argument. But I think many banks and lenders have used this as an excuse not to extend affordable credit in rural areas. Financial institutions have hidden behind what I call the “Hernando de Soto argument” and have failed to be innovative when it comes to structuring lending that could help untitled rural land become more productive.

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