A3. Small-scale businesses in rural Togo

Summary 2020-2023

This project supports 200 women in rural Togo to establish sustainable businesses. These are ladies that have come forward and requested support from HR&S. The support is in the form of loans, training, coaching weekly interactions on accounting and programme management and local support with sorting out challenges. The women group themselves into an assembly per village with a leader and an accountant as well as cooperatives of 3-6 persons, and the cooperatives are responsible for the paying back of the funds. The cooperatives thus constitute the guarantee. The loan is paid back with 10 % interest, and the interest pays for the local training and coaching by the local programme management team. The local programme management team of three persons is composed of villagers from the same region as the programme is implemented, and they have also come forward and offered to manage the programme on-site.

The programme on the field comprises of peoples with small business such as; sales of maize, beans, cakes, rice, yams and fruits, bags, clothes, shoes, drugs, goats, local drinks, local food and hairdressers.

When all 200 businesses have proven sustainable, the loan is paid back to an HR&S account in Togo and can then be used to support another 200 women, and again and again. The programme started in 2020 and is expected to become sustainable in 2023. HR&S and Action10 fundraises to be able to invest a total of EUR 15000. The funds are provided as smaller instalments with parallel programme management coaching and auditing, over a period of two years. during a period of two years to start the programme and make it sustainable.

Seeking support

Background. Together we can empower individuals in Africa who are interested in creating small businesses. We will provide small loans for business investments as well as training and coaching to entrepreneurs in the rural areas of the Maritime Region in Togo. In February 2021, we reached our initial funding goal of USD 10,000 for the 2020-2021 phase of the programme, and we have now increased the target to support more villagers to become self-sustaining.

Project update. During 2020, 117 women and 2 men were enrolled in our programme supporting business owners. They are today operating their own business in a more sustainable way and are better equipped to support their families with school and health-care fees.  Our local support team is in weekly contact with the loan-takers to help them address challenges, understand their needs and ambitions and empower their businesses.  During 2021 will we scale up the loan to those who will benefit as well as support new business managers. 38 women have applied to become part of the programme and now the next step for Action10 is to raise funds and support the growing and new entrepreneurs.

Strategy for Change

Background

Women from villages in Togo struggle with not having enough financial resources to manage their farming. Even though they have strong and detailed projects, loan-giving institutions have given up on them. Isolated in the countryside and with no real guarantee to offer a loan giver; villagers desperately need money to invest and be able to develop their activities. Yet, the Banks and the Microfinance institutions do not intervene in the remote areas of Togo. In 2012 S.E.VIE and Action10 decided to implement a programme in rural Togo.  The scope of the programme is to support women, who want to run sustainable businesses. The support is in the form of loans, training, coaching, weekly interactions, and sorting out challenges together. 

Context

Women from villages in Togo struggle every day to run their businesses.

Ambition

  • Give a startup or scale-up loans to women in villages.
  • To get many families involved in order to benefit from the programme.

Outcome challenges

  1. The businesses are at a too small scale.
  2. The profit is used directly to feed the family.
  3. Farming is not profitable. It does not generate income.
  4. Lack of business management & accounting.
  5. Lack of long-term planning.
  6. Lack of transparency & accountability.
  7. Covid19 decreases the opportunity for contact and sale.

Activities

  1. The Target Partners come together in a village group called an assembly, for which a president, a secretary, and a counsellor is elected.
  2. Inside this assembly, cooperatives of 4 to 6 women are created.
  3. Each woman receives a loan and the size is according to her project. The loans are to be paid back with 10 % annual interest.
  4. The payback is collective by the cooperative.
  5. The programme management partner visits each village once a week to i) collect re-payment in order to support the Target Partners with keeping the funds safe, ii) provide coaching, iii) provide training, and iv) address challenges.
  6. Workshops with the women in order to help them to know how to manage their businesses. SEVIE visits regularly during 2012-2018. M DZAGLI visits them and teaches them regularly during 2020 and ongoing.

Output

  • Each of the business managers has received different sizes of loans of between FCFA 30,000 and 60,000 ( EUR 50 – 100) depending on the activity carried out.
  • The number of potential HR&S business managers is in balance with, or larger than, the capital made available for the loans.
  • The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hairdressers, etc.
  • The reporting from S.E.VIE to HR&S – Action10 was good at the beginning of the collaboration (2012) but the quality reduced with time (2018).
  • M. Milohoum DZAGLI, HR&S coach,  worked with M. Yawo AHIAKPONOU to re-establish TRUST and RESPONSIBILITY. This was done through many phone calls and meetings in early 2020.
  • Thirty (30) people (29 women and 1 man) were involved for the first six (6) months in 2020 in the programme at Agbelouv, Togo. Agbelouve is a small town about 50 km from Lomé and it is associated to three small villages Kpotsokope, Agbodzekpo and Foulani Kondji.

2012-2018: Each woman received a certain amount of money by S.E.VIE and  S.E.VIE visited each village once a week to i) collect re-payment, ii) provide coaching, iii) provide training and iv) address challenges.
2019: A year of reflections by HR&S over lessons learned.
2020 and ongoing: A new phase of the village programme was initiated in 2020 and targeted four villages, Agbelouve, Foulany Kondji, Agbodjokpo and Kotso Kope, and 200 new business owners.

 Progress markers

  1. 30 persons in Jan, 30 in September 2020 and 30 in November 2020. Mostly women.
  2. 100 % of the women pay back with interest during 2020.
  3. Whether the January businesses are sustainable in 31 Dec 2020, then after two years, three years.

Baseline

  1. Women had limited access of loan from bank office.
  2. Women had some activity under her hands.

Sources of evidence

  1. Duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKPONOU Yawo.
  2. General excel sheet for all the loan takers that contains all transactions.
  3. A contract of six months was signed in double by every loan taker.

Required input

  1. ActionInvest loan, that is paid back with 10 % annual interest. The situation will be discussed quarterly or bi-annually. Before the programme is concluded the full loan is paid back.

Business model

  1. Customer segments: Village women with small business
  2. Value propositions: F CFA 40000 – 60000 (60-90 euros)
  3. Distribution channels: Multi
  4. Customer relationships: 
  5. Revenue model: Bye & sell
  6. Key Activities: Sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hair dressers, etc.
  7. Key Resources:
  8. Key Partnerships:
  9. Cost Structure:

Outcome

2012-2018 (SEVIE):

  •  The first step was a pilot in Foulany Kondji in 2012. It gathered 30 women. The business managers (Target Partners) came together in a village group called an assembly, for which a president, a secretary and a counselor was elected. Inside this assembly, cooperatives of 4 to 6 women were created.
  • The activity in Foulany Kondji grew successfully every year and eventually gave rise to an assembly with 200 women and a few men. 
  • During a period of six years, the programme grew and was adopted by eight villages. The approach is embracing all aspects of community services.
  • During the first years of the programme the business owners paid back at the level of in average 90%. They appreciated the opportunity and the training.
  • After a few years, they started to complain about a too limited amount of coaching and that they would have wished for a larger amount of funds.
  • The first phase of the programme was concluded in 2018 and had then reached eight villages and one semi-urban location, with in total 300 business owners. 

2020 and 2021:  (M Yawo and L&D)

  • 90 loan-takers during 2020.
  • 100 % pay-back and in time.
    30 women 2,000 Euro in 1 Jan – 31 August 2020.  Paid back 2,200. 

Business management, scaling & profit management:

  • The type of businesses that benefitted from scaling-up included; sales of corn, rise, small fish, smoked fish, doughnuts, soya cheese, juice, condiments, cosmetic products, accessories, porridge, porridge with sugar, food from corn to eat at the shop, juice to drink at the shop, local food, local beer, and medicine, as well as; food shop, small-item shop, tailoring, hairdressing with sales of wigs, and medical treatment.
  • The beneficiaries informed that they have been able to scale up their businesses and increase their turn-over as a result of the programme. The loan has made it possible for the business managers to procure more material required for their businesses.
  • The customer demand is in balance with, or larger than, the scaling up and all products have been sold.
  • This has increased the profit for the business managers.
  • There are also several new start-up activities such as:– WOGBAGAN Kafui in KOTSOKOPE who is a hairdresser started the sale of wigs.– DAYLOR in AGBODJOKPO procured more corn for sale of porridge and added the sales of sugar.– KAZARO ADJO started selling smoked fish in addition to the previous corn trade.– AZINOU in AGBODJOKPO, was enabled her to equip her health hut, which previously lacked materials.
  • Profit management – saving: Asking the question about the management of their profits, the majority of the beneficiaries told that after they weekly paid Mr. Yawo in order to manage their saving. They paid savings either daily or weekly  FCFA 200 – 300 per day or FCFA 1000 – 3000 per week (EUR 1 – 5 per week).( Those who are not saving have been encouraged to start doing so.)
  • The saving of profit allowed them to manage any unforeseen costs and other expenses parallel to the activity.

Lessons learned

  1. The project start-up was actually not user-driven, the HR&S Action No1. S.E.VIE was not a member of the community, but an association from the nearest small city.
  2. Operations in villages becomes expensive due to transportation, as the programme manager will have to visit each village every month.
  3. As the programme manager actually has to collect re-peyment per week the programme can in actal practice give out parallel loans and thereby earn mor than 10 %, maybe 20 % if managing the funds in double.
  4. The programme manager M Yawo has the required capacity to supervise the loan-takers and hold the programme together. The programme manager Mr. Yawo AHIAKPONOU has shown the capacity to supervise the loan-takers on how to generate a profit, to encourage them to save, identify new loan-takers, and to hold the programme together. The programme manager is a villager him-self, and this may be one of the reasons why the re-start of the programme in 2020 was more successful than during the previous period.

Informed decisions

  1. 2019: Replace S.E.VIE with a programme manager from the community. M Yawo had been supporoting SEVIE with the programme since the beginning and accepted to become programme manager. SEVIE was instead proposing and also supported financially by Action10 to start the same programme in their own community, Tsévié (A26).

