Арга барилууд

Agricultural credit and start-up funding for small-scale irrigation cooperatives [Мали ]

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Crédit agricole et fonds de démarrage pour les coopératives dans l’irrigation de proximité

approaches_2508 - Мали

Бүрэн гүйцэд байдал: 83%

1. Ерөнхий мэдээлэл

1.2 Арга барилыг баримтжуулах болон үнэлгээ хийхэд оролцсон хүн эсвэл байгууллагын холбоо барих хаяг

Мэдээлэл өгсөн хүн(с)

ГТМ мэргэжилтэн :
ГТМ мэргэжилтэн :

Dembele Célestin

celestin.dembele@helvetas.org

HELVETAS - Swiss Intercooperation

Мали

ГТМ мэргэжилтэн :

Doumbia Moussa

mtdoumbia@yahoo.fr

Association for the Development and Protection of the Environment (ADEPE Mali)

Мали

Tamini Jacques

jacques.tamini@helvetas.org

HELVETAS - Swiss Intercooperation

Мали

Арга барилыг баримтжуулах/үнэлэх ажилд дэмжлэг үзүүлсэн байгууллага(ууд)-ын нэр (шаардлагатай бол)
Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) - Герман
Арга барилыг баримтжуулах/үнэлэх ажилд дэмжлэг үзүүлсэн байгууллага(ууд)-ын нэр (шаардлагатай бол)
HELVETAS (Swiss Intercooperation)

1.3 WOCAT-аар баримтжуулсан өгөгдлийг ашиглахтай холбоотой нөхцөл

Мэдээллийг хэзээ (газар дээр нь) цуглуулсан бэ?

01/07/2012

Эмхэтгэгч болон гол мэдээлэгч хүн(хүмүүс) WOCAT аргачлалаар баримтжуулсан мэдээллийг ашиглахтай холбоотой нөхцлийг хүлээн зөвшөөрсөн.

Тийм

2. ГТМ Арга барилын тодорхойлолт

2.1 Арга барилын товч тодорхойлолт

Providing lowland farmer cooperatives with self-managed, self-renewing financial resources for the purpose of facilitating members’ access to farming inputs.

2.2 Арга барилын дэлгэрэнгүй тодорхойлолт

Арга барилын дэлгэрэнгүй тодорхойлолт :

Once the infrastructure has been put in place, cooperatives are supported in drawing up their cropping plans (rice and vegetable growing). This support is provided in the context of value enhancement. The cropping plans include forecasting in relation to sites and the input needs of member farmers. The funds provided by the project are targeted towards supporting the empowerment of cooperatives and constitute non-repayable grants. Cooperatives use these financial resources to provide their members with loans to grow crops. When these crops are sold, the loans are repaid to the cooperatives along with a small percentage of interest to renew the loan facility. The loan awarding system, interest rates and repayment deadline are clearly defined by the cooperative. Women have access to gender-specific mechanisms, such as a facility to access credit without providing any personal contribution. The grant is awarded following a capacity-building process focusing on the management and governance of the cooperative. Following negotiations, the programme funds the cooperative’s cropping plan on the basis of a collaboration agreement. Support with managing the funds is delivered by a consultant. The grant is paid into the cooperative’s bank account. The cooperative organises the procurement of inputs, in collaboration with the service provider. Loans are provided in kind (seed, fertilisers, pesticides, etc.) rather than as cash. Those tasked with managing the cooperative are given training in how to use a range of management tools (drawing up cropping plans; keeping stock inventory, loan and repayment records; managing removal and delivery receipts; etc.). At the end of the growing season, the loans are repaid in kind (seed) and in cash (fertilisers and fungicides) in accordance with a predetermined timetable, thus replenishing the fund.
The structuring, organisational strengthening and management capacity building activities are delivered by the consultant from the outset of the scheme’s implementation phase. Groups of actors are encouraged to organise themselves as cooperatives (women and men rice growers, vegetable and other kinds of growers, etc.). These cooperatives, with the support of the consultancies, act as the representative for managing funds. They draw up their cropping plans (list of member producers and their farmland, and evaluation of the input requirements requested by producers) and define the system for awarding loans (the access conditions, repayment methods, timetables and interest levels are set by the cooperatives). An agreement setting out the ways in which the programme will provide support through a contracted service provider is signed. Funds are paid into the relevant bank account and the cooperative then procures the inputs. The cooperative managers, using the management tools at their disposal, distribute the inputs to producers. A public audit is organised to inform members about the status of loans. The recovery of loans with interest makes it possible to replenish the fund (with payments paid into the cooperative’s bank account). The public audit into the loan repayment situation is a medium for deploying coercive measures to recover unpaid loans.
The cooperatives catalogue needs, coordinate the preparation of the cropping plan, set the access conditions for loans, undertake procurement and ensure the recovery of loans from members. The communes participate in debriefings, facilitate the settlement of misunderstandings between producers and cooperatives, and monitor technical support provision. The intermunicipal body facilitates communication and negotiation between communes and the programme. Consultancies deliver management training and advisory support on technical aspects of farming, and facilitate the procurement of inputs suited to the farming condition of each site. Technical services participate in evaluation meetings and act as advisors to the service providers and programme team.

