AFC Worldwide October 2019 Edition - MEMBER OF GOPA CONSULTING GROUP - Agriculture and Finance Consultants
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AFC Worldwide
October 2019 Edition
MEMBER OF GOPA CO NSULT ING GR O UP
AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
AFC Worldwide
October 2019 Edition
AFC Agriculture and Finance Consultants GmbH is a private German consulting firm focusing on
agricultural, agribusiness and financial development projects in developing and transition countries.
AFC was established in 1973. In 2007, AFC became member of GOPA Consulting Group, Germany’s
largest group of consulting firms in development cooperation.
Our services for public organisations and private companies cover the whole range from primary
production to processing and marketing. AFC’s portfolio includes the institutional development of
microfinance organisations and banks, in order to provide sustainable credit and savings systems.
AFC © 2019 / Photos by AFC, associates and iStock
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
EDITORIAL
In most cases, editorials of private firms start with the presentation of the turnover and we are proud to announce that AFC’s turnover Currently, AFC is active in about 40 countries and cooperates with other companies of the GOPA Group, our strategic partners DLG
increased to 29 Million Euros in 2018 and an additional 2 Million Euros for our affiliate companies in Central Asia and Morocco. International in Frankfurt and the Academy of German Cooperatives (ADG) in Montabaur. With 59 projects, including the Middle
East and North Africa (MENA) region, the majority of projects are implemented in Africa, where AFC covers all regions of this
However, human resources and references are the main quality and potential indicators in the consulting business. Therefore, we important continent. Main donor agencies are still the German Society for International Cooperation (GIZ), German Development
thoroughly monitored the number of staff and experts under contract in May 2019. The following graph provides a clear overview Bank (KfW), European Union (EU)/ European Investment Bank (EIB), Federal Ministry of Food and Agriculture (BMEL), and Asian
of our manpower: Development Bank (ADB).
82 projects are implemented by about 750 people in project offices on site and 55 staff members in the headquarters in Bonn. As
PROJEC TS * 41 ** COUNTRIES
82 PROJECTS AFC is focusing only on agriculture and financial sector development, specialized project managers are active in our headquarters. In
order to deal with daily challenges in various locations we managed to adequately strengthen our team of project managers (senior
consultants and young professionals).
In January 2018, all GOPA Group companies introduced the new software “Maconomy”for project management and administration which
aims to comply with current and future requirements of our donor agencies in terms of project administration and for full transparency. It
is important to acknowledge the hard work of the Finance and Contract Management team to implement the new system.
As GOPA Group improved their compliance system to the highest standards, a qualified and independent compliance office for the
management was needed. Wolfgang Schmitt took over this important position in the GOPA Group Holding and consequently, he
could not continue to act as Managing Director of AFC. As a gesture of gratitude, a farewell party was organized on 16 September
2018 to thank him for his strong and significant contribution to AFC’s development in recent years.
The main events of AFC in Germany for January 2019 are: Overseas, we contributed to the:
• 11th Financial Expert Day in Montabaur; • Field Day Visit of Federal Minister of Food and Agriculture Julia
47 11 10 2 12 •
•
3rd Agricultural Expert Day in Bonn;
Fair stand at the Global Forum for Food and Agriculture •
Klöckner and Delegation in China, June 2019;
EIB Eastern Africa SME and Microfinance Banking Forum in
AFRICA ASIA EUROPE/CIS LATIN AMERICA MENA (GFFA) in Berlin (annual participation for more than 20 Nairobi, Kenya, October 2018; and
years); and • Project visit of Minister Klöckner in Morocco, October 2018.
• Contribution to the 5th German –African Agribusiness
OFFICES STAFF Administrative International Forum in Berlin organised by the “Afrika Verein” in Berlin.
staff long-term experts
HEADQUARTER IN-HOUSE 139 92
55
BONN, After expanding our activities and adopting an integrated IT management system, AFC continues
GERMANY International
short-term experts to strengthen its corporate communication, adopted a new logo and moved to a more modern
142 energy-efficient office in September 2019 in Baunscheidtstraße 17, 53113 Bonn.
PROJECT ABROAD
OFFICES ABROAD National National long- We are looking forward to your visit in our new premises!
87 750 short-term experts
172
term experts
182
Johannes Buschmeier
Managing Director / CEO
* May 2019
**Armenia, Bangladesh, Benin, Botswana, Burkina Faso, China, Colombia, Côte d’Ivoire, Egypt, Georgia, Ghana, India, Jordan, Kenya, Kyrgyzstan, Lao People’s Democratic Republic,
Madagascar, Mali, Mauritania, Moldova, Mongolia, Morocco, Mozambique, Myanmar, Niger, Nigeria, Palestine, Papua New Guinea, Paraguay, Rwanda, Sierra Leone, South Africa, Sudan,
Tanzania, Thailand, Timor-Leste, Togo, Tunisia, Uganda, Ukraine, Zambia
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
THIRD ANNUAL AGRI-NET WORKING DAY
IN SEPTEMBER 2019, AFC MOVED AND DISCLOSED ITS EXCHANGING LESSONS LEARNED IN IC T FOR M&E
NEW LOGO TOOLS AND STRUC TURAL CHANGE IN AGRICULTURE
In September 2019, AFC moved into the main business district of Bonn. All of AFC’s 55 colleagues now enjoy a central AFC organised its third annual agri-networking day in January 2019 in Bonn. This year’s edition gathered AFC in-house
and climate-friendly workplace. staff and 17 experts working on projects around the world
THE LARGE AND OPEN OFFICE SPACE ALLOWS FOR A DYNAMIC WORKING CONCEPT WITH: The agri-networking day focused on two topics: based decision-making and accountability. Along these lines,
How ICT tools can best support monitoring and discussions continued on relevant indicators to monitor impact
1
evaluation; and in challenging areas such as job creation, quality of trainings, and
2 measuring structural changes in agriculture. income generation.
