Post on 29-Jan-2016
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Harbu Micro Finance Institution: Established in 2005 and is affiliated to Facilitator for Change (NGO). Harbu MFI aims at boosting agricultural productivity and agricultural marketing by supporting value chain development and access to financial services. Harbu currently operates in 13 Branches Having 17,000 clients operationally sustainable with OSS by 127% and the PAR to the level of <1%
Facilitator for Change (FC): a national NGO established in 1998 that works with disadvantaged communities overcome their poverty. It focuses on enabling them to improve their livelihoods using their own resources, skills and experiences, with minimum external support.
FC currently has eight projects in Oromia and Amhara states in Ethiopia. It is heavily involved in value chain promotion, especially on soybeans. So far it has organized about 5,000 farmers into 64 farmer marketing organizations. It promotes soybean value chain in Jimma zone.
MAIN CHAIN SUPPORTERS
Smallholder farmers: Soya producers in Kersa, Tiro Afeta and Omo Nada of Jimma zone
Farmers’ marketing organizations (FMOs): 30 FMOs consisting of 2,570 (18% female)
Women Groups (CLA): Women groups organized into SHG/CLA in Jimma town (219 members)
Tsehaye Abebe: An entrepreneur in Jimma town
Consumers: Jimma University, cafeterias and restuarants
OVERVIEW OF MAIN CHAIN ACTORS
FUNCTIONS AND CHAIN ACTORS
Processing and wholesaling
Collection and storage
Production
Consuming
Main functions
Retailing
CHAIN SUPPORTERS AND ENABLERS
/PROMOTER
FC, Gov, Research and Harbu
FC, Gov. , Coop. & Harbu
FC, & Harbu
Tsehay Aabebe
5 FMOs
Kera CLA
Producers
Main actors
Women CLAs
Smallholder farmers
JU Students &Dwellers
FMOs
Retailers
Harbu’s Loan products across the chain actors
Actors
Products
Purpose
• Lease financing • Working capital loan
• Processing machine
• Working capital• Stocking
Stocking&Semi-processing
Purchase of inputs
Agricultural loan bullet payment
loan: payments made at harvest time
Working capital loan
Short term & installment payment
Technical, information and seed capital
Financing more than one
VC actor
HARBULimited funds for loans to meet the needs of different actors.
FARMERSLack of confidence to shift to new and commercial produces
Usually looking to down ward risks
Challenges
Ambition to take
external loan
Different loan term
and interest (internal vis-à-vis external)
Challenges of working with SHG/CLA
PARTNERS
Swiss hand