Impact

Not yet, expected in 2023. The expected impact is that the businesses supported shall become sustainable, and be growing by its own effort. In the 2020 – 2023 phase of the programme, 200 businesses are targeted. And the expected investment required is around EUR 12,000. Now that the payments are made in installments for a priod of two years ( and thus funds the running costs) the total coast is expected to be EUR 15,000.

The funds that have been paid back can then be invested in another group of 200 women.

The interest from the programme pays for the management of the programme (but not the coaching and auditing).

Testimonies

The business manager M. Yawo “warmly thank the people in charge of this programme for their contribution and support and hope that it will continue”.

Vision

Women in the villages have financial autonomy.

Background

Context

Through the many visits that S.E.VIE performed in the rural villages in the Zio prefecture in Togo during 2010 and 2011, the association identified yet neglected but potential economic development opportunities of these villages.  Women from villages struggle every day to run their business. Even though they have a strong and detailed project; microfinance companies have given up on them. The women do not have enough financial resources to manage the farming and they have been excluded from regular microfinance institute. Isolated in the countryside and with no real guarantee to offers a loan giver; villagers desperately need money to invest and be able to develop their activities.  Yet, the Banks and the Microfinance institutions do not intervene in the remote areas of Togo.

Opportunity for collaboration

Therefore, in 2012 S.E.VIE and Action10 decided to implement a programme addressing community services through social enterprising in rural Togo. The scope of the programme was to support women and men, who wanted to start social enterprises which should provide community services. SEVIE and Action10  jointly provide loans to the business managers, mostly women, with 10 % annual interest, combined with training and coaching in all areas required for success.

Outcome

The first step was a pilot in Foulany Kondji in 2012. It gathered 30 women. The business managers (Target Partners) came together in a village group called an assembly, for which a president, a secretary and a counsellor was elected. Inside this assembly, cooperatives of 4 to 6 women are created. Each woman received a certain amount of money according to their project and the payback was collective.

Follow-up

The activity in Foulany Kondji grew successfully every year and eventually gave rise to an assembly with 200 women and a few men. During a period of six years, the programme grew and was adopted by eight villages. The approach is embracing all aspects of community services. 

Outcome

2012 – 2018
During the first years of the programme the business owners paid back at the level of in average 90%. They appreciated the opportunity and the training. They complained about a too limited amount of coaching and they would have wished for larger amount of funds. The first phase of the programme was concluded 2018, and had then reached eight villages and one semi-urban location and 300 business owners. 

2020
A new phase of the village programme was initiated in 2020, after a session of reflections over lessones learned, and targeted  four new villages and 200 new business owners. 

Status 2020

The situation is the same as when performing the previous review in 2010. Several financial institutions are in operation but these are more concentrated in the major cities of the country. The loan conditions in these institutions are generally difficult, especially the securities or the guarantees make the poorest left out, and especially the women. Several other projects are initiated by the government (FNFI, etc.) for these vulnerable population, but few are still involved. Many people, especially women, in order to survive and support the education of their children run rural small-scale businesses. There are still many of them who seek financial support to boost their daily activities.

HR&S aims to continue support vulnerable populations in order to improve their livelihoods through social entrepreneurship for a sustainable economy. To do this, HR&S partner with M. Yawo AHIAKPONOU for a programme where small credits are offered to members of the poor population in remote villages, especially women, for a renewable period during three years. M. Yawo AHIAKPONOU is from these villages himself and was supporting S.E.VIE with the implementation of the previous phase of the programme. M. Yawo AHIAKPONOU wanted to see the programme successd and pointed out lessons to be learned and infromed decisions to be taken.

Outcome 2020

  • 90 loan-takers
  • 100 % pay-back and in time.

Expected Outcome 2023

At the end of this phase of the programme, more than two hundred (200) households and women are expected to have their own capital to be able to continue their IGAs independently. Families are expected to live their lives far from poverty and their children are expected to go to school.

Social good & business model

Eligibility criteria

  • Be a vulnerable person who is economically active.
  • Be between 25 and 55 years old.
  • Being a member of a solidarity group: 2 or 3 people.
  • The amount of each loan must be approved by the solidarity group as well as by L&D.
  • Interest payments are used to cover the administrative costs of program benefits.
  • Participate in association meetings.

Conditions       

Amount (FCFA)*     30,000 – 100,000
Duration, months     6 – 10
Guarantee                  Solidarity cooperatives with 2-3 members
                                     HR&S coaching
Interest rate, %           10
Coaching fee, %          5
Refund period **         Weekly
Personal contrinution None
Asset guarantee          None

*  € 46 – 152, approximate as depends on exhange rate.
** Refunds are either collected on site or transferred through mobile money. Both are included in the coaching fee. 

Equal partnership collaboration

We aim to work in equal partnership, where each partner and partner institution is contributing with their skills to achieve the goals and where input, responsability and benefits are shared equally. The programmes must be needs driven, in the sense that a local stakeholders brings the idea and is responsible for the implementation of the programme. We further aim for real-time evalation planning, sustainable economy, accountabiliity and evidence based impact.

Target partners

The villages

  1. Foulani Konji. Start August 2012. Restart 2020.
    Following the pilot-project in 2012, 200 women formed a cooperative in Foulani Kondji.
  2. Konde kopé. Start November 2012.
  3. Boota. Start September 2013.
  4. Kpota. Start October 2013.
  5. Topévia.Start October 2013.
  6. Tsévié. Start 2013
    Tsévié is not a village but a small city, and the businesses concerns mostly selling food by the road. The project is managed by SEVIE and was scaled in 2019 and was then filed as A.26.
  7. Toméfa Start 2014.
  8. Agbodzekpo Start 2014. Restart in 2020.
  9. Kpotsokopé Start 2015. Total 25 entrepreneurs until 2018. Restart 2020
  10. Agbelouwé, Start 2020.
  11. Kpei. Start 2020
  12. Trekpedji. Start 2020
  13. Akakotsokope. Start 2020.
  14. Tokpo. Start 2020.
P1000219_edited

Programme management partners

Our programme management partners are
S.E.VIE and M. Yawo AHIAKPONOU.

The programme was initiated by S.E.VIE in 2012 and was then taken over by M. Yawo AHIAKPONOU  in 2019. M. AHIAKPONOU Yawo has a very close link to the villages.

In 2019, S.E.VIE proposed to transfer their experience to a semi-urban context and to continue the collaboration with Action10, with the same approach but in Tsévie´ (programme A.26). S.E.VIE is located in and has a very close link to Tsévie.

Acknowledgement

HR&S acknowledges S.E.VIE and its CEO M. Francois KLUTSÈ and CEO assistant Mrs. Délali ADEDJE who originally developed the innovation to help vulnerable populations which constitutes loans to good women and men who work and who come to repay part of it every weekend, in some rural areas of Togo.

L&D also acknowledges HR&S and Action10 for their support with initiating the association and scaling it up

Business model

Unit: FCFA,  FCFA is given as rounded off.

1st loan 2020

ActionInvest: Euro 2,000

Paid back: 1,200,000
100 % pay back with 10% interest.

2nd loan 2020

ActionInvest: Euro 3,000

Business investment loans
Paid back 1st loan = 1,200,000
New loan: 2.000.000
Coaches paid = 900 euros (590000)
New capital = 1,954,000-590,000= 1,364,000
Total capital= 1364000+1200000= 2,564,000

Beneficiaries: 60 persons
30 loan takers who have benefitted from a first loan:
1- 40000 FCFA each for 20 persons
2- 50000 FCFA each for 4 persons
3- 60000 FCFA each for 6 persons
30 new loan takers:
40000 FCFA each for 30 persons

Expected payback
Interest 10 % = 256,400
Coaching fee = 115 FCFA (Euro 0.17) per Target partner and week (24 weeks) = 165,000 FCFA
Expected payback: 2,986,000

Profit
422,000

Expected costs
Mobile Money Transfer cost (per week 3,000), six months (26 weeks): 78,000
Local travels: 165,000
Programme manager reimbursement 35,000 FCFA per month (Euro 53), six months: 210,000
Total: 453,000

Testimony
M Yawo Oct 2020: With this reimbursement (35,000 FCFA per month ) I will be able to work full-time on this programme and I will be in the villages every day.

unsplash - investment capital

3rd loan

By the end of the year 2020

                                                                                     FCFA               Euro 

ActionInvest                                                          1,300,000        2,000                   

Costs

New loans
14 persons FCFA 30,000 (Euro 46) each    420,000         644
16 persons FCFA 40,000 (Euro 61) each       640,000          976
Total                                                                               1,060,000          1,620

Administration
Bank fees                                                                       xx                       yy
Repair motorbike Programme manager          150,000             230
Upgraded smartphone Programme manager   50,000             80
Book and contract sheet                                               15,000             23
Fuel for transportation                                                    15,000             23
Total                                                                                     230,000           356

Grand total                                                                1,290,000               1,976

Please note that the numbers are approximate as a result of varying exchange rates.

 

4th loan

ActionInvest was able to transfer EUR 2,000 early 2021.
The total investment so far is then EUR 9,000.
L&D actually requested EUR 5,500 for the programme to become sustainable, but the funds avaliable was EUR 2,000. 

From 2021 the  Management team inlcudeas also  two ladies, that are reimbursed FCFA 6,000 (Euro 9) per person and month.

Financially sustainable

The expereince and calculations made by L&D early 2021 show that with an investment of about EUR  15,000 a new programme with 200 target partners can become sustainable, noting that the investement has to pay for some running costs while building up and establishing the the income from interest level that is required to cover the running costs.

 

L&D actually requested EUR 5,500 for the programme to become sustainable. That is, the interest can cover the programme management costs; including everything such as programme management  reimbursement and weekly transporttion. Meaning

Status report July 2020

by Milohum Mikesokpo DZAGLI, PCA, CEO of Leaders & Development (L&D) and HR&S Evaluation planning coach.