Individual working Co-working Large gathering space Meeting rooms of
stations space for socialising various sizes
The second day focused on the drivers of structural change,
The first day enabled AFC to discuss how digitalisation is i.e. external political, social, environmental, and economic
becoming a fundamental part of projects and how ICT tools have factors having an impact in the agricultural sector. It rapidly
In September 2019, in addition to moving to our new offices, the potential to support these projects. Several IT tools to oversee became clear that structural change factors are interconnected,
decided to modernise its logo. The new logo represents the success monitoring and evaluation indicators and to collect and process complex, and take time to influence. Working groups shared
of our two fields of specialisation. data from surveys were presented along with their advantage and good practices from their country of engagement which
disadvantage. The discussions enabled participants to rate and enabled deepen the discussions.
Changing address and logo is a process which takes time. We put rank these tools according to their user-friendliness, interoperability
everything in place to ensure that this process runs smoothly and with other tools, data analysis capacity, data security, and costs. With more than 90% of its staff working abroad, such event is
thank you for your patience and support. essential to strengthen AFC’s working relationships and always
It was largely agreed that digital tools are valuable but also require represents an excellent opportunity to exchange lessons learned
capacity to translate data into relevant information for evidence- from agricultural value chain projects around the world.
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
11 th FINANCIAL EXPERTS DAY
IDENTIFYING QUALIT Y STANDARDS FOR AFC TAKES AC TION FOR THE ENVIRONMENT
SUSTAINABLE AND IMPAC TFUL TRAININGS
ADG and AFC invited their long-standing international experts and trainers to the 11th Financial Experts Day (FED) on As climate change mitigation is becoming an ever more pressing issue, AFC has taken measures to minimise its potential
18 and 19 March 2019 at Montabaur Castle, ADG’s head office in Germany. This year’s theme is, “Identifying quality harmful environmental impact.
standards for sustainable and impactful trainings”.
Some of these mitigating measures are:
Training and capacity-building measures play a crucial role as the The second day started with a presentation of ADG and AFC’s
training quality often affects a project’s impact to the success of blended learning approach, complementing with the tried
most international projects jointly managed by AFC and ADG. and tested on-site training approach with web-based training
The FED provided a unique opportunity to exchange on quality elements, allowing for an even greater training impact while
criteria of various training aspects among the 30 participants of reducing costs for clients and donors. This learning approach will
AFC and ADG’s financial sector in-house staff, long-term experts ensure that the web-based training elements are modularised, Optimising the energy efficiency Strictly avoiding domestic flights Flying only in economy class
from ongoing projects, as well as selected training experts. designed according to the responsive design principles, and of its buildings
allow for maximum interaction between trainer and trainees.
On the first day, the participants recognised that trainings in
the banking sector require a tailor-made approach, which Another session covered a topic which is often neglected when
considers the principles of adult learning. Designing impactful preparing and implementing trainings and this is quantifying
trainings for banking professionals means that trainings should the training’s impact. What is its impact once the trainers
not only deliver technical knowledge but should empower have left and how can it be measured? With the experts’ and Combining visits to multiple projects Favouring modern video equipment Acquiring energy-efficient vehicle
in the same region for international project meetings
the trainees to apply these skills in their daily work in financial partners’ vast practical experience, an approach on how to
institutions. The participants insisted that trainings following a define a baseline, what to measure, and how to follow-up were
traditional classroom and lecture approach would unavoidably elaborated. The results of this session will be incorporated in
fail in achieving any sustainable impact. the training impact monitoring approach. In addition, for the sixth year in a row, AFC is compensating its CO2 The solar plant covers an area of 50 hectares and is equipped
emissions stemming from employees’ flights (275 tons for 2018). with 77,040 modules connected to the national grid, therefore
Through workshop sessions, the participants developed standards Like the previous years, the 11th FED benefitted substantially saving 25,000 tonnes of CO2 every year. The sale of carbon
and criteria that will be incorporated in a Code of Conduct / Style from the practitioners’ expertise and experience and will This year, our contribution will go to EcoAct’s (www.eco-act. credits is funding investments in the local community to
Guide for Trainers to ensure high training quality. Discussion contribute to AFC and ADG’s refined training approach. We com) solar photovoltaic project in Senegal. With over 43% of improve living conditions. The project will benefit an estimated
included how to mix training methods and media, how to visualise would therefore like to thank our experts and partners and are the population without access to electricity, the country runs 160,000 people and save the government a decent amount of
PowerPoint presentations and flipcharts, as wells as methods to looking forward to more successful cooperation in the future. on carbon dioxide- (CO2) intensive and expensive fuels such as US$ 5 million per year.
sustain and keep motivation high throughout the training. diesel, coal, and gas.
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
AFC PROJEC T SELEC TION
KEY
Project
Agriculture & Agribusiness Project
Financial Sector Development Project jph
Sub-Saharan Africa
MENA
Eastern Europe & CIS
Asia
Rwanda • page 23 Uganda • page 24
South America Support to Development Training on the Credit
Bank of Rwanda’s Agricultural Reference System for banks
Finance Strategy and participant institutions
Donor: AATIF Donor: KfW
Budget: € 97.700 Budget: € 620.000
Duration: 08/2018-09/2019 Duration: 03/2018-12/2018
Morocco • page 12 Tunisia • page 13 Egypt • page 14 Benin • page 15 Benin • page 16 Uganda • page 25 Madagasar • page 26 Botswana • page 28 Eastern Europe • page 29 Ukraine • page 31
A public interest group for the Training of Trainers in Value Nationwide Financial Inclusion Securing land and I know the map of my village! Promotion of financial A structuring project for Transboundary Use and Growing small businesses EU-Ukraine trade relations
sustainability of the CECAMA Chain Development Survey for evidence-based infrastructure access for inclusion for refugees nutrition and value chains Protection of Natural Resources: through better microfinance gaining pace for second phase
