Agricultural credit and start-up funding for small-scale irrigation cooperatives [Мали]
- Создание:
- Обновить:
- Составитель: Dieter Nill
- Редактор: –
- Рецензент: Laura Ebneter
Crédit agricole et fonds de démarrage pour les coopératives dans l’irrigation de proximité
approaches_2508 - Мали
Просмотреть разделы
Развернуть все Свернуть все1. Общая информация
1.2 Контактные данные специалистов и организаций, участвующих в описании и оценке Подхода
Специалист по УЗП:
Dembele Célestin
celestin.dembele@helvetas.org
HELVETAS - Swiss Intercooperation
Мали
Специалист по УЗП:
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
Название организации (-ий), содействовавших документированию/оценке Подхода (если применимо)
Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH (GIZ) - ГерманияНазвание организации (-ий), содействовавших документированию/оценке Подхода (если применимо)
HELVETAS (Swiss Intercooperation)1.3 Условия, регламентирующие использование собранных ВОКАТ данных
Когда были собраны данные (на местах)?
01/07/2012
Составитель и ответственный/-ые специалист(-ы) согласны с условиями, регламентирующими использование собранных ВОКАТ данных:
Да
2. Описание Подхода УЗП
2.1 Краткое описание Подхода
Providing lowland farmer cooperatives with self-managed, self-renewing financial resources for the purpose of facilitating members’ access to farming inputs.
2.2 Подробное описание Подхода
Подробное описание Подхода:
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 Фотографии, иллюстрирующие Подход
2.5 Страна/ регион/ место, где применялся Подход
Страна:
Мали
Административная единица (Район/Область):
Mali
Более точная привязка места:
Bougouni, Kolondiéba, Yanfolila
2.6 Даты начала и окончания реализации Подхода
Год начала реализации:
2008
2.7 Тип Подхода
- в рамках проекта/ программы
2.8 Каковы цели/ задачи Подхода
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 Условия содействующие применению Технологии/ Технологий в рамках Подхода или затрудняющие его
Наличие/ доступность финансовых ресурсов и услуг
- затрудняют
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. Участие и распределение ролей заинтересованных сторон
3.1 Заинтересованные стороны, участвующие в реализации Подхода и их роли
- местные землепользователи/ местные сообщества
- эксперты по УЗП/ сельскому хозяйству
- общественные организации
- местные власти
- государственные власти (отвечающие за планирование или принятие решений)
3.2 Участие местных землепользователей/ местных сообществ на разных стадиях реализации Подхода
Участие местных землепользователей/ местных сообществ | Перечислите участников и опишите их вовлеченность | |
---|---|---|
инициирование/ мотивация | пассивное | |
планирование | интерактивное | |
выполнение | интерактивное | |
мониторинг/ оценка | интерактивное | |
Research | пассивное |
3.4 Принятие решений по выбору Технологии/ Технологий УЗП
Укажите, кто принимал решение по выбору применяемой Технологии/ Технологий:
- в основном землепользователи при поддержке специалистов по УЗП
Поясните:
Decisions on the method of implementing the SLM Technology were made by mainly by land users supported by SLM specialists
4. Техническая поддержка, повышение компетенций и управление знаниями
4.1 Повышение компетенций/ обучение
Проводилось ли обучение землепользователей/ других заинтересованных лиц?
Да
Укажите, кто проходил обучение:
- землепользователи
- местный персонал/консультанты
Тип обучения:
- общие собрания
- курсы
Рассматриваемые темы:
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 Консультационные услуги
Есть ли у землепользователей возможность получать консультации?
Да
Укажите, где именно оказываются консультационные услуги:
- на полях землепользователей
Описание/ комментарий:
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 Институциональная (организационная) поддержка
В ходе реализации Подхода были ли организованы новые институциональные структуры или поддержаны уже существующие?
- да, умеренно
Укажите уровень, на котором структуры были укреплены или вновь созданы:
- местные
Укажите тип поддержки:
- финансовая
- повышение компетенций/ обучение
4.4 Мониторинг и оценка
Являются ли мониторинг и оценка частью Подхода?
Да
Комментарии:
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 Научные исследования
Были ли научные исследования частью Подхода?
Да
Укажите темы исследований:
- социология
- экономика / маркетинг
- экология
- технология
5. Финансирование и внешняя материальная поддержка
5.1 Годовой бюджет мероприятий по УЗП в рамках Подхода
Комментарий (например, основные источники финансирования/ ключевые доноры):
Approach costs were met by the following donors: international non-government: 100.0%
5.2 Финансирование и внешняя материальная поддержка, предоставляемая землепользователям
Предоставлялась ли землепользователям финансовая/ материальная поддержка для применения Технологии /Технологий?
Да
Если да, укажите тип(-ы) поддержки, кто ее предоставил и условия предоставления:
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 Субсидии на отдельные затраты (включая оплату труда)
Если труд землепользователя был существенным вкладом, укажите, был ли этот вклад:
- в обмен на другие материальные ресурсы
Комментарии:
Loans are provided in kind (seed, fertilisers, pesticides, etc.) rather than as cash.
5.4 Кредитование
Предоставлялись ли в рамках Подхода кредиты на мероприятия УЗП?
Да
Укажите условия предоставления (процент, окупаемость и т.д.):
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. Анализ влияния и заключительные положения
6.1 Влияние Подхода
Сумел ли Подход помочь землепользователям внедрить и поддерживать технологии УЗП?
- Нет
- Да, немного
- Да, умеренно
- Да, существенно
A local farming advisory mechanism active in the first few years of the scheme ensures high levels of productivity
Сумел ли Подход расширить возможности социально и экономически уязвимых групп?
- Нет
- Да, немного
- Да, умеренно
- Да, существенно
Did other land users / projects adopt the Approach?
- Нет
- Да, немного
- Да, умеренно
- Да, существенно
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?
- Нет
- Да, немного
- Да, умеренно
- Да, существенно
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?
- Нет
- Да, немного
- Да, умеренно
- Да, существенно
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 Основные причины, побуждающие землепользователей внедрять УЗП
- рост продуктивности
- материальное стимулирование/ субсидии
6.3 Долгосрочная устойчивость мероприятий в рамках Подхода
Могут ли землепользователи самостоятельно (без внешней поддержки) продолжать применение того, что было реализовано в рамках Подхода?
- да
6.4 Сильные стороны/ преимущества Подхода
Сильные стороны/ преимущества/ возможности по мнению составителя или других ключевых специалистов |
---|
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. Справочные материалы и ссылки
7.1 Методы сбора/источники информации
- выезды на места, полевые обследования
- опросы землепользователей
7.2 Ссылки на опубликованные материалы
Название, автор, год публикации, ISBN:
Manual of Good Practices in Small Scale Irrigation in the Sahel. Experiences from Mali. Published by GIZ in 2014.
Где опубликовано? Стоимость?
http://star-www.giz.de/starweb/giz/pub/servlet.starweb
Название, автор, год публикации, 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)
Название, автор, год публикации, 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)
Название, автор, год публикации, ISBN:
2013 report: Collecte de données sur la valorisation des ouvrages hydro-agricoles réalisés dans le Pôle de Bougouni sur le financement
Ссылки и модули
Развернуть все Свернуть всеСсылки
Нет ссылок
Модули
Нет модулей