2.3 Арга барилын зурагууд

2.5 Арга барил нэвтрүүлсэн улс орон / бүс нутаг / байршил

Улс :

Мали

Улс/аймаг/сум:

Mali

Байршлын дэлгэрэнгүй тодорхойлолт:

Bougouni, Kolondiéba, Yanfolila

2.6 Арга барилыг эхлэх, дуусах огноо

Эхлэх жилийг тэмдэглэ:

2008

2.7 Арга барилын төрөл

  • төсөл / хөтөлбөр дээр үндэслэсэн

2.8 Арга барилын үндсэн зорилго, зорилтууд

Providing lowland farmer cooperatives with self-managed, self-renewing financial resources for the purpose of facilitating members’ access to farming inputs.
The SLM Approach addressed the following problems: lack of cash to invest in SLM

2.9 Арга барилын хүрээнд хэрэгжсэн Технологи/Технологиудад дэмжсэн эсвэл саад учруулсан нөхцлүүд

санхүүгийн нөөц, үйлчилгээний хүртээмж / боломж
  • Хазаарлалт

lack of cash to invest in SLM
Treatment through the SLM Approach: Providing lowland farmer cooperatives with self-managed, self-renewing financial resources for the purpose of facilitating members’ access to farming inputs.

3. Оролцогч талуудын оролцоо ба үүргүүд

3.1 Арга барилд оролцогч талууд болон тэдгээрийн үүргүүд

  • Орон нутгийн газар ашиглагч / орон нутгийн иргэд
  • ГТМ-ийн мэргэжилтэн/ хөдөө аж ахуйн зөвлөх
  • ТББ
  • Орон нутгийн захиргаа
  • Засгийн газар (шийдвэр гаргагч, төлөвлөгч)
3.2 Арга барилын янз бүрийн үе шатанд орон нутгийн газар ашиглагчид / бүлэглэлүүдийг татан оролцуулах
Орон нутгийн газар ашиглагч / орон нутгийн иргэдийн оролцоо Хэн оролцсоныг тодорхойлж, үйл ажиллагааг тайлбарлана уу
санаачлага/идэвхжүүлэлт идэвхигүй
Төлөвлөгөө интерактив
Хэрэгжилт интерактив
Мониторинг/ үнэлгээ интерактив
Research идэвхигүй

3.4 ГТМ-ийн технологи/технологиуд сонгох шийдвэр

Хэрэгжүүлэх Технологи/Технологиудын сонголтыг хийж шийдвэр гаргасан хүнийг тодорхойлно уу:
  • ГТМ-ийн мэргэжилтнүүдийн дэмжлэгтэйгээр, голчлон газар ашиглагчид
Тайлбар :

Decisions on the method of implementing the SLM Technology were made by mainly by land users supported by SLM specialists

4. Техникийн дэмжлэг, чадавхи бүрдүүлэх, мэдлэгийн менежмент

4.1 Чадавхи бэхжүүлэх/сургалт

Газар эзэмшигчид / бусад оролцогч талуудад сургалт явуулсан уу?

Тийм

Хэн сургалтанд хамрагдсан бэ:
  • Газар ашиглагчид
  • хээрийн ажилтан / зөвлөх
Сургалтын хэлбэр :
  • Олон нийтийн уулзалт
  • курс дамжаа
Хамрагдсан сэвдүүд:

Consultancies deliver management training and advisory support on technical aspects of farming. Those tasked with managing the cooperative are given training in how to use a range of management tools (drawing up cropping plans; keeping stock inventory, loan and repayment records; managing removal and delivery receipts; etc.).

4.2 Зөвлөх үйлчилгээ

Газар ашиглагчдад зөвлөх үйлчилгээ авах боломжтой байдаг уу?

Тийм

Зөвлөх үйлчилгээ үзүүлсэн эсэхийг тогтоо:
  • Газар ашиглагчийн талбай дээр
Тодорхойлолт / тайлбар:

Name of method used for advisory service: Providing lowland farmer cooperatives with self-managed, self-renewing financial resources ; A local farming advisory mechanism active in the first few years of the scheme ensures high levels of productivity, which, in turn, facilitates the repayment of loans. Holding public audits to report on accounts ensures that the system is transparent.