policies marginalised farmers and Tourism Support Underway
women Donor: BMZ
Donor: BMEL Donor: GIZ Budget: € 1.800.000 Donor: EIB Donor: EU Donor: GIZ Donor: EIB Donor: BMEL
Budget: € 966.000 Budget: € 545.700 Donor: GIZ Donor: KfW Duration: 07/2016-11/2019 Budget: € 9.300.000 Budget: € 2.800.000 Budget: € 1.100.000 Budget: € 2.000.000 Budget: € 1.800.000
Duration: 01/2019-12/2020 Duration: 08/2017-05/2019 Budget: € 1.200.000 Budget: € 2.477.000 Duration: 05/2014-05/2020 Duration: 11/2018-05/2023 Duration: 02/2019-01/2021 Duration: 01/2019-12/2021 Duration: 01/2019-12/2021
Duration: 02/2019-04/2020 Duration: 09/2015-09/2019
Niger • page 17 Togo • page 18 Nigeria • page 19 Nigeria • page 20 Nigeria • page 22 Kyrgyz Republic • page 33 India • page 35 Bangladesh • page 37 China • page 38 Lao PDR • page 39
Contribution to the Land Use Support for the financing of Promotion of agriculture finance Nigeria aims for agricultural AFC reinforces its presence in AFC implements Housing Developing coping strategies AFC and the WB improves Sino-German Crop Production SME Access to Finance
Planning Scheme for a global agricultural value chains for agri-based enterprises in mechanisation by adapting the Nigeria Finance Programme for climate change and Bangladesh’s financial sector and Agrotechnology
vision of development rural areas SME Loop women empowerment stability Demonstration Park
Donor: EU Donor: GIZ Donor: GIZ Donor: GIZ-BMZ Donor: GIZ Donor: KfW Donor: GIZ Donor: WB Donor: BMEL Donor: WB
Budget: € 8.000.000 Budget: € 1.000.000 Budget: € 2.290.000 Budget: € 6.000.000 Budget: € 3.400.000 Budget: € 120.000 Budget: € 7.770.000 Budget: € 1.400.000 Budget: € 2.290.000 Budget: € 385.000
Duration: 03/2018–11/2021 Duration: 05/2017-10/2020 Duration: 11/2018-07/2020 Duration: 01/2018–09/2021 Duration: 02/2019–02/2022 Duration: 01/2019-06/2020 Duration: 04/2015-03/2021 Duration: 06/2019-09/2020 Duration: 08/2015-07/2018 Duration: 05/2018-03/2019
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
A PUBLIC INTEREST GROUP FOR THE SUSTAINABILITY OF TRAINING OF TRAINERS IN VALUE CHAIN
THE CECAMA DEVELOPMENT
MOROCCO TUNISIA
Four organisations signed an agreement to guarantee the sustainability of the Centre of Excellence for Agricultural AFC organised the first Training of Trainers (ToT) in the assembly of agricultural and agri-food value chains (AVC) in
Advice in Morocco and Germany (CECAMA) on April 2019 at the Salon International de l’Agriculture au Maroc (SIAM). Tunisia from 8 April to 4 May 2019.
CECAMA is a joint initiative of the German and Moroccan Ministries
of Agriculture that started in 2013. The centre entered its third
Moroccan Cooperative for Rural Development and the CECAMA
association, which brings together the companies that support 12 DAYS
from the public
sector, farm labour
organisations, and
FOCUS
Promotion of
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phase of activities at the beginning of 2019 and will continue to do the centre - now form the International Centre of the Moroccan private advisors in the agricultural
so until December 2020. Agricultural Council. While the contribution of the four founding agriculture and and agri-food
SESSIONS PARTICIPANTS
agri-food services value chains
members of the GIP is set out in the agreement establishing it,
German bilateral cooperation projects (BMEL) are hybrid in nature the members will nevertheless only release their budgets if they
because they are state-owned projects with cooperation between consider that CECAMA has a return equivalent to this amount.
two states and also include financing of private companies. Therefore, in the current situation, the aim is to make the structure Through this activity, the project aims to consolidate the
Meanwhile the question of the takeover of the centre at the operational and to prove the usefulness of the centre for its achievements in the assembly and promotion of value chains
end of the project by a state institution or a private organisation members. In addition, if the evaluation shows a positive result, and to strengthen the capacity of the partner and a set of
has emerged since the very beginning of the project. From the two additional years may be financed by German cooperation. In jph direct and indirect actors; and then transfer and disseminate
beginning of the year, CECAMA has been seeking to define and addition, the centre is now called upon to acquire other funding this approach in a wider dimension through the participants
strengthen its governance to ensure that activities continue after through the provision of services for other entities. With this in trained from the sessions.
the end of German funding. mind, the centre is currently discussing with the COSUMAR sugar
factory for the provision of advisory services to sugar beet growers. This activity is within the framework of the project, “Promotion
The formula of a public interest grouping (GIP) appeared to be of Sustainable Agriculture and Rural Development in Tunisia
the most appropriate solution after a series of consultations. This A project to promote rapeseed cultivation through the (PAD II)”, implemented by the GIZ in partnership with the
makes it possible to create an organisation halfway between a installation of demonstration platforms is one of these self- Ministry of Agriculture, Water Resources and Fisheries. Within
state institution and a private organisation. To this end, two public financed projects. This project is funded by the European Union this project, AFC in partnership with IDC implements the
institutions, the National Office of the Agricultural Council and the and implemented in partnership with Agropole France and the component on the promotion of export-oriented agricultural
National Institute of Agricultural Research; and two associations, the Fédération interprofessionnelle des Oléagineux (FOLEA). and agri-food value chains.
FOR FURTHER INFORMATION FOR FURTHER INFORMATION
PLEASE CONTACT: PLEASE CONTACT:
Training of Trainers of agricultural and agri-food value chains
Political dialogue between the Susana Zschocke Klaus Goldnick Noelie Svara
Moroccan and German Ministries ... and signing of the founding Susana.Zschocke@afci.de Klaus.Goldnick@afci.de Noelie.Svara@afci.de
of Agriculture ... treaty of the GIP
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
NATIONWIDE FINANCIAL INCLUSION SURVEY FOR SECURING LAND AND INFRASTRUC TURE ACCESS
EVIDENCE-BASED POLICIES FOR MARGINALISED FARMERS AND WOMEN
EGYPT BENIN
AFC launched a new financial inclusion project targeting individuals, especially women, and Micro, Small, and Medium Development projects often face the challenge that traditional users of poor quality lands are marginalised once a
Enterprises (MSMEs) in Egypt in February 2019. development project rehabilitates the lands or provides new infrastructure. This is especially the case when formal
land ownership is non-existent. To prevent eviction in Northern Benin, AFC has supported the development of new
institutional tools to protect the rights of land users.