Mr Milohum Mikesokpo DZAGLI worked with M. AHIAKPONOU Yawo to establish TRUST and RESPONSIBILITY for the new programme. This was done through many phone calls and meetings. L&D assisted the programme design including:

  • A business plan
  • Bookkeeping
  • Contract
  • Recruitment and Workshops
  • Management of ActionInvest funds

Contracts were signed on 29 /02/2020 and the new programme started finally from 01 march 2020 and the first reimbursement started on 12th march 2020. Thirty people (29 women and 1 man) were involved for the first six (6) months. This report concerns the evolution on the activities of the implementation of the “Small-scale business programme in Agbelouve”, Togo. Agbelouve is a small town about 50 km from Lomé and it is associated to three small villages Kpotsokope, Agbodzakpo and Foulani Kondji, which are situated within 30 km from Agbelouve. Follow-up communication was arranged through cell-phone messages and calls between M AHIAKPONOU Yawo and L&D to be sure of the implementation. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars, etc.

Status July 2020

  • Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKPONOU Yawo.
  • L&D has a general excel sheet for all the loan takers that contains all transactions.
  • A contract of six months was signed in double by every loan taker.
  • An android Phone was bought for M AHIAKPONOU Yawo for helping for a good communication and for WhatsApp discussion
  • Regular discussions are performed with M Yao concerning the programme and difficulties
  • Mobile money transfer is used to reduce money transfer costs and this is also working well in this sanitary situations with COVID-19.

                                                                              Kotsokope,  2020

 

Challenges and proposed solutions

  • The mobility of M Yao is a very real issue. Because every week, he travels more than 60km to collect money from women.
  • Proposed solution: Mobil money transfer.
  • Too small amount of capital to give out as loans. The limit of the amount of the loans is 40000F CFA (60 euros) but some activities need more funds to reach sustainability.
  • Proposed solution: Increased volume of the capital.
  • A large number of candidates from the previous phase of the programme are expecting a continuation.
  • Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the progamme, in order to learn the lessons and further strengthen the programme design.
 

Testimony
“The people involved in this programme were happy  with these forms of cooperatives and the smile began again”.

vISIT report AUGUST 2020

VISIT TO
AGBELOUVE,
FOULANY KONDJI, AGBODJEGBO, AND KOTSO KOPE
08/30/2020 FROM 1PM TO 5PM

REPORT by Elisabeth DRAFOR 08/31/2020

AGENDA
1- MEET THE BENEFICIARIES
2- PRESENTATION OF RISE TOGO MEMBERS TO BENEFICIARIES
3- EVALUATION OVER 6 MONTHS OF ACTIVITY

PARTICIPANTS
RISE TOGO:  Mr. DZAGLI MILOHUM, Mr. ALEX AKOTCHAYE, Mr. KOMI ABAVE, Mrs. ELISABETH DRAFOR.
SUPERVISOR OF THE AGBELOUWE SECTOR AND ITS SURROUNDINGS and PROGRAMME MANAGER Mr. AHIAKONOU YAWO.

This Sunday 08/30/2020 RISE TOGO went to AGBELOUVE and its surroundings for AN EVALUATION OF PROGRAM NO A3. SMALL-SCALE BUSINESS PROGRAM IN THE VILLAGES

The contract for this program was signed on March 01, 2020 and the start of activities on March 12, 2020 over a period of 6 months therefore ending at the end of this month of August
Following the visit followed by interviews with beneficiaries; the first part of this program went well and the reimbursements were made by proof of a payment book (1 with each beneficiary and 1 with Mr YAWO) which proves that all the members are up to date (exemple photo of a book below)
In addition all the beneficiaries have experienced the satisfaction of this program and strongly request a capital increase by means of 100,000 FCFA desired by all
They also suggest that it would be preferable for the funds to be on time according to the season of each activity for the smooth running of the latter thus avoiding delay in payment.
Out of 30 people participating in this program has AGBELOUVE AND ITS SURROUNDINGS; 19 were present for this evaluation.

Status report SEPTEMBER 2020

Coaching report

by Milohum DZAGLI

Background

Results from the inventory of the loans in the villages, Programme No A.3. HR&S – Action10 proposed a restart of Programme No A3.  L&D has kindly agreed to coach the programme and follow the management. And the management of this programme is now lead by a partner with a closer link to the villages, M. AHIAKPONOU Yawo.

L&D worked with M. AHIAKPONOU Yawo to establish TRUST and RESPONSIBILITY for the new programme. This was done through many phone calls and meetings. L&D assisted the programme design including:

  • A business plan
  • Bookkeeping
  • Contract
  • Recruitment and Workshops
  • Management of ActionInvest funds

Contracts were signed on 29 /02/2020 and the new programme started finally from 01 March 2020 and the first reimbursement started on 12th March 2020.

Thirty (30) people (29 women and 1 man) were involved for the first six (6) months. This report concerns the activities of the implementation of the “Small-scale business programme in Agbelouve”, Togo for these six (6) months.

Agbelouve is a small town about 50 km from Lomé and it is associated with three small villages Kpotsokope, Agbodzekpo and Foulani Kondji, which are situated within 30 km from Agbelouve

Follow-up communication was arranged through cell-phone messages and calls between M AHIAKPONOU Yawo and L&D to be sure of the implementation. The programme in the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hairdressers, etc.

This programme ended on 31th of August 2020 and an onsite visit took place on 30 August 2020 to consider the real end and discuss with the loan takers.

It was noted that:

  • Each loan taker had two duplicated books that contain every transaction, one with the loan taker and the other with M AHIAKPONOU Yawo.
  • L&D has a general excel sheet for all the loan takers that contains all transactions.
  • A contract of six months was signed in double by every loan taker.
  • An Android Phone was bought for M AHIAKPONOU Yawo to enable good communication and for WhatsApp discussions.
  • Regular discussions were performed with M Yao concerning the programme and challenges.
  • Mobile money transfer is used to reduce money transfer costs and this is also working well in this sanitary situations with COVID-19.

The people involved in this programme were happy while the smile began again with these forms of cooperatives. All of them appreciated the support.

 

Challenges and proposed solutions

  • The mobility of M Yao is a very real issue. Because every week, he travels more than 60 km to collect money from the women.
    • Proposed solution: Mobil money transfer.
  • The limit of the amount of the loans is 40000F CFA (60 euros) but some activities would benefit from more funds to reach sustainability.
    • Proposed solution: Increased volume of the capital.
  • New candidates are expecting being integrated into the programme.
    • Proposed solution: More fund needed to come up with the demand.
  • A large number of candidates from the previous phase of the programme are requesting a continuation.
    • Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.
Finances

The situation on 31 August  2020, FCFA

Invested on the field

 

1,200,000
(€1,800)

Items

Expenses at the end

 

 

L&D

Programme

 

Reimbursement on 31 August  2020



1 476 000

Travel fees & salary of M Yao (35,000 (€50) *6)


210,000


Mobil money transfer (1,500 (€2) *4*6)


36,000


Communication 


30,000


Transport of L&D on 30/08/2020 (Agbelouve, Kpotsokope, Agbodzekpo and Foulani kope -Lomé, in and out)

20,000
(€30)



Remaining to be collected



0

TOTAL

20,000

276,000


Funds paid back to the account

 

 

1,200,000

Status report October 2020

Coaching report

by Milohum DZAGLI,
October 03th 2020

Background

Through the coaching of Leaders & Development (L&D), Togo, thirty (30) peoples got loans from HR&S – Action10 villages Programme No A3. This term ended end of august 2020. The management of this programme is now lead by a partner with a closer link to the villages, M. AHIAKONOU Yawo. TRUST, RESPONSIBILITY and ACCOUNTABILITY were found along with this new start of the programme.

So new contracts were signed on October 03th, 2020 and the first reimbursement is set on October 08th, 2020. Sixty people (58 women and 2 men) were involved for the next six (6) months. This report concerns the launch of the activities of the implementation of the second phase of the “Small-scale business programme in Agbelouve”, Togo.

Agbelouve is a small town about 50 km from Lomé and it is associated with three small villages Kpotsokope, Agbodzakpo and Foulani Kondji, which are situated within 30 km from Agbelouve.

Follow-up communication was arranged through cell-phone messages and calls between M AHIAKONOU Yawo and L&D to be sure of the implementation and to recruit people to be involved. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars, etc.

On October, 03th, 2020

  • A workshop on how to use the grants and attitudes to avoid and to reimburse all the amount was addressed to all the participants in each village.
    The workshop was held by M DZAGLI, M AHIAKONOU Yawo and Mme NYAGBE (L&D).
  • Each loan taker had two duplicated books that will contain every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
  • RISETogo has a general excel sheet for all the loan takers that contains all transactions.
  • A contract of six months was signed in double by every loan taker.
  • Regular discussions started with M Yao concerning the programme and difficulties.
  • Mobile money transfer is used to reduce transport costs of M Yawo to Lomé or to a bank for the transfer.

The people involved in this programme were happy while the smile began again with these forms of cooperatives.

Challenges and proposed solutions

  • The mobility of M Yao is a very real issue. Because every week, he travels more than 60 km to collect money from around 60 people.
    Proposed solution: a coaching fee (collection fee) is set to be paid by each Target Partner (115 FCFA).
  • The minimum of the amount of the loans is 40000F CFA (60 euros) but some activities need more funds to reach sustainability.
    Proposed solution: ten (10) people saw their amount increased to 50000 (76euros) or 60000 (91 euros) of the capital.
  • New candidates are expecting being integrated into the programme
    Proposed solution: More fund needed to meet the request.
  • A large number of candidates from the previous phase of the programme are proposing a continuation.
    Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.

