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The fact that college students today don’t have the competency to engage in verbal communication preferring text to talking even with the convenience of cell phones now. Let alone they’re growing up in a society that leads them to believe they’re entitled before ever accomplishing anything. I think it’s safe to say it will be hard for the human race to save itself from this problem. I’m glad I still write letters, read actual books on paper, draw with pencil rather than with a mouse…it’s OK to embrace technology but people today are so caught up in useless garbage.

The challenge lies in the fact that agriculture must produce more food with less resources in a way that is environmentally sustainable, economically viable and socially responsible. The aspiration of the private sector in general and the MNEs of the F&A sector in particular is to achieve a 20% improvement each decade in terms of economic growth and opportunity, agricultural productivity and nutrition, while simultaneously reducing the environmental footprint by 20% (WEF, 2011, 2012). This gives rise to the question: Do large F&A companies (MNEs) have the ability to achieve this goal and, if so, how? With a view to unlocking the full potential of smallholder agriculture, access to affordable financial services is moreover essential in order to meet smallholders’ investment and working capital requirements. Rural financial markets and outreach are, however, very poor in many developing countries. So how can access to financial services be provided to smallholders?

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