The study constitutes the first national representative financial
inclusion survey in Egypt and is seen as an important milestone Expected outcomes:
and foundation to establish a comprehensive evidence base to • Provide a comprehensive baseline (including for gender) AFC is supporting the Beninese Ministry of Agriculture in the AFC then facilitates the establishment of contracts between
inform policy development for greater financial inclusion. for financial inclusion in Egypt by determining levels of management of its “Agriculture Investment Fund” (financed the communes and cooperatives. Each contract establishes
demand, access, usage, and quality of formal and informal by the KfW) which finances activities such as the rehabilitation the rights and the duties of the two parties. For example, the
financial services and determining the gap between the
The team of experts kicked-off the project by conducting of watersheds and the construction of storage warehouses (for cooperatives have a right to use the watersheds but they must
demand and access to financial services;
an inception mission to engage with the local partners, the • Establish a data set for future monitoring of the progress of post-harvest storage of rice and other crops). The beneficiaries also pay a fee to the communes, and they are responsible for
Central Bank of Egypt (CBE), and the Central Agency for Public strengthening financial inclusion; and of such investments are not the owners of the property– the the daily maintenance and management of the watershed. In
Mobilisation and Statistics (CAPMAS). After the inception • Identify barriers and opportunities to greater financial watersheds and the land on which the warehouses are built turn, the commune guarantees their access to the watershed
inclusion in Egypt on both the supply and demand side and
mission, the team developed the research design for the create a national roadmap for financial inclusion.
belong to the commune. A tool to guarantee the access of and is responsible for the longer term maintenance and care of
surveys and drafted the household and MSME questionnaires. intended beneficiaries post investment is therefore essential.
jph the infrastructure.
The next activities will include the collection and analysis
of gender-disaggregated supply-side information and the These activities are conducted within the GIZ-funded project, The first step is to identify who are the current users of the At an operational level, AFC also supports the warehouses
initiation of engagement through a first round of meetings “Promotion of Access to Financial Services – National Financial watersheds and intended beneficiaries of the warehouses. by establishing a business plan for their usage which should
with key stakeholders. Inclusion Survey and Framework” and in close collaboration with They are then supported to establish themselves as legally cover operational and maintenance costs and a management
the CBE and CAPMAS. recognised cooperatives (under OHADA legislation). committee is established to manage the warehouses.
The project involves a thorough market diagnostic to map
the supply and demand of financial services in Egypt and the We are looking forward to the roll-out of the household and MSME STEP 1 STEP 2 STEP 3
development of a national financial inclusion framework. The surveys, as the results will feed directly into the development of a Support the Facilitate the establishment
Identify users of of contracts between
the watershed and formation of
market diagnostic will cover the whole country and include two gender sensitive national financial inclusion framework. self-governed the commune and the
potential beneficiaries cooperative
of the warehouse cooperatives
large-scale demand-side surveys for households and MSMEs.
FOR FURTHER INFORMATION FOR FURTHER INFORMATION
PLEASE CONTACT: PLEASE CONTACT:
Members of the cooperative of the
Friederike Schilling Holly Hufnagel Kuchmatie Storage Store The Kuchmatie Storage Store
Project presentation at Central Bank of Egypt construction is financed by the
Friederike.Schilling@afci.de Holly.Hufnagel@afci.de
FI-Agri
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
I NOW KNOW THE MAP OF MY VILLAGE! CONTRIBUTION TO THE LAND USE PLANNING
SCHEME FOR AN EQUITABLE DEVELOPMENT
BENIN NIGER
The Responsible Land Policy Programme (ProPFR) in 2018 conducted a participatory mapping of 191 villages across the Since March 2019, AFC together with its partners, CA17, ADE, and GOPA have been implementing the “Land Use
four communes in the department of Borgou in Benin, namely: Bembéréké, Sinendé, Kalalé, and Tchaourou. Planning” (LUP) mission in three regions of Niger, namely: Maradi, Tillabéri, and Zinder. The LUP is a tool contributing
to the Land Use Planning Scheme with a global vision of the harmonious and equitable development of the country.
Participatory mapping is essential for the implementation of The various resulting cartographic not only facilitate the carrying
rural land plans (RLPs) because it ensures that the entire village out of topo-socio-land surveys, but also their follow-up and The activities started with a first mission to Niamey and were This mission is part of the “Complementary Support to the
territory is effectively included during topographical surveys. This considering village territories when implementing RLPs. continued in the three mentioned regions to deepen the Sectoral Reform Contract - Food and Nutrition Security and
mapping also provides an overview of the various structuring inventory and create proposals to update the action plans. During Sustainable Agricultural Development (CRS-SANAD)” project,
and land use elements of the soil and an approximate idea of The mapping was conducted by the Atlas GIS of Benin under a a recent visit to Maradi, the experts made recommendations to through which the EU has been supporting in the development of
their surface areas. service contract, and in a concerted and contradictory manner the Technical Steering Committee of the LUP Elaboration Support an intelligent land policy since March 2018. This action, financed
with the administrative authorities and all the populations of the Process to improve the quality of the document drafted for its under the 11th European Development Fund, is more largely
This mapping process was conducted by travelling around the villages concerned. Following this mapping, the survey of village finalisation. On the basis of an inventory, the mission supported part of a 4-year partnership agreement concluded between the
perimeter of villages and recording the geographical coordinates parcels with the identification of their beneficiaries is in progress. the beneficiaries in the elaboration of a capacity building plan, EU and the Government of Niger, with the main contracting
and administrative boundaries of the territories, thus allowing In the long term, each landowner in the village will be able to the establishment of Departmental Land Commissions, as well as authority which is the Office of the High Commissioner for the
the production of Geographical Information System (GIS) data. obtain an administrative document attesting to their right. the proposal of land development and security maps.
jph 3N Initiative (HC3N), based in Niamey.
Following this diagnostic analysis of LUP, a “white paper” was The mission will be able to continue during the second quarter
The Responsible Land Policy Programme (ProPFR) written, designed for and by the beneficiaries, and aimed at of 2019, by validating the various objectives and the areas of in-
Project launch Implementing partners
synthesising the recommendations. tervention adopted which targets to implement the tool by 2020.