Expenses for the programme

Items

FCFA

Transport of M Alexis (in Lomé)

5000

Transport of L&D on 03/10/2020 (Agbelouve, Kpotsokope, Agbodzakpo and Foulani kope -Lomé, in and out)

10 000

Print of contracts

1200

Conception of contract and book

forfaits

Copy of Book / Sale of Book

15000/-15000

Invested on the field

2 560 000

TOTAL

2 576 200

Investment, Agbelouwe & villages, F CFA

 

 

 

 

Finances

 

 

 

First round paid back

1 200 000

ActionInvest (Euro 3000)

1 954 000

TOTAL1

 3 154 000

Capital Invested

2 560 000

Expenses

16 200

TOTAL2

2 576 200

Balance

578 000

 

For coaches, Euro 900 (4*225)

590 310

Number of participants

60

Periods

Capital + Interest

Capital

 

Interest

 

Coaching / Collection fees charged  Target Partners

 

Transfer fees

(Money Transfer)

 

Spending

Week

117 430

106 690

10 740

6 900

3 000

5 400

Month

469 720

426 760

42 960

27 600

12 000

21 600

Duration 2 of the programme (6 months)

 2 818 320

2 560 560

257 760

165 600

72 000

129600

 

Monthly expenses

Admin & communication

5 000

Coaching or collection costs

27 600

Monthly salary supplement M Yawo (41 560)

13 960

Women (2)

12 000

Transfer fee

12 000

Total

70 560

End Programme – TOTAL (x 6)

423360

Visit report  Nov 2020

COACHING STATE REPORT
By Dr. DZAGLI

Through the TRUST, RESPONSIBILITY and ACCOUNTABILITY instituted in the management, HR&S – Action10 villages Programme No A3 increased the number of loan takers in the villages on the 31st October 2020. This is the result of the new fund supplied by the HR&S – Action10. The management of this programme is led by our closer link to the villages, M. AHIAKONOU Yawo. After the sixty (60) new contracts, signed on October 03rd, 2020, new thirty (30) women were now involved in the programme for twenty-four (24) weeks. Their first reimbursement started on November 05th, 2020.

This report concerns the launch of the activities of the implementation of this phase of the “Small-scale business programme in Agbelouve”, Togo.
Agbelouve (Prefecture of Zio) is a small town about 50 km from Lomé and it is associated to three small villages Kpotsokope, Agbodzakpo and Foulani Kondji, which are situated within 30 km from Agbelouve. Some new members come from nearest villages such as Kpei, Trekpedji Akakotsokope and Tokpo. Follow-up communication was arranged through cell-phone messages and calls between M AHIAKONOU Yawo and L&D to be sure of the implementation and to recruit people to be involved. The programme on the field comprised of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars, etc.

On October, 31st, 2020

  • A workshop on how to use the grants and attitudes to avoid and to reimburse all the amount was addressed to all the participants in each village as advice (by M DZAGLI, M AHIAKONOU Yawo and Mme NYAGBE, Rise Centre Togo B&PR).
  • Each loan taker was advised to manage their activities making the economy to reach sustainability in a few years (for example 2 years).
  • Each loan taker had two duplicated books that will contain every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
  • A general excel sheet was set for all the loan takers to contain all transactions.
  • A contract of six months was signed in double by every loan taker.
  • Regular discussions started with M Yao concerning the programme and difficulties.
  • Arrangements are made to reduce the transport costs of M Yawo to Lomé or the transfer cost.
  • The minimum of the amount of the new loans is 30000F CFA (46 euros) and the maximum is 40000 (60 euros) of the capital.

The people involved in this programme were happy while the smile began again with these forms of cooperatives.

Challenges and proposed solutions

  • The mobility of M Yao is a very real issue. Because every week, he travels more than 60 km to collect money from around 90 people.
    • Proposed solution: a coaching fee (collection fee) is set to be paid by each Target Partner (115 FCFA) per week. Also, the broken moto of M Yawo is repaired by HR&S – Action10 (150 000 FCFA) to help him in the transportation.
  • Male candidates are expecting being integrated into the programme
    • Proposed solution: Good result from the actual programme can lead to their integration. More fund needed to come up of this demand
  • A large number of candidates from the previous phase of the programme are expecting a continuation.
    • Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.
  • New cooperatives are coming on the field to grant people. Women would like to take many engagements to get more capital.
    • Proposed solution: As our rate would be the best, people are still interested in. But investigations are improved to avoid loan takers with two different loans. The need to increase the amount of the loan is raised.

Finances

Expenses for the programme

Items

Action 10

Transport of M Alexis (in Lomé)

5000

Transport of Coaches on 31/10/2020 (Agbelouve, Kpotsokope, Agbodzakpo -Lomé, in and out)

10 000

Print of contracts and envelop

1300

The conception of contract and book

forfaits

Copy of Book / Sale of Book

15000/-15000

Moto repairing

150000

Cell Phone

49500

Invested on the field

1060 000

TOTAL

1 275 800

Balance/1293000

17200

 
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Report  Report from field visit

by Ms. NYAGBE.

In order to support poor women in the Zio prefecture to improve their living conditions, HR&S – A10 through their representation, HR&S RISE Center in Togo, carried out, on October 31, 2020, a loan granting activity to certain women. .
Being all resellers, they numbered 30 in the respective villages of Agbelouvé, Agbodzekpo, Kotsokope and surrounding areas.
In total, an amount of one million sixty thousand (1,060,000) FCFA has been spread over a six (6) month term, the weekly repayment of which depends on the amount borrowed. For a loan of forty thousand (40,000) FCFA, the repayment amounts to one thousand nine hundred and fifty (1950) FCFA, or one thousand four hundred and ninety (1,490) FCFA for thirty thousand (30,000) FCFA of loan.
During this period, refunds will be sent to the account of HR&S RISE Support Center in Togo.
A phase of our meeting was devoted to the questionnaires of the beneficiaries following the advice given respectfully by the coaches of the RISE Togo Mr. DZAGLI and Ms. NYAGBE and the the Programme Manager Mr. AHIAKONOU Yawo, .
At the end of our meeting we visited some members of the group who had received financial support to verify their activity and the day was closed with the delivery of a new telephone and a sum of one hundred and fifty thousand (150,000) FCFA to Mr. Yawo for the repair of his motorcycle as part of his continuing work.

 

Test-E report  Nov 2020

12 November 2020
In the localities of Agbelouve, Foulany Kondji, Agbodjokpo and Kotso Kope.
By Ms. Elisabeth Abra DRAFOR
with support from Mr Yawo concerning logistics.
Survey management coach at HR&S RISE Support Centre in Togo.

Survey Method

This survey took place on Wednesday 12/11/2020 in AGBELOUVE, FOULANY KONDJI, AGBODJOKPO and KOTSO KOPE, and targeted

  1. a compilation of the income-generating activities of the beneficiaries
  2. the change brought about by this programme in their life.
  3. A compilation of the names of the loan-takers and the amount borrowed.
  • The survey went from one village to the next during one day.
  • The day of the week selected for the survey was Wednesday, which is the official market day in the region.
  • Ms Elisabeth, the survey management coach was accompanied by Mr. Yawo, the programme manager. Mr. Yawo drove Ms. Elisabeth on his motorbike so that she could reach the villages more easily.
  • The team was able to meet with 46 out of 90 beneficiaries of the programme.
  • Elisabeth spoke with each partner individually.

Context

Type of businesses that would benefit from scaling-up include; sales of corn, rise, small fish, smoked fish, doughnuts, soya cheese, juice, condiments, cosmetic products, assessories, porrage, porrage with sugar, food from corn to eat at the shop,  juice to drink at the shop, local food, local beer, and medicin, as well as; food shop, small item shop, tailoring, hairderssing wiht sales of wigs, and medical treatment,

Output

Each of the business managers have received different sizes of loans of between 30,000 and 60,000 FCFA depending on the activity carried out.

Outcome

Business size – scaling up
The beneficiaries inform that they have been able to scale-up their bsuinesses and increase their turn-over as a result of this programme. The loan has made it possible for the business managers to procure more material required for their businesses. The customer demand is in balance with, or larger than, the scaling up and all products have been sold. This has increased the profit for the business managers.

Number of businesses – increased
From stage one, to two to three during 2020 have the  number of participants increased by the maximum number; 30 each time, thus, 30, 60, 90. The maximum number refers to the size of the capital available for loans. Thus the number of potential HR&S business managers are in balance with, or larger than, the capital made available for the loans. This has increased the number of business managers that can increase the profit for their businesse.

New businesses
There are several new start-up activities of which some are mentioned here:
– WOGBAGAN Kafui in KOTSOKOPE who is a hairdresser started the sale of wigs.
– DAYLOR in AGBODJOKPO procured more corn for sale of porridge and added the sale of sugar.
– KAZARO ADJO started selling smoked fish in addition to the previous corn trade.
– AZINOU in AGBODJOKPO, was enabled her to equip her health hut, which previously lacked materials.

Level of paying back – high
The pay back level of 100 percent after stage ONE demonstrates
– the loan-takers determination to pay back and
– the programme manager M Yawo’s capacity to supervise the loan-takers and keep the programme together. 

Income generation – sustainability
The business managers did not point out any issues that could cause the business to break-down, other than unexpected drops in sales and customer base a few times.
Despite these challenges that business managers reassure their dedication to always settle again no matter the situation.

Profit management – saving
Asking the question about the management of their profits, the majority of the beneficiaries told that after they weekly paid Mr. Yawo in order to manage their saving. They paid saved either daily or weekly (200fcfa to 300fcfa / day) or (1000fcfa to 3000fcfa / week). This allows them to manage any unforeseen costs and other expenses parallel to the activity. Those who are not saving have been encouraged to start doing so.

Programme management – Mr. Yawo
The programme manager Mr. Yawo has shown capacity to supervise the loan-takers how to genereta a profit, to enourgae them to save, identify new loan-takers and keep the programme together. 

