CED%20Program%20Profile%202012%20WEB4

COMMUNITY ECONOMIC DEVELOPMENTPROGRAM PROFILE 2012

equipping churches to transform communities

AR2011

ENLACE uses the loan application process to track the impact of the loan on a business and house-hold. We track the following indicators:

Monitoring and Evaluation

Impact on household wealth and investmentHealthEducationHousingFood

Business IndicatorsPro�tReturn on investmentSalesInventoryFixed asset formationNumber of employeesOwnership of store

PROGRAM OVERVIEW

El Salvador, located in Central America with a population of 6.1 million, is one of the poorest countries in the western hemisphere. Approximately 34% live below the poverty line. In rural areas where most people rely on small-scale farming to survive, 19% of the rural population lives on less than $1 per day and 24% live on less than $2 per day.

ENLACE's Community Economic Development program (CED) provides small-scale entrepreneurs and farmers training, technical assistance, �nancing, and links to markets to start or expand business ventures at the individual, community and regional levels.

Economic, environmental and social challenges are interdependent, complex and ever-changing. ENLACE recognizes that each community has di�erent resources, knowledge, experiences and access to markets. Therefore, ENLACE trains church and community leaders to identify local resources and markets to generate economic opportunities at the individual, community and regional level. The program also works to link economic initiatives to other critical issues in the community such as housing, health, and education.

#1 DEVELOP LEADER CHURCHES *

#2 BUILD THE ORGANIZATIONAL CAPACITY OF COMMUNITY ASSOCIATIONS *

#3 ERADICATE EXTREME HUNGER AND POVERTY *

#4 IMPROVE ENROLLMENT RATES AND INCREASE ACCESS TO EDUCATION

#5 ASSURE LOCAL ENVIRONMENTAL SUSTAINABILITY AND BOLSTER COMMUNITY HEALTH *

#6 IMPROVE INFANT AND MATERNAL HEALTH * #7 PREVENT THE SPREAD OF INFECTIOUS AND VIRAL DISEASES

#8 STRENGTHEN COMMUNITY INFRASTRUCTURE

*Outcomes directly a�ected by CED program

ENLACE’S EIGHT CORE OUTCOMES

ENLACE equips church and community leaders to develop programs and projects that target eight community transformation outcomes. Five of the eight outcomes are directly a�ected by the implementation of CED projects.

KEYS TO CED SUCCESS

HOLISTIC

MULTI - SECTOR

MULTI - LEVEL

The CED program is an integral and important component of ENLACE’s community transformation approach. Since 1993, ENLACE has trained and resourced church and community leaders to alleviate spiritual and material poverty in El Salvador. The CED program is one of ENLACE's four main programs which include Church and Community, Housing and Infrastructure, and Healthy Communities.





PROGRAM SERVICES

The CED program has two primary components: agricultural assistance and micro-enterprise development.

AGRICULTURAL ASSISTANCE

Stage 2: Crop Diversity and Increased Income

In this stage, ENLACE works with church and community leaders to select the types of products they would like to grow to increase their caloric intake such as vegetables, fruits, �sh and poultry. The program also trains farmers in soil prepa-ration techniques, e�ective seed planting, the making of organic pesticides and fertilizers, harvesting crops, and seed selection and storage.

During the second stage, ENLACE encourages farmers to diversify their production of vegetables, fruits, �sh and poultry both to reduce malnour-ishment as well as to generate income with high-value, cash crops. ENLACE works with local leaders to identify which crops are consumed locally or have a strong local or regional market. At this stage, the CED program assists farmers to improve their stock of seeds and provides additional technical assistance. The program also develops and strengthens local farmer associations and provides credit when needed.

In the third stage, ENLACE further strengthens local farmer associations and committees to build relationships and networks outside of the community with public and private entities to increase production and expand into regional or national markets. ENLACE provides coaching and in some cases start-up/venture capital to expand social enterprises or business ventures.

Stage 1: Increase Agricultural Productivity and Caloric Food Security

Stage 3: Strengthening Organizational Capacity and Expanding Markets

ENLACE works primarily in rural and semi-rural areas where hunger is one of the most pressing needs. The primary aims of the CED program are to increase agricultural production, improve the quality of food products, increase access to food, and reduce malnutrition and micronutrient de�ciencies. Upon meeting the primary nutritional needs of a family, the program aims to strengthen the capacity of farmers to generate income through agricultural activities and to improve markets for agricultural products. Agricultural assistance is provided within three stages:

#1 DEVELOP LEADER CHURCHES *

#2 BUILD THE ORGANIZATIONAL CAPACITY OF COMMUNITY ASSOCIATIONS *

#3 ERADICATE EXTREME HUNGER AND POVERTY *

#4 IMPROVE ENROLLMENT RATES AND INCREASE ACCESS TO EDUCATION

#5 ASSURE LOCAL ENVIRONMENTAL SUSTAINABILITY AND BOLSTER COMMUNITY HEALTH *

#6 IMPROVE INFANT AND MATERNAL HEALTH * #7 PREVENT THE SPREAD OF INFECTIOUS AND VIRAL DISEASES

#8 STRENGTHEN COMMUNITY INFRASTRUCTURE

*Outcomes directly a�ected by CED program

ENLACE tracks and evaluates the following indicators:

Production levels for each crop Caloric and nutritional intake Health-related growth measurements (height, weight, etc.)