GIZ July 2016
funded is a project of • the Ministry of Economy and
by the the global Finance of Benin;
• the Ministry of Agriculture, CONTENT OF THE WHITE PAPER
Livestock and Fisheries of Benin;
One World, No Hunger (SeWOH) Project duration
• the Association for the
Development of Borgou 1 2 3 4
INITIATIVE Municipalities;
of the German Federal Ministry for Economic Cooperation and
Development (BMZ)
40 months •
•
the University of Parakou; and
NGOs and consulting firms.
Location and visualisation
to better analyse the facts
provided
A better understanding of the
organisation of the territory and
the distribution of phenomena
A visualisation of the
facts also accessible to
illiterates
A visual and simple
synthesis of natural resource
management issues
FOR FURTHER INFORMATION FOR FURTHER INFORMATION
PLEASE CONTACT: PLEASE CONTACT:
Restitution to the populations of
the map of the village of Kpari, in One of the participatory maps Florent Aguessi Catalina Berger Werner Grimmelmann Thierry Antoine Marie-Laetitia Catta Map showing the three regions
the commune of Tchaourou created under the programme Florent.Aguessi@afci.de Catalina.Berger@afci.de Werner.Grimmelmann@afci.de Thierry.antoine@afci.de Marie-laetitia.catta@afci.de of intervention, namely: Fields in Niger
Maradi, Tillabéri, and Zinder
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AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
SUPPORT FOR THE FINANCING OF AGRICULTURAL PROMOTION OF AGRICULTURE FINANCE FOR
VALUE CHAINS AGRI-BASED ENTERPRISES IN RURAL AREAS
TOGO NIGERIA
AFC, in collaboration with its main partner FUCEC (Faîtière des Unités Coopératives d’Epargne et de Crédit - Network of AFC has been implementing a GIZ financed project for the promotion of agriculture finance for agri-based enterprises
Savings and Credit Unions), has improved and facilitated the access of small agricultural producers to financial products (AgFin) in rural areas in Nigeria since the end of 2018. The project bridges offer and demand in the field of agriculture
adapted to Togo since 2017. finance by developing capacities for partner banks and agri-businesses and creating mechanisms to connect the
demand to the offer side.
by structuring agricultural value chains to facilitate access to
THE TEAM HAS TRAINED finance for producers and other stakeholders, thereby increasing In this view, AFC has recently conducted an in-depth market
productivity, developing the agro-industry, and making this research to develop business models for agri-businesses
sector a real source of national wealth. working in rice, maize and potato value chains and the results
3,300 50
were presented to the banking sector in Abuja and Lagos. The
AFC’s mandate in Togo is linked to the GIZ’s ProDRA programme different profiles of agri-businesses in terms of the developed
Small agricultural producers Employees of financial
(rural development including agriculture) active in the Maritime, level of profitability sparked the interest of the banks.
IN FINANCIAL LITERACY institutions Plateaux, Kara, and Central regions. This programme aims to
improve the technical and economic performance of players in The AgFin project has established professional partnerships with
600 people have benefitted from credit products
the 4 sectors of agricultural value chains. jph four financial institutions and customised a technical assistance
specially designed by AFC and FUCEC. for each partner bank to introduce as well as strengthen their
From now on, two new credit models will be developed and agriculture finance activities.
The training has allowed financial institutions to approach the issue of implemented by ProDRA to facilitate access to financing.
agricultural financing with greater confidence.
The team will collaborate with two commercial banks on the After developing the business models and designing the
financing of additional channels and providing credits adapted technical assistance to every partner bank, AgFin will be building
The MIFA (Mécanisme Incitatif de Financement Agricole - to the needs of transformation/marketing. As part of financial its partners’ internal capacities by drafting an agriculture finance
Mechanism Promoting Agricultural Financing), a public limited education, producers in the sectors supported are made aware strategy, developing products and preparing processes, as well
company under Togolese law, was convinced and offered AFC of the need for insurance and savings, as well as the possibility of as creating an adequate credit risk management approach.
an opportunity for collaboration. The MIFA emerged from the using financial products. However, the private sector still needs In addition, AgFin will also be conducting trainings for agri-
Togolese government’s desire to promote the agricultural sector to be mobilised to offer appropriate products. businesses located in different regions.
FOR FURTHER INFORMATION FOR FURTHER INFORMATION
PLEASE CONTACT: PLEASE CONTACT:
Women process manioc roots into AFC organised two seminars in Abuja and Lagos to
manioc flour for the regional Visit of the cashew nut Friederike Schilling Bernd Benning Akram Bourhrara Richard Pelrine present to the banking sector the results of its research on Rice farmer in his field
market aggregators Friederike.Schilling@afci.de Bernd.Benning@afci.de Akram.bourhrara@afci.de Richard.Pelrine@afci.de business models of agri-enterprises working in different
value chains.
18 19AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
NIGERIA AIMS FOR AGRICULTURAL MECHANISATION
BY ADAPTING THE SME LOOP
NIGERIA
Since August 2015, AFC has been implementing the Green Innovation Center for Food and Agriculture (GIAE) Nigeria implemented in parts by GOPA and AFC. Interestingly, the SEDIN
on behalf of GIZ. The project recently piloted a strategy enhancing the availability of critical services in on-farm The GIAE Nigeria’s innovation known as “the SME Business project itself provided a separate adaptation of the SME Loop for
mechanisation to smallholder farmers at affordable rates. This was achieved through the use of a specific adaptation Training and Coaching Loop for Mechanisation Service startup enterprises.
Providers” is an adaptation of GIZ’s SME Loop programme.
of GIZ’s SME Business Training and Coaching Loop which was rolled-out in May 2018.