Advisory service is quite adequate to ensure the continuation of land conservation activities

4.3 Институцийг бэхжүүлэх (байгууллагын хөгжил)

Арга барилаар дамжуулан институц байгуулагдаж эсвэл бэхжсэн үү?
  • Тийм, дунд зэрэг
Байгууллагууд бэхжиж, үүсэн бий болсон түвшин(үүд)-г тодорхойлно уу:
  • Орон нутгийн
Дэмжлэгийн төрлийг ялга:
  • Санхүүгийн
  • чадавхи бэхжүүлэх / сургалт

4.4 Мониторинг ба үнэлгээ

Мониторинг болон үнэлгээ нь арга барилын хэсэг үү?

Тийм

Тайлбар:

socio-cultural aspects were ad hoc monitored by project staff through observations
economic / production aspects were ad hoc monitored by project staff, land users through measurements
management of Approach aspects were ad hoc monitored by project staff, land users through observations
There were no changes in the Approach as a result of monitoring and evaluation: None
There were no changes in the Technology as a result of monitoring and evaluation: None

4.5 Судалгаа

Судалгаа арга барилын хэсэг нь байсан уу?

Тийм

Сэдвийг тодруулна уу:
  • Социологи
  • Эдийн засаг/ зах зээл
  • Экологи
  • Технологи

5. Санхүүгийн болон гадаад материаллаг дэмжлэг

5.1 ГТМ-ийн Арга барилын бүрэлдэхүүн хэсгийн жилийн төсөв

Тайлбар (жнь: санхүүжилтийн гол эх үүсвэр / гол хандивлагчид):

Approach costs were met by the following donors: international non-government: 100.0%

5.2 Газар ашиглагчдад санхүүгийн / материаллаг дэмжлэг үзүүлсэн

Технологи / технологийг хэрэгжүүлэхэд газар ашиглагчид санхүүгийн / материаллаг дэмжлэг авсан уу?

Тийм

Хэрэв тийм бол дэмжлэгийн төрөл(үүд), нөхцөл, болон нийлүүлэгч(чид) бичнэ үү:

The funds provided by the project are targeted towards supporting the empowerment of cooperatives and constitute non-repayable grants. Cooperatives use these financial resources to provide their members with loans to grow crops. When these crops are sold, the loans are repaid to the cooperatives along with a small percentage of interest to renew the loan facility. The loan awarding system, interest rates and repayment deadline are clearly defined by the cooperative. Women have access to gender-specific mechanisms, such as a facility to access credit without providing any personal contribution.

5.3 Тодорхой зардлыг даахад чиглэсэн дэмжлэгт (хөдөлмөрийн хүчийг оролцуулаад)

Хэрэв газар ашиглагчийн хөдөлмөрийн хүч чухал байсан бол энэ нь аль хэлбэр байсан:
  • бусад материаллаг дэмжлэгээр шагнагдсан
Тайлбар:

Loans are provided in kind (seed, fertilisers, pesticides, etc.) rather than as cash.

5.4 Кредит

Арга барилын хүрээнд ГТМ-ийн үйл ажиллагаанд зориулж зээлд хамрагдсан уу?

Тийм

Нөхцөл байдлын тодорхойлолт (хүүгийн хэмжээ, эргэн төлөлт гэх мэт):

repayment conditions: The funds provided by the project are used to buy inputs on the basis of the cropping plan. The start-up fund granted by the programme pays for the initial stock. Once this stock has been procured, the inputs are distributed to members according to their stated requirements. The repayment schedule and the amount of interest that must be paid are communicated. Growers’ production activities are supported and monitored by the consultant and the management committee. Following the harvesting and sale of crops, in accordance with the deadline set, the loans are recovered along with their interest payments and the fund is replenished for the following growing season. During the different implementation stages, the cooperative holds public audits in the presence of the commune authorities to report on how the cooperative is being managed; the aim being to build trust between the cooperative and its members.

6. Нөлөөллийн дүн шинжилгээ ба дүгнэлт

6.1 Арга барилын нөлөөллүүд

Арга барил нь ГТМ-ийн технологийг хэрэгжүүлж, хадгалахад газар ашиглагчдад тусласан уу?
  • Үгүй
  • Тийм, бага зэрэг
  • Тийм, зарим
  • Тийм, их

A local farming advisory mechanism active in the first few years of the scheme ensures high levels of productivity

Арга барил нь эмзэг бүлгийнхнийг нийгэм, эдийн засгийн хувьд чадавхижуулсан уу?
  • Үгүй
  • Тийм, бага зэрэг
  • Тийм, зарим
  • Тийм, их
Did other land users / projects adopt the Approach?
  • Үгүй
  • Тийм, бага зэрэг
  • Тийм, зарим
  • Тийм, их

The system has been applied in 19 sites across 15 communes in the circles of Bougouni, Kolondiéba and Yanfolila. In total, 2,150 producers – 81% of the farmers identified in the production areas – have benefited from the loan scheme. The approach has been in use since 2008.