Lessons learned from previous phase: 2013 – 2018
The programme manager is a villager him-self, and this may be one of the reason why the re-start of the programme in 2020 is more successful than the previous.

Testimonies
The business managers warmly thank the people in charge of this program for their contribution and support and hope that it will be continuous.

Conclusion

From stage one, to two to three during 2020 have the  number of participants increase by the maximum number; 30 each time, thus, 30, 60, 90. The maximum number refers to the size of the capital available for loans.

This clearly demonstrates how this programme is useful for the beneficiaries
Also, the pay back of 100 percent after stage one demonstrates
– the loan-takers determination to pay back and
– the programme manager M Yawo’s capacity to hole the programme together. 

Next visit

The next visit will focus on unvisited beneficiaries. The reason why they could not be interviewed this time was due to either their absence and becasue it became late in the evening. Moreover during the next visit we will

  1. Ask open-ended survey questions.
    1. What do you think about this initiative?
    2. What is good?
    3. What can be improved?
    4. Other.
  2.  Call for group meeting and ask open-ended group questions.
    1. Ask each member to talk freely about the programme and invite the others to comment.
  3. Ask for un-guided testimonies.
  4. Take photos and video, with written conent to be shared on web-site and possibly social media as well.
P1000222

Details about the business managers

AGBELOUVE

N ° NAME FIRST NAME CONTACT ACTIVITY Amount Received

1 DZENE Akossiwa Seamstress 60,000 FCFA
2 KODEGUI Christine 98181293 Catering + Purchase Sale of Corn 60,000 FCFA
3 KODEGUI Amavi 91473594 Sale of juice + catering 40,000 FCFA
4 AGBESSIME Adjowavi 96602410 Sale of condiments 40,000 FCFA
5 KODEGUI Friend
6 KODEGUI Mangui
7 DOTSE Ablavi 97 608 503 Sale of wig 40,000 FCFA
8 EDOH Ablavi
9 KOUWONOU Friend
10 SODOGA Kossiwa 98736950 Sale of Thrift Store 40,000 FCFA
11 AGBOMADJI Friend 97291179 Rice trade 40,000 FCFA
12 ZIGAH Akoua
13 DAYO Afi
14 AYIBOKOU Friend
15 ABALO Catherine
16 YAPE Adjovi
17 DEDJO Akpedjé 97654297 Sale of cosmetic products + accessories 40,000 FCFA
18 AVOUKOU Akossiwa

FOULANYI KONDJI

N ° NAME FIRST NAME CONTACT ACTIVITY AMOUNT RECEIVED


1 AHIAWONOU Adjo Small general food shop 60,000 FCFA
2 KOGLO Philomène S / C 93 509 308 Purchase Sale of Corn 60,000 FCFA
3 NYADEDJO Adjo Restauration 40,000 FCFA
4 AGBOZO Afiyo 70 172 472 Sale of condiments + Catering 40,000 FCFA
5 AYITE Dela 93511300 Thrift store + Accessories 40,000 FCFA
6 AMOUZOU Délali Sale of small fish + Donut 40,000 FCFA
7 SETEWOU Ami S / C 93511 300 Sale of condiments 40,000 FCFA
8 AKAYI Amavi S / C 70 172 472 Sale of soy cheese 40,000 FCFA
9 AHIAKONOU Yawo

AGBODJOKPO

N ° LAST NAME CONTACT ACTIVITY SUM RECEIVED

2 DAYILOR Yawa 70090762 Sale of Porridge 40,000 FCFA
3 ALLILSSO Dovi
4 AZINOU Yawa 91580020 Medical case 40,000 FCFA
5 DOAMEKPO Abra S / C92894711 Smoked fish 40,000 FCFA
6 ATTIGNO Baby

KOTSOKOPE / AKAKOTSOKOPE

N ° LAST NAME FIRST NAME CONTACT ACTIVITY RECEIVED
1 ABALO Abra Sale of Condiment 50,000 FCFA
2 ADJALAM Yawa Purchase and Sale of Corn 50,000 FCFA
3 AGBEVE Yawavi
4 AGBELENKO Adjovi Purchase Sale of Corn 40,000 FCFA
5 AKPAMAGBO Akou
6 AMOUSSOUVI Adjovi Sale of Condiment
40,000 FCFA
7 AWANGA Amavi Local Drink
8 EDJA Sena
9 FETSE Afi Restauration + General Food 60,000 FCFA
10 KLOUTSE Akossiwa
11 KLUKPOE Mole Restauration (Pate, fufu) 50,000 FCFA
12 KOTA Souzana Production and Sale of Local Drinks 40,000 FCFA
13 NAPO Akossiwa
14 SIKA Abravi
15 TIKINTO Essi
16 WOGBAGAN Kafui Dressing table 40,000 FCFA
17 ATANDEMA Akuya Local Drink + Soy cheese 40,000 FCFA
18 DUNKU Massa Sale of Condiment 40,000 FCFA
19 SASI Adjo
20 NAGBADJA Boumpoua
21 GBOUDOU Akossiwa Shoe + loincloth 40,000 FCFA
22 DOUNOUGLO Yawa
23 SOWUBO Honorine Bassine + accessories seal 40,000 FCFA
24 FANWOU Julienne Pharmaceuticals + cosmetics + accessories 40,000 FCFA
25 GOSSOU Ablavi Maize + Accessories 40,000 FCFA
26 WOGBAGAN Mensavi
27 MBOM Marthe Local drink 40,000 FCFA
28 DJOMADJO Abra
29 KODJO Kuya
30 ALIMO Adjo Local drink 40,000 FCFA
31 KLAKEVI Odette Restauration 40,000 FCFA
32 KPATA Morotowa
33 TOUN Akossiwa
34 KOTSO Woèvi
35 TEVI Massa
36 DUNKU Dovi Condiment 40,000 FCFA
37 KPANKPANDELMA Meza
38 KAZARO Adjo Purchase Sale of corn + smoked fish and loincloth 40,000 FCFA
39 KLOUKPOE Akouvi Bar Restauration 40,000 FCFA
40 SEGBE Adjo 91433514 Sale of condiments 40,000 FCFA
41 ABALO Akouvi
42 ABALO Akossiwa 79553135 Sale of condiment 40,000 FCFA
43 ABALO Abrayo 93034304 Commercial but 40mil
44 ABALO Afi
45 SAVI Abouya General Food 40,000 FCFA
46 DJIDONOU Ama
47 DUNKOU Essi
48 FIOEGBE Adjovi General Food 30,000 FCFA
49 KAZARO Friend
50 KPATEKA Amavi
51 AWUNU Essi
52 FETSE Yawo
53 KEKESSI Akou
54 FOFOE Akouvi
55 AMEKO Friend
56 ADZOTSA Afi

End of the year 2020
evaluation planning report

ANNUAL REPORT -2020
AGBELOUWE & RESORTS

By  Dr Milohum Mikesokpo DZAGLI, (Assoc. Prof.)
President, Leaders & Development (L&D)

Background

HR&S – Action10 proposed to restart of Programme No A3 under the management of a partner with a closer link to the villages, M. AHIAKONOU Yawo.  Follow-up communication was arranged through cell-phone messages and calls setting all. This programme is implemented at Agbelouve, a small town situated at about 50 km from Lomé and it is associated to neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, which are situated within 30 km from Agbelouve. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hair dressers, etc.

L&D worked with M. AHIAKONOU Yawo to establish TRUST and RESPONSIBILITY for this programme through the coaching. L&D and Rise Centre Togo were involved in the programme design with including:

  • A business plan
  • Bookkeeping
  • Contract sheet
  • Recruitment and Workshops
  • Management of ActionInvest funds
  • In general:
    • Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
    • A contract of six months was signed in double by every loan taker.
    • Mobile money transfer is used to reduce money transfer costs and this is also working well in this sanitary situations with COVID-19.

For this, contracts were signed:

  • For the first group on 29 /02/2020 and the programme layed from 01 march 2020 (first reimbursement 12th March 2020) to end at 31st August 2020. Thirty (30) people (29 women and 1 man) were involved for six (6) months.
    1. L&D has a general excel sheet for all the loan takers that contains all transactions.
    2. A first android Phone was bought for M AHIAKONOU Yawo for helping for a good communication and for WhatsApp discussion
  • A second group was set from 03/10/2020 to 18/03/2021. Sixty (60) people (58 women and 2 men) were involved for six (6) months under the Rise Centre Togo. It’s noted that:
    1. Rise Centre Togo has a general excel sheet for all the loan takers that contains all transactions.
    2. A more sophisticated android Phone was bought for M AHIAKONOU Yawo for helping for a good communication and for WhatsApp discussion
  • A third additional group was set from 03/11/2020 to18/04/2021 in pararel to the group 2. Thirty (30) people (30 women) were involved for six (6) months under the Rise Centre Togo.
    1. Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
    2. Rise Centre Togo has a general excel sheet for all the loan takers that contains all transactions.

At this date ninety (90) people were happy being involved in this programme in these villages.  Smile began again in families with these forms of cooperatives. All of them appreciated the support.
For the first group, all the target partner (TP) payed back their loan. And for the Group 2 and 3, at this stage every TP is on time concerning the reimbursement.
M Yao’s motorbike was repaired to help him to join every week the TP.  To help him, two women were associated to M Yao to collect the money and advice people.

Challenges and proposed solutions

  • Too small amount of capital to give out as loans. The limit of the amount of the loans is 40000F CFA (60 euros) but some activities need more funds to reach sustainability.
    • Proposed solution: Increased volume of the capital.
  • New candidates are expecting being integrated in the programme
    • Proposed solution: More fund needed to come up of the demand
  • A large number of candidates from the previous phase of the programme are expecting a continuation.
    • Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.