Three major features were incorporated into the original The GIAE Loop was implemented on a cost-sharing basis with
programme design and these are: the benefiting entrepreneurs usually providing their own
transportation to the training venue and in some cases the meals.
average land size for a farmer is between 1,5 to 2,0 hectares; A comprehensive selection process targeting The willingness to pay for parts of the programme become more
One objective behind the innovative SME business Training and 1
therefore owning tractors and other farm implements is not service providers located in rural communities, and more evident as the impacts come to light which in turn
Coaching Loop is the need to strengthen linkages between farmers with a potential for business expansion.
and other up- and down-stream enterprises as well as service economically viable. In this context, it is important to understand increases the potential for institutionalising and replicating the
providers and assist smallholder farmers, particularly in remote that the smallholder farmer still plays a crucial role in the general innovation. The local governments are currently considered the
rural areas to have easy access to appropriate basic mechanisation
equipment or services. agricultural economy of the country, particularly in terms of most likely options for anchoring the innovation and providing
food and livelihood security. Therefore, GIAE aims to facilitate 2 Agriculture mechanisation technical training institutional sustainability. Their agriculture departments and
modules.
intensification and increase mechanisation within small holdings, personnel cover most, if not all, communities in the country.
thereby optimising yield and improving livelihood. In addition, they have expressed commitment to enhance
jph agriculture mechanisation in their various jurisdictions. They have
The focus on the private sector as a driver for mechanising 3 A comprehensive facilitation process of support already proven to be committed partners of the GIAE innovations
for equipment financing. In addition, the monioring
Nigeria’s agriculture is an old concept. Indeed, several public- and evaluation framework was adjusted to measure and are instrumental in the cascade trainings for good agricultural
private partnerships involving governments (federal & state), the number and profile of farmers served by each practices (GAP) and farmer business school (FBS) trainings.
equipment manufacturers, financial institutions, etc. already service provider.
existed and have achieved a certain level of success, particularly The SME Loop for Mechanisation Service Providers is certainly
A Nigerian farmer is typically depicted as a man/woman in terms of the relative ease in agro-equipment importation, not an independent innovation. Its successes so far have also
holding a hand hoe. The level of agricultural mechanisation in the development of equipment financing models, and financial depended on the cooperation and collaboration of other actors/
the country has remained low (0,021hp/ha), with manual land products, etc. However, these gains can only be optimised by To keep costs at a minimal, the GIAE SME Loop for Mechanisation players in the value chain, with whom GIAE Nigeria expects to
tilling still dominating the farming system since over 80% of developing and providing efficient service that is accessible and Service Providers made use of trainers and coaches already consolidate ongoing work together to ultimately make the hand
agricultural land is still cultivated primarily by this means. The affordable to the smallholder farmers. trained on standard SME Loop by the SEDIN project, hoe a thing of the past for the farmers.
RESULTS
The results of the pilot were extremely encouraging. By June 2019:
100 12 procurement of new tractors
was facilitated
39 service providers
involved in the
programme
FOR FURTHER INFORMATION
PLEASE CONTACT:
Smallholder farmers
who initially had no access to
mechanisation
SME Loop and the project
supporting the access to a
dedicated financial scheme
by the Bank of Industry of
once
Nigeria. Formal service provision contracts between
were served farmers and service providers are becoming
at least
Emmanuel Monn Baba Ashmara Virginie Duthoit Farmers attend a hands-on coaching
a regular feature. Emmanuel.Monn@afci.de Baba.Ashmara@afci.de Virginie.Duthoit@afci.de session in the SME Loop Process
20 21AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
AFC REINFORCES ITS PRESENCE IN NIGERIA SUPPORT TO DEVELOPMENT BANK OF RWANDA’S
AGRICULTURAL FINANCE STRATEGY
NIGERIA RWANDA
AFC & GOPA implemented its 6th project, the Nigerian Competitiveness Project (NiCOP) in February 2019 in Nigeria. The In the second half of 2018, AFC’s team of consultants conducted an in-depth study of three key value chains in
project aims to strengthen the country’s competitiveness and enhance its integration into the regional and international Rwanda to enhance the strong agriculture portfolio of the Development Bank of Rwanda (BRD), financed by the Africa
trading system. In this premise, the project will develop several value chains such as leather, textile, tomato, chili, and Agriculture and Trade Investment Fund (AATIF).
ginger production. While interventions in the agricultural value chains will mainly be at the production and processing
level, the leather and textile value chains will be targeted at the very end, focusing on the production and marketing
of finished goods (e.g. shoes, accessories, and garment).
In addition to affecting agricultural mechanisation and farm Within six months, AFC assessed gaps in finance for these value
productivity, lack of affordable financing prevents farmers from chains, analysed necessary benchmark values in the respective
exploiting the numerous opportunities in the crop and livestock markets in Kigali and across the country, conducted focus groups
with the processors to establish commercial relationships with sectors. Therefore, under the framework of Rwanda’s “Vision discussions, and investigated financing potentials.
farmers for consistent supply of quality tomatoes at a fair price. 2020” development programme, the Government of Rwanda
THE TOMATO VALUE CHAIN has foreseen a large share of funding to be spent to further
NiCOP has established a working relationship with Kaptain develop the agricultural sector. The BRD, in their function as a The results of the in-depth analysis of the value chains
To illustrate further, tomatoes form a major part of the diet will be the basis of the Agricultural Department at
Foods, a company processing ready-to-eat stew mix using fresh development bank, has proposed to strengthen the agricultural
in Nigeria and its production is characterised by variation BRD in formulating strategies for agricultural product
in the seasons experienced in the north and south. This tomatoes and chilli among other ingredients. Kaptain Foods modernisation and develop agro-processing on its three major development, financing mechanisms, and further
involves large scale transportation of the product from the has been sourcing its fresh tomatoes from the North during value chains namely, cassava, Irish potatoes, and poultry, which is
jph enhancing the staff’s agricultural knowledge.
north to the higher income consumer markets in the south.
the production seasons but finds it difficult to source tomatoes a major step to facilitate access to affordable finance by medium
The demand from the consumer market in the south during the off season. The project has now identified groups of and large scale farmers.
has increased the number of farmers producing to meet farmers in the south who are producing improved varieties and As an example, cassava is a staple food in Rwanda but it remains
south’s demand. This trend has not only led to excess KEY VALUE CHAINS
production but also huge losses due to damages of the is testing its suitability for processing with Kaptain Foods. Based to be a challenging commodity to finance, as its production has
crop during transportation from the north. on the outcomes, the project will work with these farmers to been affected by diseases which lead to loan defaults. Interviews
produce suitable varieties and link them with Kaptain Foods. with affected farmers, processors, and other value chain actors
enabled understanding the value chain’s dynamics. Therefore, by
NiCOP is working with farmers to improve their capacity in The project is an EU co-financed action and part of a larger GIZ improving the BRD’s internal capacities on the crop’s potentials
CASSAVA IRISH POTATOES POULTRY
producing improved varieties suitable for processing as an programme which will last for 36 months and will be closely aligned and financing options within the value chain, this will eventually
alternative market; while on the demand side the project is working with many other GIZ projects being implemented in the country. positively affect food security in Rwanda.
