Financing Product for Rice Transplanter

Rice is one of the five major crops of the Country and considered as s staple food. Rice cultivation is a tedious, laborious and time taking process. Mechanization practices in Rice cultivation can save the time and farmer’s operation will become simple & easy and will enhance productivity with speed.

For this purpose, Rice Transplanter is simple, easy and opening the door to a new dimension of rice transplanting & professional agricultural excellence. Rice Transplanter is 20 times more efficient than manual transplanting. ZTBL may arrange financing options for their potential customers as per their farming requirements. Through approved and registered dealers ZTBL can extend finance/insurance schemes based on the farmer’s eligibility.

Financing Product for Agri. Machinery

Rice Wheat/Straw Baling Machine & Mini Rotavator (Walking Tractor)

Changing farming practices and trend in the world warrant introduction and adoption of farming practices in the country to bring about agricultural revolution. In order to help the farmers of the country in adoption and utilization of mechanized farming, ZTBL provide financing facility for following agri. machinery items to enhance productivity and adoption of best agricultural practices. 

Rice/Wheat Straw Baling Machine:

Straw baling machine compresses straw into bales for transportation. To bring about mechanization in post-harvest farming practices Wheat/Rice straw baler is proven best in straw collection and recycling. Paddy straw baler is connected to the tractor, it gathers the straw and by means of hydraulic mechanism ejects the completed bales through a tailgate.  The machine clears the soil for next crop, preserves the nutrients of the soil and provides income to the farmer.

Mini Rotavator (Walking Tractor):

Mini-Rotavator is a light-weight and compact machinery suitable to maintain and prepare small gardens. It can loosen and aerate the soil, 4 to 7 inches deep. It is best machinery for weed control and soil pulverization which can be used for small farms, fruit and vegetables, orchards, gardening and nurseries. Mini-Rotavator or Walking Tractor is very suitable for soil conditioning, weed control, seedbed preparation and puddling in small fields.

Financing for apiculture (Bee Keeping) as Green Banking Product

Apiculture/Beekeeping is a green banking product as Bees play a very important role in maintaining biodiversity, ecosystem and the natural networking balance for the survival of life. Bees play a vital role as pollinators and help in maintaining current agricultural production levels. The decrease in quantity of honeybees results in food insecurity “No Honey Bees, No Food, No Future”. So there is dire need for financing and promoting Apiculture/bee keeping activities to maintain the ecological balance of the planet as well as in order to protect food security. 

 Benefits of Apiculture/Beekeeping:

  1. Beekeeping promotes pollination.
  2. Beekeeping provides food for predators.
  3. Provides bee wax which is used in many industries, including cosmetics industry, polishing industry and pharmaceutical industry etc.
  4. Bee keeping helps to maintain nature.
  5. Bees are responsible for the production of many seed, nuts, berries and fruits which serve as a vital food source for wild animals.

Keeping in view the above, the Bank has introduced the subject titled scheme as Green Banking Product.

Financing scheme for “Agri. Land Development through Alternate/ Renewable Energy”

Country is facing the energy crisis. Agriculture sector has received a setback due to energy crisis resulting into low crop productivity. In order to help the farmers to overcome the energy crisis, the Bank has introduced following two products as an alternate/renewable energy resource which will help not only to get energy at low cost but also be useful in boosting agri. Production. This would provide credit for relatively cheaper energy resources to farmers to shift from existing expensive energy options.

  • Solar Energy System
  • Bio Gas Unit/Plant

Financing product on golden/misri chicken poultry farming (egg & meat production)

In livestock sector, poultry production has its own impact and value on the overall livestock market and in the GDP contribution. It is considered to be one of the most efficient and economical system of production of animal protein. In Pakistan, Poultry has been playing a vital role in bridging the gap between supply and demand of animal protein food of high biological value. 

Golden/Misri Chicken poultry farming possesses bright prospects for future development in view of easy and abundant availability of all the requisite inputs such as land, labor and feed resources in rural areas and lower cost of production as compared to commercial poultry. Organic breeds widely available in Pakistan is Golden/Misri, for having their advantage of being well adapted to the local environmental conditions (hot, cold, humid, dry and rainy weathers) and can live as scavenger birds and can be reared at a low cost.

Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.

Financing Scheme for “Women Empowerment In Garment’s Sector”

In order to empower women of the underdeveloped areas in the country by providing employment opportunities, ZTBL will extend its loaning facilities to such areas of the country where women are already working in the progression of garment’s sector e.g., Hand embroidered Phulkari Chadars in Multan & Bahawalpur and embroidered ladies suits in Hyderabad. Bank will try to provide linkages for marketing through some NGO etc. or by providing some outlet for their produce.

Hence, to start support services in this sector, raw material such as fabric, thread and other materials could be provided to the specific community by making small groups of women in that area or alternatively they may be provided a proper working place to make products in a uniform manner.

Financing product for Biofloc fish farming

Biofloc fish farming is one of the successful and most profitable businesses in Pakistan. Pakistan not only fulfils its personal requirements of the

Biofloc fish farming is one of the successful and most profitable businesses in Pakistan. Pakistan not only fulfils its domestic requirements of consumption of different fish species but also able to fulfill the orders from abroad. The conventional fish farming is quite expensive and less productive in contrast to the Biofloc fish farming.

 

Biofloc Technology (BFT) is an environment-friendly technique used for the production of situ microorganisms. These microorganisms are produced as a hygienic food for the fish species. Because of this technique, fish farming requires zero or minimum exchange of water. This technique helps in balancing the level of Nitrogen and Carbon in the water which are really essential for the production of microorganisms and bacterias so that the fish species could be developed on natural feed and cost be saved on artificially produced. Introduction of this new idea can change the farming trends and bring about farming revolution in the country.

Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.

consumption of fish species but also able to fulfill the orders from beyond the borders. The conventional fish farming is quite expensive and unproductive in contrast to the Biofloc fish farming. Biofloc Technology (BFT) is an environment-friendly technique used for the production of fish. Introduction of this new idea can change the farming trends and bring about farming revolution in the country.

Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.

Tea Plantation, Processing, Packaging & Marketing

Tea is one of the three major non-alcoholic beverages used in the world, which was originally discovered in China. Currently tea industry has spread from China to the far corners of the world encompassing countries ranging from 30° latitude in the Southern Hemisphere (Kenya) to 45° latitude in the Northern Hemisphere (Georgia). The per capita consumption is more than 1.0 kg. Unfortunately, all tea consumed in Pakistan is imported from abroad. Tea is the third commodity after petroleum and edible oil on which our billions of expenditure has been spent annually. Moreover, in 2020, Pakistan was the leading tea importing country in the world, with imports valued at approximately 590 million U.S. dollars.

Keeping in view all of the above facts, Bank is already providing loans to farmers to enhance the tea production of country. Now, in order to make this initiative more fruitful, loaning facilities can also be provided on similar grounds for tea plantation, processing, packaging and marketing. ZTBL will try to provide linkages to farmers for marketing of their produce either by contact with utility stores or super markets etc or by exploring suitable parties for buying of packaged tea for further marketing.