Income generated from the sale of cropsLevel of food security





“Despite their �nancial limitations, they are motivated...Together they have raised their own funds to buy start-up materials and distribute them...They're so thankful for the support that we are giving.”

Alejandro Perez, ENLACE Agronomist

Participants learn how to make their own organic fertilizer and pesticides to reduce the costs of production and improve the health of the soil

“These projects have increased our self-esteem...and the way we relate to one another. We’re allmore united.” -Lilian Arevalo caring for her tilapia pond

AGRICULTURAL ASSISTANCE 2010

161 HOME GARDENS

18 TILAPIA PONDS

18 POULTRY ENDEAVORS

1,182 PEOPLE BENEFITED

197 FARMERS TRAINED

9 FARMER GROUPS STARTED IN 7 COMMUNITIES

240 HOME GARDENS

24 TILAPIA PONDS



282 FARMERS TRAINED


430 HOME GARDENS

65 TILAPIA PONDS



530 FARMERS TRAINED


AGRICULTURAL ASSISTANCE 2011 AGRICULTURAL ASSISTANCE 2012





MICRO-ENTERPRISE DEVELOPMENTSince 1996, ENLACE has helped to start or expand over 3,000 small businesses by providing credit and training to micro-entrepreneurs and farmers. Over the last �ve years, the program has maintained an excellent loan repayment rate of 99% and has been able to circulate over 1,200 loans for a total amount of $1,457,000. Such success is attributed to the hard work of the entrepreneurs who have received credit and training from ENLACE.

In 2000, ENLACE helped start a credit union called CREDATEC. CREDATEC is a limited liability corporation registered in El Salvador. CREDATEC was created to manage all �nancial and capital assistance to micro-entrepreneurs. ENLACE has established a trust fund in CREDATEC to on-lend to qualifying micro-entrepreneurs. An independent credit union provides the appropriate legal structure needed while also separating credit and �nancial decisions and operations from ENLACE, the local church and community associations.

ENLACE’s micro-enterprise development assistance includes two components:

Loans

Business Training and Coaching

ENLACE recognizes that for an economic opportunity to succeed loan amount and terms need to �t the business’ needs. Too little or too much credit with di�cult repayment periods will hinder growth of a business. Therefore, ENLACE performs detailed studies of both the prospective client’s businesses and household income and expenses. Through helping them construct a balance sheet, income statement and cash �ow statement, we can determine their businesses’ capacity to incur debt and how best to �nance their activities.

We also evaluate their household income and expenses to understand the real amount they can a�ord to pay, how often and at what terms. The loans are disbursed to the client and their repayments collected at local banks. In addition, all clients are required and/or encouraged to contribute to a savings account.

ENLACE also provides training and coaching to clients who desire and are able to grow their businesses. Clients who qualify will receive coaching on how to improve their businesses and/or other economic activities. We believe that coaching is just as important as the actual loan and emphasize its importance to our members.

Clients often use loans to diversify the products they sell





“When you are taught how to manage your resources well, you can live without troubles.”-Carlos CruzPastor, Pig Farmer and Credit RecipientPanchimalco

Low-interest loans and training give entrepreneurs the help they need to startor expand their businesses

MICRO-ENTERPRISE DEVELOPMENT 2010



199 LOANS

$241,570 TOTAL AMOUNT OF LOANS CIRCULATED

99% LOAN REPAYMENT RATE

282 LOANS



300 LOANS







equipping churches to transform communities

2015 VISION

In addition to their loan payments, loan recipients also contribute to a savings account so they can work o� of their own capital when the loan is repaid

AGRICULTURAL ASSISTANCE 2015

1,350 HOME GARDENS

300 TILAPIA PONDS



4,300 FARMERS TRAINED

50 FARMER GROUP STARTED IN 37 COMMUNITIES


585 LOANS



200 PEOPLE TRAINED AND COACHED

“These projects have changed our lives ...[They] help to alleviate economic prob-lems and provide great enjoyment! I’m happy and eager to continue. There’s no way I’m turning back!” -Pastor Felix Amaya





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