FOR FURTHER INFORMATION FOR FURTHER INFORMATION
PLEASE CONTACT: PLEASE CONTACT:
Tomatoes from plateau state being
sorted out for transportation to Kaptain Foods processed stew mix Sophia Baumert Emma Odundo Mareike Decker Cassava harvesting in Kinazi
various markets sophia.baumert@afci.de Emma.odundo@afci.de Mareike.Decker@afci.de sector Potato value chain value-addition,
washing facility
22 23AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
TRAINING ON THE CREDIT REFERENCE SYSTEM FOR PROMOTION OF FINANCIAL INCLUSION FOR
BANKS AND PARTICIPANT INSTITUTIONS REFUGEES
UGANDA UGANDA
AFC and Akademie Deutscher Genossenschaften (ADG) have been selected to implement the project, “Consulting Services The European Investment Bank (EIB) Technical Assistance Programme East Africa, managed by AFC, worked with
to Improve Data Utilisation of the Credit Reference System by Participating Institutions and the Bank of Uganda”. Centenary Bank in May 2019 to train more than 1,745 refugees.
sustainability and impact within their organisation. Three ToTs According to the United Nations High Commissioner for Refugees the bank’s microfinance business. Centenary Bank worked together
The project focuses on two complementary topics: were conducted in August 2018 with a total of 55 participants (UNHCR), Uganda hosts around 1.2 million refugees— the largest with InterAid— an NGO advocating for the human rights of
1. the improved utilisation of the Credit Reference
System (CRS) by Participant Institutions (PIs); and from the PIs, the Ugandan Credit Bureaus, and the Bank of Uganda. number of refugees hosted by an African country. Most of the refugees— to reach out to the refugees and host communities to
2. the improved utilisation of the CRS by the Bank In this framework, AFC launched the E-learning course on the refugees are limited by low income and little financial literacy. identify participants for the training. After participating in seminars
of Uganda itself. Credit Reference System (https://e-learning.bou.afci.de). The Thereby to enhance their financial inclusion, AFC offered finance and on financial and business management, refugees were empowered
content and materials have been developed specifically for this business trainings in 10 refugee host areas all over the country. It was to further organise and run their businesses more systematically,
During this project, 124 participants from 33 PIs and the two project and are provided free of charge to any interested learner the first African training for refugee communities to ensure improved better manage their finances including increased savings, increase
Ugandan Credit Bureaus were trained on the technical use of (staff of Ugandan Financial Institutions, Banking Association, access to financial services under this type of EIB funding. Mr. Fabian their sales sustainably, and generally manage growth of their
credit reference information not only for each stage of the credit students, etc.) due to free hosting of the e-learning platform on Kasi, the Managing Director of Centenary Bank said that, “enabling all businesses. The majority of participants were women and most
process (i.e. from client evaluation, loan approval, all the way to the servers of AFC’s mother company, GOPA Consultants. Ugandans and people living in Uganda to access financial services of the refugees originally came from DR Congo, Sudan, Burundi,
loan monitoring and recoveries), but also for other important is crucial for economic prosperity in this country”. The Centenary
jph Somalia, and Rwanda. At the same time, Centenary Bank opened
business areas such as market research, product development, In addition to the intensive training activities and based on the Bank is the second biggest bank in Uganda, which focuses mainly bank accounts for the refugees, bringing them another step
and risk management. The participants provided highly positive findings of the inception phase, the consultants organised a on low income people. The EIB has been working with Centenary further towards building and growing their own businesses. The
feedback on the training, not only its relevance for their work, but series of three workshops to address the identified challenges Bank since 2007 and has provided 23 million Euros in lines of credit training had a larger impact than expected with only 900 people
also in its quality. in the credit report system in a systematic way. One focus on for microfinance and Small and Medium Enterprises (SMEs). expected but 1,745 refugees and people showed up from the
technical issues aimed at credit and risk managers, another with host communities and were trained for two weeks. This is a huge
The consultants also delivered a Training of Trainers (ToT) to the representatives of the Credit Reference Bureau’s Steering Financial and business literacy is the first logical step in the financial success and hopefully is just the beginning of a fruitful economic
create local capacity in disseminating the knowledge through Committee, and a final one for Senior Management of the PIs. inclusion of low-income people, who then become more viable turnaround for them. AFC is positive that this project will support
the different areas / departments and staff in each PI. Following The aim of these workshops was to agree on steps to improve the clients of banks since they learn how to manage their businesses and include a rather marginalised part of the Ugandan society
the technical training, it was important to enable PI members data quality collected by the Credit Bureaus, including drafting and finances better. Thus, these activities also help refugees settle to join local business activities and in the long-run help create
to facilitate technical trainings themselves, and thus create an action plan for classifying fields by relevance. by engaging in economic activities and supporting the growth of income and employment opportunities.
FOR FURTHER INFORMATION FOR FURTHER INFORMATION
PLEASE CONTACT: PLEASE CONTACT:
Financial literacy training by
E-learning platform on the Credit Reference System Akram Bourhrara Mareike Decker Andrew Obara AFC trainer Successful participants of the
- https://e-learning.bou.afci.de financial inclusion training
Akram.bourhrara@afci.de Mareike.Decker@afci.de Andrew.Obara@afci.de
24 25AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
A STRUC TURING PROJEC T FOR NUTRITION
AND VALUE CHAINS
MADAGASCAR
In recent years, Southern Madagascar has been visited with increasingly frequent droughts and cyclones which cause
severe flooding. The combined effect of these natural disasters, amplified by pest attacks especially autumn armyworms,
lead to a significant drop in crop production. The cropping calendar was disrupted, and harvests of maize, cowpea, The intervention is now based on three main
rice, and groundnuts were the most affected. In addition, the widespread and still poorly controlled exploitation of axes, within the framework of an integrated and
natural resources such as the artisanal manufacture of charcoal or the uprooting of aromatic plants greatly increases participatory approach:
environmental degradation and contributes to food insecurity. As a result, 60% of the population has an extremely
poor diet in terms of quality, with a growth retardation rate affecting 47% of children under 5 years of age.
