A3 Small-scale businesses in rural Togo

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 a 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. The business managers come together in a village group called an assembly, in which a president, a secretary and a counsellor is 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 is collective.

The first step was a pilot in Foulany Kondji in 2012. It gathered 30 women and grew successfully every year. The project in Foulany Kondji 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. 

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.

Outcome

During the first years of the programme the business owners paid back at the level of 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.  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

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 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 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. At the end of this project, 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 and 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. 

Target partners

The villages

  1. Foulani Konji. Start August 2012. Restart 2020.
    Following the pilot-project, 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

Strategy for Change

Vision

Women in the villages have financial autonomy.

Ambition

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

Outcome challenges

  1. The businesses are at a too small scale. The profit is used directly to feed the family.
  2. Lack of long-term planning.
  3. Farming is not profitable. The weather is not good enough. It does not generate income.
  4. Covid19 decreases the opportunity for contact and sale.

Activites

  1. Workshop with the women in order to help them to know how to manage their businesses. M DZAGLI visits them and teach them regularly during 2020.
  2. What can we do to support during the Covid-19?  A workshop on this, also ask for their ideas. Specially those who sell local drink use clean cups. Soap and water. Take away instead of serving. State of the art in other countries.
  3. How much more to give out in September? This is to increase the number. The ongoing will be followed during one year, to ensure trust, before giving out a second loan. 2000 Euro again.

Achieved Output

  1. M. Milohouh DZAGLI, HR&S coach,  worked with M. AHIAKPONOU Yawo to establish TRUST and RESPONSIBILITY. This was done through many phone calls and meetings early 2020.
  2. 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.
  3. 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.

Achieved Outcome

30 women 2,000 Euro in 1 Jan – 31 August 2020.  Paid back 2,200. Some will pay the coaches.

Expected outcome

  1. Sell products.
  2. Farming and sell the crop.
  3. Animal keeping (M Yawo).

 Progress markers

  1. 30 women in Jan and 30 women in September
  2. 100 % of the women pay back with interest.
  3. Whether the January businesses are sustainable in 31 Dec 2020, 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:

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

                                                                                     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

Reimbursement Management team: two ladies, FCFA 6,000 (Euro 9) per person and month.

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

 
unsplash - us

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

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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