Did the Approach lead to improved livelihoods / human well-being?
  • Үгүй
  • Тийм, бага зэрэг
  • Тийм, зарим
  • Тийм, их

Groups of actors are encouraged to organise themselves as cooperatives (women and men rice growers, vegetable and other kinds of growers, etc.). In total, 2,150 producers – 81% of the farmers identified in the production areas – have benefited from the loan scheme.

Did the Approach help to alleviate poverty?
  • Үгүй
  • Тийм, бага зэрэг
  • Тийм, зарим
  • Тийм, их

70% of the beneficiaries have improved their production levels. This management experience enables farmers to operate as entrepreneurs and to accurately assess their profitability

6.2 ГТМ-ийг хэрэгжүүлэх газар ашиглагчидын гол санаачилга

  • үйлдвэрлэл нэмэгдсэн
  • төлбөр / татаас

6.3 Арга барилын үйл ажиллагааны тогтвортой байдал

Газар ашиглагчид арга барилаар дамжуулан хэрэгжүүлсэн арга хэмжээг тогтвортой хадгалж чадах уу (гадны дэмжлэггүйгээр)?
  • Тийм

6.4 Арга барилын тогтвортой/давуу тал/боломжууд

Эмхэтгэгч, бусад мэдээлэл өгсөн хүмүүсийн өнцгөөс тодорхойлсон давуу тал/боломжууд
Cooperatives are empowered to manage the funds. (How to sustain/ enhance this strength: It must be clearly communicated that the funds belong to the cooperative and are only granted once. The granting of in-kind (inputs) rather than cash loans curbs any attempts to stray from the objectives. )
Since the programme began in 2008, the cooperatives have managed to achieve recovery rates of between 80% and 100%, and, with the system in place, 70% of the beneficiaries have improved their production levels. This management experience enables farmers to operate as entrepreneurs and to accurately assess their profitability. (How to sustain/ enhance this strength: Institutional and organisational strengthening plays a key role in achieving a successful outcome. )
Following the granting of an initial ‘seed fund’, the financing mechanism grows and becomes sustainable on its own.
Evaluation meetings bring together actors from all the sites (commune authorities, cooperatives), consultancies and the programme team, serving to motivate actors and offering the opportunity to share experiences.
A local farming advisory mechanism active in the first few years of the scheme ensures high levels of productivity, which, in turn, facilitates the repayment of loans. Holding public audits to report on accounts ensures that the system is transparent.

7. Суурь мэдээлэл болон холбоосууд

7.1 Мэдээллийн эх үүсвэр/аргууд

  • Хээрийн уулзалт, судалгаа
  • Газар ашиглагчтай хийсэн ярилцлага

7.2 Холбогдох бүтээлийн ишлэл

Гарчиг, зохиогч, он, ISBN:

Manual of Good Practices in Small Scale Irrigation in the Sahel. Experiences from Mali. Published by GIZ in 2014.

Хаанаас авч болох вэ? Зардал?

http://star-www.giz.de/starweb/giz/pub/servlet.starweb

Гарчиг, зохиогч, он, ISBN:

2011 report: Accompagnement à la valorisation des ouvrages hydro-agricoles sur les sites de Blakala, Ména, Bafaga, Mamissa, Bogodougou, Nèrèkoro, Koloni et Mogoyafara [Support to enhance the value of hydro-agricultural schemes in Blakala, Ména, Bafaga, Mamissa, Bogodougou, Nèrèkoro, Koloni and Mogoyafara] (GSAD – Sahelian Development Support Group)

Гарчиг, зохиогч, он, ISBN:

2011 report: Accompagnement à la valorisation des ouvrages hydro-agricoles sur les sites de Niakobougou, Blendougou, N’Gala, Banko, Faradiélé, Sibirila, Solona, Farababougou [Support to enhance the value of hydro-agricultural schemes in Niakobougou, Blendougou, N’Gala, Banko, Faradiélé, Sibirila, Solona and Farababougou] (BEACIL – Consultancy and Advisory Support for Local Initiatives)

Гарчиг, зохиогч, он, ISBN:

2013 report: Collecte de données sur la valorisation des ouvrages hydro-agricoles réalisés dans le Pôle de Bougouni sur le financement

Модулууд