Remarks

Concerning the business plan, the sustainability of the programme will be after two (2) years of the programme where the women would run their activities by their own capital through the interest they got from the support of Action10. So another rounds of the programme would help them to fulfill this objective.
On the field, the main request was that how to introduce many men in the group, while they ask about the opportunities.
These groups will end at 31st march and 30th April 2021, respectively. So If all go well a next tour will be in may for new people or old one.

P1000222

Finances

GROUP 1 closed on 31 August 2020

Situation on 31 August  2020

Invested on the field

 

1 200 000

Items

Expenses at the end

 

 

L&D

Programme

 

Reimbursement on 31 August  2020

  

1476000

Travel fees & salary of M Yao (35000*6)

 

210 000

 

Mobil money transfer (1500*4*6)

 

36000

 

Communication 

 

30000

 

Transport of L&D on 30/08/2020 (Agbelouve, Kpotsokope, Agbodzekpo and Foulani kope -Lomé, in and out)

20000

  

Fund back on 31 August  2020

  

1 476 000

On the field to collect

  

0

TOTAL

20000

276000

 

Fund payed back at the end

 

 

1 200 000

 

Funds

 

 

 

 

Sent by Action 10 (2000 euros)

1 311 800 F CFA

Received on the bank account  (1972 euros)

1 293 547 F CFA

Bank and installation costs (7%) (140 euros)

91 830 F CFA

Capital investment

1 219 970 F CFA

Credit amount per person

40 000 F CFA

Capital Invested

1 200 000 F CFA

Number of participants

 30

Periods

Capital + Interest + collection costs

Capital

Interest

Collect fees charged to beneficiaries

Transfer fees

(Money Transfer)

 

Spending

Week

61500

50100

7500

3900

1500

5400

Month

246000

200400

30000

15600

6000

21600

Duration (6 months)

1476000

1202400

180000

93600

36000

129600

 

Monthly expenses

Transport or collection costs

15600

Monthly salary supplement

19400

Total 1

35000

Transfer fee

6000

Admin & communication /month

5000

Total 2

11000

Total (1+2)

46000

End Programme (TOTAL (x 6))

276 000

 

Expenses at the launching of the programme Group 1

Items

L&D

Action 10

Transport of M Yao (Agbelouve-Lomé, in and out)

0

5000

Transport of L&D on 29/02/2020 (Agbelouve, Kpotsokope, Agbodzakpo and Foulani kope -Lomé, in and out)

 

15 000

0

Telephone for coordination to M Yao

0

30000

Print of contracts

 

600

Conception of contract and book

forfaits

0

Copy of Book

0

15000

Invested on the field

0

1 200 000

TOTAL

 

1 250 600

Auditing report 2020

By  Mr Alexi AKOTCHAYE
Aditor HR&S RISE Support Centre Togo

INTRODUCTION

Pursuant to the contract for the audit assignment signed on November 18, 2020 with ACTION10 / HR&S, we present to you our audit report carried out on February 1 and February 07, 2021 relating to the credit activities of the A3 programme called SMALL-SCALE BUSINESS at Agbélouvé and surrounding villages supported by the association Leaders & Développement (LD) during the year 2020.

This report covers the examination of the annual report presented and the control of the accounts and various operations

I- PRESENTATION OF THE LEADERS AND DEVELOPPEMENT ASSOCIATION (LTD)

Leaders & Développement is an association working in education, health, agriculture and income-generating activities and is headquartered in Lomé. This association has accepted to support a programme abandoned by the NGO Solidarité Enfance de Vie (SEVIE) called SMALL SCALE BUSINESS. This program is located in Agbélouvé,  50 km from Lomé and has ramifications in the surrounding villages. These villages are: Foulani Kondji; Kotsokopé and Agbodzékpo. The main activity of this program is to financially support the income-generating activity of women through microcredits.

II- ADMINISTRATIVE ORGANISATION OF PROGRAMME A3

The A3 program is administered by two main members namely: – Dr Milohum Mikesokpo DZAGLI, Chief Executive Officer at L&D and – Mr. Yawo AHIAKPONOU , assistant to the manager. Given the difficulties on the ground, Mr. AHIAKPONOU Yawo was assisted by two women. These are Ms. DALOR Yawa and Ms. DJENE Kossiwa. They are Mr. Yawo’s associates in the field and in charge of the mobilization for the repayment of credits.

III- FINANCIAL MANAGEMENT

To support the women of AGBELOUVE and its surroundings, ACTION10 and HR&S have made funds available to L&D and the A3 Programme during the year 2020 for a total amount of EUR seven thousand (7.000) , or approximately four million five one hundred and ninety-one thousand three hundred (4,591,300) CFA francs. The funds have been made available to finance income-generating activities in the form of credit to be repaid and to cover other costs as shown in the following allocation tables:

 

 

 

TRANSFERT

MONTANT en Euros

MONTANT EN FRANC CFA

I-

1er Transfert via le compte de M. DZAGLI

2000

1 311 800

 

 

 

UTILISATION DES 1 311 800 FCFA

 

Frais de tranfert prélévé sur le compte

18 365

Montant affecté aux crédits

1 200 000

Autres

93 435

Total

1 311 800

SOLDE

0

 

 

 

 

 

 

 

 

II-

2ème Transfert Via compte RISE TOGO

3000

1 967 700

 

 

 

UTILISATION DES 1 967 700 FCFA

 

Frais de tranfert prélévé sur le compte

17 390

Montant affecté aux crédits

1 360 000

Avance aux Coachs Rise Togo (900 euros)

590 310

TOTAL

1 967 700

SOLDE

0

 

 

 

 

  

 

 

 

III-

3ème Transfert Via compte RISE TOGO

2000

1 311 800

 

 

 

UTILISATION DES 1 311 800 FCFA

 

Frais de tranfert prélévé sur le compte

18 365

Montant affecté aux crédits

1 060 000

Réparation Moto Yawo

150 000

Achat Téléphone à Yawo

49 500

Confection des carnets aux membres

15 000

Autres dépenses (transport, communication)

18 935

TOTAL

1 311 800

SOLDE

0

 

3.1 CREDIT ACTIVITIES

Out of 4,591,300 CFA of funds transferred in 2020, three million six hundred and twenty thousand (3,620,000) CFA francs were allocated to credit operations, i.e. a proportion of 78.85% of the total. During the year 2020, credits were granted three times to women’s groups.

3.1.1. 1st group credit

The 1st credit is given on February 28, 2020 to 30 people. Each of them received forty thousand (40,000) CFA francs for a total amount of one million two hundred thousand (1,200,000) francs invested over a period of six (6) months. At the end of the period, September 20, 2020, all 30 people have paid the principal and interest in full. This first loan generated interest of one hundred and eighty-two thousand four hundred (182,400) francs. Taking into account the complexity of the operations in the field, collection costs were imposed and gave ninety-three thousand six hundred (93,600) francs. Thus the total interest and collection costs (182,400 F + 93,600 F) gives two hundred and seventy-six thousand (276,000) CFA francs.

Récapitulatif sur le 1er Crédit

Capital investi en crédit

1 200 000

Intérêts payés par les bénéficiaires

182 400

Frais de collecte des crédits

93 600

Total

1 476 000

 

3.1.2 Credit to the 2nd Group

This second credit was given on October 3, 2020 and benefited 60 people including 26 people out of 30 of the 1st credit and 34 new for a total amount of 2,560,000 F over six months as shown in the table below:

 

DESIGNATION

Nombre de bénéficiaires

Montant du crédit

Montant Total

Anciens bénéficiaires

6

60 000

360 000

Anciens bénéficiaires

4

50 000

200 000

Anciens bénéficiaires

16

40 000

640 000

Nouveaux bénéficiaires

34

40 000

1 360 000

TOTAL

60

 

2 560 000

Intérêts attendus

 

 

256 000

TOTAL (C+I)

 

 

2 816 000

 

These loans will generate a total amount of two hundred and fifty-six thousand (256,000) CFA francs in interest at the rate of 10%. These credits are still being reimbursed

3.1.3 Credit to the 3rd Group

One month after the loan to the 2nd group, thirty (30) people received loans totaling one million sixty thousand (1,060,000) CFA francs on October 31, 2020, to produce one hundred and six thousand (106,000) francs in interests.

 

DESIGNATION

Nombre de bénéficiares

Montant du crédit

Montant Total

Nouveaux bénéficiaires

16

40 000

640 000

Nouveaux bénéficiaires

14

30 000

420 000

TOTAL

30

 

1 060 000

Intérêts attendus

 

 

106 000

TOTAL (C + I)

 

 

1.166.000

 

unsplash - pens

3.1 CREDIT ACTIVITIES

Out of 4,591,300 CFA of funds transferred in 2020, three million six hundred and twenty thousand (3,620,000) CFA francs were allocated to credit operations, i.e. a proportion of 78.85% of the total. During the year 2020, credits were granted three times to women’s groups.

3.1.1. 1st group credit

The 1st credit is given on February 28, 2020 to 30 people. Each of them received forty thousand (40,000) CFA francs for a total amount of one million two hundred thousand (1,200,000) francs invested over a period of six (6) months. At the end of the period, September 20, 2020, all 30 people have paid the principal and interest in full. This first loan generated interest of one hundred and eighty-two thousand four hundred (182,400) francs. Taking into account the complexity of the operations in the field, collection costs were imposed and gave ninety-three thousand six hundred (93,600) francs. Thus the total interest and collection costs (182,400 F + 93,600 F) gives two hundred and seventy-six thousand (276,000) CFA francs.

Récapitulatif sur le 1er Crédit

Capital investi en crédit

1 200 000

Intérêts payés par les bénéficiaires

182 400

Frais de collecte des crédits

93 600

Total

1 476 000

3.1.2 Credit to the 2nd Group

This second credit was given on October 3, 2020 and benefited 60 people including 26 people out of 30 of the 1st credit and 34 new for a total amount of 2,560,000 F over six months as shown in the table below:

DESIGNATION

Nombre de bénéficiaires

Montant du crédit

Montant Total

Anciens bénéficiaires

6

60 000

360 000

Anciens bénéficiaires

4

50 000

200 000

Anciens bénéficiaires

16

40 000

640 000

Nouveaux bénéficiaires

34

40 000

1 360 000

TOTAL

60

 

2 560 000

Intérêts attendus

 

 

256 000

TOTAL (C+I)

 

 

2 816 000

These loans will generate a total amount of two hundred and fifty-six thousand (256,000) CFA francs in interest at the rate of 10%. These credits are still being reimbursed

3.1.3 Credit to the 3rd Group

One month after the loan to the 2nd group, thirty (30) people received loans totaling one million sixty thousand (1,060,000) CFA francs on October 31, 2020, to produce one hundred and six thousand (106,000) francs in interests.

DESIGNATION

Nombre de bénéficiares

Montant du crédit

Montant Total

Nouveaux bénéficiaires

16

40 000

640 000

Nouveaux bénéficiaires

14

30 000

420 000

TOTAL

30

 

1 060 000

Intérêts attendus

 

 

106 000

TOTAL (C + I)

 

 

1.166.000

 

3.2 CASH MANAGEMENT

3.2.1. The RISE Togo Bank Account

At the date of the audit, the A3 programme has on the account of RISE Togo the sum of one million nine hundred and seven thousand two hundred and sixty-five (1,907,265) CFA francs. The disbursement is made on the account of Rise Togo by 2 people: – Dr Milohum Mikesokpo DZAGLI, the 1st Manager of Rise Togo and – Mr. Alexis AKOTCHAYE, his deputy.

3.2.2 Procedure for collecting and depositing funds into the bank account.

Mr. AHIAKONOU Yawo receives the various reimbursements made on the credits received. These funds collected are then paid into an account in a microfinance institution on site in Agbélouvé. This account is opened in the name of Mr. DZAGLI. These funds are then transferred from this account to the RISE Togo account opened at Banque Atlantique; which causes transfer fees of six thousand (6,000) francs each month.

3.2.3 Keeping the cash register.

No assets are available in liquidity, everything is transferred to the bank account.

IV- RECOVERY

The 1st credit is fully reimbursed with interest. The 2nd and 3rd credits are in the process of being reimbursed, at the date of the audit, all reimbursements have been made normally, there has been no delay. The amounts received in reimbursement of the credits are paid into the bank account.

V- THE CHECKS CARRIED OUT

5.1- Verification of loan books and forms

Out of a total of ninety-two (92) notebooks made out to members, fifty-three (53) do not have a photo, ie more than half of the beneficiary members. This fact can lead to the risk of false beneficiaries. Likewise, not all notebooks are numbered in order of registration (risk of duplication). In addition, there is no entry of the credit amount in the book, only the reimbursement is included. The loan forms are fully completed and signed by the programme managers, the beneficiary and the witnesses, but without an identity photo.

5.2. Verification of refunds

All repayments are entered in the booklets in two copies, one of which is with the beneficiary of the credit. These reimbursements are also entered in the management file in Excel kept by Mr. DZAGLI. We observed that all the beneficiaries repay their loans well and without delay, but in the book there was no separation between the first loan reimbursed and the second being reimbursed.

5.3 Verification of expenditure

The expenses incurred relate to the payment of programme managers and the expenses necessary for the proper functioning of the programme.

5.3.1 Expenses on transfer funds HR&S-ACTION10

Of the funds transferred by HR&S / ACTION 10, apart from appropriations, two hundred and thirty-three thousand four hundred and thirty-five (233,435) francs were used directly to cover expenses including:
– Repair of the motorcycle of AHIAKONOU Yawo ………………. 150,000 F
– New phone at Yawo ……………………………………… 49.500 F
– Making a notebook for members ……………………………… 25,000 F
– Other expenses …………………………………………………… 8,935 F

Supporting documents for these expenses exist but are poorly classified.

5.3.2 Expenditure on interest received on credits.

On the credit of the 1st group, 182,400 F of interest is obtained. To this was added the collection costs 93,600 F or a total of 276,000 F. These funds were used as follows:

Désignation

Montant mensuel

Mois

MONTANT PAYE

1

Salaire de AHIAKONOU Yawo

35 000

6

210 000

2

Frais de communication de deux assistantes de Yawo

5 000

6

30 000

3

Frais de transfert du compte Agbélouvé à Lomé

6 000

6

36 000

 

TOTAL

 

 

276 000

The verification of Yawo’s pay slips make 187,780 F instead of 210,000 F and those assisting Yawo, namely Mesdames AHIAWONOU Adjo and KOGLO Filomène make 27,000 F instead of 30,000 F. There is therefore no compliance with the expenses actually performed. The transfer fees are withdrawals from the account, so no receipt; it’s correct. It should be noted that the interest that will be received on the 2nd and 3rd credits will be used to pay the programme manager Mr. AHIAKONOU Yawo.

VI- OBSERVATIONS

• The year-end report produced by the programme managers does not take into account the amounts of credits granted to the 2nd and 3rd groups
• Regarding the management of credits, apart from the 10% regulatory, those in charge of the A3 programme have instituted collection costs of 130F for the 1st group and 115F for the 2nd and 3rd group per week and per beneficiary, which in reality increases the cost of credit, which penalizes the beneficiaries.
• The supporting documents for expenses are messy.
• Women’s complaints: They want the new loan after the actual repayment of their loans to last only one to two weeks in order to preserve their activities. They ask for an increase in the credit ceiling limited to 70,000 F to 100,000 F minimum.
• Many alumni who had worked with SEVIE want to join the programme. The financial envelope for programme A3 should therefore be increased.
• The report published by the persons in charge of the A3 programme is in English whereas we are in a French-speaking country this can be assimilated to an obstacle to our mission.

VII- RECOMMENDATIONS

In view of all of the above, the mission makes the following recommendations:

7.1. IN RESPECT OF CREDIT MANAGEMENT

– Paste a photo on the membership cards to be able to identify all the beneficiaries by name
– Enter credit repayments separately by page or by sheet for more readability in order to make repayment checks easier.

7.2 IN RESPECT OF FINANCIAL AND ACCOUNTING MANAGEMENT

– Consider opening an account in the name of the programme at AGBELOUVE in order to avoid transfer fees of 6,000 F per month.
– Systematically record the various operations and classify the accounting documents by type of operations carried out.
– Have Mr. AHIAKONOU Yawo sign the pay slips in time and the communication costs to his assistants.
– Prepare a monthly statement allowing regular monitoring of credits and payments on the account;
– Simply abandon the collection costs imposed.
– That the coach-accountant also play the role of internal controller.

7.3 – IN RESPECT OF THE ADMINISTRATIVE ORGANIZATION

– Now present reports in French before any transcription.
– The annual report must take into account all credit transactions for the year.
– Develop a small manual of administrative and financial procedures

7.4 – OTHER RECOMMENDATIONS

– Add additional funds to deal with the files of new applicants awaiting credit.

CONCLUSION

The mission went smoothly and without any obstacles. Overall, the verifications proved that the documents presented conform to reality and the management is acceptable, but only the annual report presented did not take into account the figures for the appropriations of the 2nd and 3rd group. We hope that the recommended recommendations will be taken into account for an optimal improvement of the management of the A3 program.

Done in Lomé, February 18, 2021

Alexis AKOTCHAYE
Auditor

FINANCIAL PROPOSAL FOR 2021

By Dr Milohum Mikesokpo DZAGLI, (Assoc. Prof.)
President, Leaders & Development (L&D)

From the annual report and the auditor report, we would like to define the following plan for this year 2021. As results from some recommendations, M.  AHIAKPONOU Yawo and I suggest this budget for the year 2021.  The first group ended on 18th march, 2021 and the last group will end one month  later, so it will be good to set the next stage. For this, M. AHIAKPONOU Yawo made a survey on the expectation of women concerned by the programme.  From this, 38 women set their applications to be involved in the programme and  all the last promotion participants requested of an upgrading of their capital if the  occasion will permit. The increasing of the old capital ranges from 10,000.00 to  20,000.00 FCFA each.  With this idea, loans will range from 40,000.00 FCFA (60 euros) to 70,000.00 FCFA (105 euros) each for 24 weeks from 1st may to 31st October 2021 (almost 6  months).

The capital balance at the end of the passed stage is 3,521,615.00 FCFA (5,369.00 euros). The total capital to be invested for the programme A3 on the field to the  128 future loan takers is 6,260,000.00 FCFA (9,544.00 euros). The amount to be  requested from ACTION10 equals to 3,558,260.00 FCFA (5,425.00 euros) comprised of the capital needed to add of 2,738,385.00 FCFA (4,175.00 euros),
the coaches’ emulations for 2021 of 787,080.00FCFA (1,200.00 euros) and the  bank transfer fees from ACTION10 to the account of the Rise Center Togo of  about 32,795.00 FCFA (50 euros). If this is achieved, no collection fees will be requested from the target people. The 10 % will be sufficient to cover the management of the programme such as:
M. AHIAKPONOU Yawo: 75,000.00 x 6 = 450,000. 00; Mme DALOR Yawa: 7,500.00 x 6 = 45,000.00; Mme DJENE Kossiwa: 7,500.00 x 6 = 45,000.00; Money  Transfer & communication = 86,000.00, Total = 620,000.00.

Rise Center Togo – bank account  BANK NAME: BANQUE ATLANTIQUE TOGO ACCOUNT HOLDER: AKOTCHAYE ET DZAGLI IBAN: TG53 TG13 8010 0404 1471 6000 0347FINANCIAL PROPOSAL FOR 2021

TOTAL 3620000 6260000ITEMS FCFA EUROS
RECAP
I. INITIAL CAPITAL 3,620,000.00 5,519.00
II. DEPENSES  (AUDITOR) 98,385.00 150.00
III. BALANCE 3,521,615.00 5,369.00
1. FINAL  CAPITAL 3,521,615.00 5,369.00
2. NEW  CAPITAL  EXPECTED 6,260,000.00 9,544.00
3. CAPITAL NEEDED 2,738,385.00 4,175.00
CAPITAL FOR  NEW LOANERS 1,560,000.00 2,378.00
4. AMOUNT OF  UPGRADING 1,080,000.00 1,647.00
5. COMPLEMENT 98,385.00 150.00
6. BANK  TRANSFER  FEE ± 32,795.00 ± 50.00
7. COACHES  (2021) 787,080.00 1,200.00 AUDIT 300.00 COACHES (225*4) 900.00
TOTAL 3,558,260.00 5,425.0

 
 
unsplash - water pattern

Ordre Identity Villages Start Date Date of  end Initial  Investissement New Investissement – upgrading
1. AGBEVE Yawavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
2. AMOUSSOUVI Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
3. KLUKPOE Akouavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
4. WOGBAGAN Kafui KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
5. AWANGAN Amavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
6. KOTA Sousane KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
7. TSOMADJO Abra KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
8. KPATA Morotowa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
9. AGBELENKO Adjovi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
10. DUNKU Dovi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
11. KPANKPANDEMA Meza KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
12. EDOH Ablavi AGBELOUVE 03/10/2020 18/03/2021 40000 50000
13. NAPO Akossiwa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
14. ATANDEMA Akuyo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
15. TIKINTO Essi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
16. AKPAMOGBO Akou KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
17. SEGBE Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
18. SIKA Abravi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
19. KLOUTSE Akossiavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
20. EDJA Sena AGBODJEKPOE 03/10/2020 18/03/2021 40000 50000
21. KOTSO Woevi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
22. TEVI Massa AGBODJEKPOE 03/10/2020 18/03/2021 40000 50000
23. DAYILOR Yawa AGBODJEKPOE 03/10/2020 18/03/2021 40000 50000
24. TOUN Akossiwavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
25. NYADEDJO Adjo FOULANIKONDJI 03/10/2020 18/03/2021 40000 50000
26. AMOUZOU Delali KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
27. SETOWOU Ami KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
28. AKAI Amavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
29. AGBESSIME Adjowa AGBELOUVE 03/10/2020 18/03/2021 40000 50000
30. AYITE Della KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
31. AGBOZOADZEGAN Afiyo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
32. DOTSE Abravi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
33. KODEGUI Mangui AGBELOUVE 03/10/2020 18/03/2021 40000 50000
34. KODEGUI Ami AGBELOUVE 03/10/2020 18/03/2021 40000 50000
35. SOWUBO
Honorine KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
36. KODZO Kuya KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
37. WOGBAGAN Messavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
38. ALIMO Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
39. MBOM Marthe KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
40. FANWOU Julienne KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
41. DEGBEVI Yawo Akofa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
42. GOSSOU Ablavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
43. DOUNOUGLO Yawa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
44. DUNKU Massadje KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
45. SAVI Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
46. GBOUDOU Akossiwa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
47. NAGBADJA Boumpoua KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
48. ATTITSO Dovi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
49. KLAKEVI Odette KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
50. KAZARO Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
51. KODEGUI Akouavi
Christine AGBELOUVE 03/10/2020 18/03/2021 60000 70000
52. KODEGUI AGBO Amavi AGBELOUVE 03/10/2020 18/03/2021 60000 70000
53. DZENE Akossiwa AGBELOUVE 03/10/2020 18/03/2021 60000 70000
54. KOGLO Filomene FOULANIKONDJI 03/10/2020 18/03/2021 60000 70000
55. AHIAWONOU Adjo
Martine FOULANIKONDJI 03/10/2020 18/03/2021 60000 70000
56. FETSE AfI KOTSOKOPE 03/10/2020 18/03/2021 60000 70000
57. AHIAKONOU Yawo AGBODJEKPOE 03/10/2020 18/03/2021 50000 70000
58. KLOUKPOE Mole KOTSOKOPE 03/10/2020 18/03/2021 50000 70000
59. ABALO Abra KOTSOKOPE 03/10/2020 18/03/2021 50000 70000
60. ADJALAM Yawa KOTSOKOPE 03/10/2020 18/03/2021 50000 70000
61. ADZOTSA Afia KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
62. KETEMEPI Akouvi AGBELOUVE 03/11/2020 18/04/2021 30000 50000
63. ABALO Akossiwa KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
64. ABALO Afi AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
65. SAVI Abouya KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
66. DJIDJONOU Ama KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
67. DUNKOU Essi KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
68. FIOEGBE Adjovi AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
69. AWOUKOU
Akossiwa AGBELOUVE 03/11/2020 18/04/2021 30000 50000
70. KPATEKA Amavi KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
71. FETSE Yawo AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
72. FOFOE Akouvi AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
73. KEKESSI Akou AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
74. AMEKO Ami AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
75. AWUNU Essi AKAKOTSOKOPE 03/11/2020 18/04/2021 40000 50000
76. ABALO Abrayo AKAKOTSOKOPE 03/11/2020 18/04/2021 40000 50000
77. ABALO Akouavi KOTSOKOPE 03/11/2020 18/04/2021 40000 50000
78. ATIGNO Bebe BATOUME 03/11/2020 18/04/2021 40000 50000
79. DOAMEKPOAbra AGBODJEKPOE 03/11/2020 18/04/2021 40000 50000
80. AZIANOU Yawa KPEI 03/11/2020 18/04/2021 40000 50000
81. KOUWONOU Ami TREKPEDJI 03/11/2020 18/04/2021 40000 50000
82. KAZARO Meliwata AKAKOTSOKOPE 03/11/2020 18/04/2021 40000 50000
83. AZIANYO Essi AGBELOUVE 03/11/2020 18/04/2021 40000 50000
84. SAPE Adjo AGBELOUVE 03/11/2020 18/04/202
1 40000 50000
85. ABALO Katherine KPEI 03/11/2020 18/04/2021 40000 50000
86. AYIBOKOU AMI AGBELOUVE 03/11/2020 18/04/2021 40000 50000
87. DAYO Afi Woetcha AGBELOUVE 03/11/2020 18/04/2021 40000 50000
88. ZIGAH Akoua TOKPO 03/11/2020 18/04/2021 40000 50000
89. AGBOMADJI Ami AGBELOUVE 03/11/2020 18/04/2021 40000 50000
90. SODOGA Kossiwa AGBELOUVE 03/11/2020 18/04/2021 40000 50000
91. New loaner 40000
92. New loaner40000
93. New loaner40000
94. New loaner 40000
95. New loaner 40000
96. New loaner 40000
97. New loaner 40000
98. New loaner 40000
99. New loaner 40000
100. New loaner 40000
101. New loaner40000
102. New loaner 40000
103. New loaner 40000
104. New loaner40000
105. New loaner40000
106. New loaner40000
107. New loaner 40000
108. New loaner40000
109. New loaner40000
110. New loaner 40000
111. New loaner40000
112. New loaner40000
113. New loaner 40000
114. New loaner40000
115. New loaner40000
116. New loaner 40000
117. New loaner 40000
118. New loaner40000
119. New loaner40000
120. New loaner 40000
121. New loaner 40000
122. New loaner 40000
123. New loaner 40000
124. New loaner  40000
125. New loaner  40000
126. New loaner 40000
127. New loaner40000
128. New loaner40000

Impact assessment

Survey Manual

  • Compile tesimonies.
  • Make individual interviews.
  • Perform group discussions.
  • Take photos, take videos.

Preparations
Involve the full coaching team in identifying individual questions and group questions.

Make four field-visits
Visit No ONE – Five programme villages:
1. Ask the individual survey questions
2. Call for group meeting and ask the group questions.
3. Ask a few individuals for testimonies.
4. Take photos and video.
Compile results and call for groups asssessment

Draft individual survey Questions

  • NAME & FIRST NAME OF WOMAN
  • ADDRESS / Tel REGION PREFECTURE / CITY CANTON
  • NAME & FIRST NAME OF COACH
  • TYPOLOGY (various studies)
  • PERFORMANCE LEVEL OF THE CARRIER
  • Title of the activity activity in extension start-up activities
  • Start date of coaching
  • Monthly income without the HR&S / A10 project
  • Effective start date of the activity
  • Duration of operation
  • Sum disbursement
  • Monthly turnover (Write the monthly turnover for each month so that we can see the progress)
  • Net cash flow or Self-financing capacity (CAF) (Write the CAF for each month so that we can see the progress)
  • Savings made
  • Assessment of the evolution of the activity compared to the PA (Good performance, average performance, poor performance, performance in decline, performance in progress, etc.)
  • Comment on performance (Identification of the strengths and weaknesses of the carrier, the opportunities and threats, training received, etc.)
  • Proposal for a solution approach (to strengthen the strengths and reduce the weaknesses by exploiting the opportunities and bypassing the threats)
  • State of implementation work of the or each recommendation (To be completed within a month after the recommendations made).
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Survey team

Survey coach from the RISE Centre: Elisabeth DRAFOR
Programme manager: M. YAWO

Control

As control we benefit from three neighbouring villages that where not yet involved with the programme.

Survey sample

  1. Each programme village
    • Each member the programme.
    • A number of villagers (maybe five) that were not member of the programme.
    • The village leaders.
    • Other stakeholders.
  2. Five control villages
    • A number of villagers (maybe five-ten) that were not member of the programme.
    • The village leaders.
    • Other stakeholders

Testimonies

Milohum October 2020: During my next visit, I will insist on the sustainability aspect because it difficult in these villages.
Milohum October 2020: Yawo is in favour of the programme and willing to work hard for it. Because it helps people to do something and get money for all the family.
Milohum October 2020: Yawo informed about that a cooperative bank came to propose a loan to some people in the village, but the offer of A10, was the best.

 

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