1 support for the development of inclusive value chains
(honey, groundnuts, castor beans, goats, onions,
sea fishing, cash crops), with its implementation
The European Union is implementing the Support for the The programme is a continuation of the “Improving Food to be ensured by a substantial subsidy allocated to
Financing of Agriculture and Inclusive Sectors programme - AFAFI Security and Increasing Agricultural Income” - “Integrated the “Agricultural Value Chain Adaptation to Climate
South, which aims to sustainably reduce poverty and improve Actions in Nutrition and Food” - ASARA-AINA programme Change Project” PRADA project of the GIZ;
the food security and nutritional status of rural populations, implemented by the EU over the last five years in these regions.
especially women. Its design draws lessons from and takes into account the 2 food and nutrition security activities, and
dynamics and practices that have been promoted. jph
3 cross-cutting actions including priority access
THE PROGRAMME TARGETS:
to improved plant and animal material, small
~250,000
AFC, in consortium with I&D and AGROTEC, signed a contract infrastructure to support value chain actors, and
with the EU on November 2018 for technical assistance to systematic consideration of environmental issues and
the Programme Coordination and Monitoring Unit (UCS) climate change (dissemination of agro-ecology and
people
established by the National Authorising Officer. Four national water and soil conservation techniques, reforestation,
and international experts support the UCS in managing and reduction of wood energy consumption).
concentrated in four agro-ecological zones in the three a Programme Specification which provides for numerous
regions of Androy, Anosy, and Atsimo Atsinanana. investments and the recruitment of specialised Non-
Government Organisations (NGOs).
FOCUS OF AFC’S SUPPORT
FOR FURTHER INFORMATION
PLEASE CONTACT:
Programme Management of Monitoring and Technical fields through short-
coordination the programme evaluation of the and long-term expertise The project supports the honey,
estimate programme (rural engineering and multi-use water, Frédéric Louvet Susana Zschocke groundnuts, castor beans, goats, Pilot activities in goat breeding for
nutrition, and food security) Frederic.Louvet@afci.de Susana.Zschocke@afci.de onions, sea fishing, and cash women groups in the Tanandava
crops value chains Commune, d’Amboasary District
26 27AFC WORLDWIDE 2019 AFC WORLDWIDE 2019
TRANSBOUNDARY USE AND PROTEC TION OF GROWING SMALL BUSINESSES THROUGH BET TER
NATURAL RESOURCES: TOURISM SUPPORT UNDERWAY MICROFINANCE
BOTSWANA GEORGIA, UKRAINE AND MOLDOVA
Member states of the Southern African Development Community (SADC) established the Transfrontier Conservation Financial Inclusion is one of the corner stones of economic development. Without access to finance for inputs and
Areas (TFCAs) to achieve harmonious and optimal conservation management practices within their boundaries. equipment (assets), small business often fall short of their growth potential, and create lesser jobs.
The TFCAs allow wildlife to move freely across borders and component until December 2020, implemented by AFC/GOPA
are intended to provide the surrounding marginalised rural consultants, to boost the SADC Secretariat’s tourism policy Ukraine UKRAINE
communities with increased socio-economic benefits from function and to support coordinated, optimal, and sustainable Moldova Georgia
the biodiversity economy. Increasing these opportunities will TFCA tourism market development.
contribute to SADC’s objectives to fight poverty and reduce
rural exodus, while at the same time preserving natural and
cultural heritage.
THE TOURISM COMPONENT 3 +2 BANKS
FINANCIAL
INSTITUTIONS
SADC’s 18 TFCAs are home to many renowned tourism In Ukraine, 3 banks and 2 sector associations which draw on a
destinations including the Victoria Falls shared by Zimbabwe and Ukraine, Moldova, and Georgia are part of the Eastern network of over 40,000 farmers were chosen. AFC will build
Zambia, the Kruger National Park in South Africa, the Okavango Supports the SADC Secretariat Supports TFCA’s market Neighbourhood Technical Assistance for Financial Inclusion
jph their capacity to provide better financial services, to do so more
and Member States to address development and investment
Delta in Botswana, and the Maloti Drakensberg Mountains environmental challenges that make promotion initiatives (ENTAFI) programme of the European Investment Bank (EIB). efficiently, and for customers such as farmers, to use them,
covering Lesotho and South Africa, in addition to being home it difficult for intraregional cross- especially credit, productively.
border tourism to thrive
or neighbor to multi-cultural and heritage resources. As a result,
many protected areas depend on income derived from tourism, In January 2019, AFC and its consortium partners won
the technical assistance project (amounting to almost
while tourism for most SADC countries is largely dependent €2m) which will provide capacity building to (micro) GEORGIA
on natural capital which includes wildlife, scenery, culture, and financial institutions (MFI) in Ukraine and Georgia.
heritage contained in and around the TFCAs. The project will also partner with sector associations
to provide rural micro- and small businesses with
Establishes new and strengthens Enlarges communication content aimed In Georgia, AFC works with Credo Bank and with Crystal
existing national, regional, and to increase the awareness and acceptance financial literacy and -management training.
The SADC/GIZ Transboundary Use and Protection of Natural international travel trade relations of SADC TFCA tourism offerings in microfinance organisation (MFO). One important work focus is
Resources (TUPNR) programme has added a tourism regional and international markets the digitalisation of the lending process, which aims to reduce
FINANCIAL INCLUSION AND AGRICULTURE IN UKRAINE, GEORGIA AND MOLDOVA
FOR FURTHER INFORMATION Most people from these
PLEASE CONTACT: three countries work in
agriculture by producing These and other agricultural activities
3 5
contribute about 7% to 12% to their
people in Ukraine GDP respective GDPs while the value added
OF and Georgia have a growth of agriculture has been overall
bank account stagnating in recent years.
2 5
grain, sugar beets and other
The Khama Rhino Sanctuary ... people in vegetables, grapes, citrus and Yet, the potential to produce and export more
... in Botswana Martin Gross
Martin.Gross@afci.de
Netsai Bollmann
Netsai.Bollmann@afci.de
OF Moldova have a
bank account
other fruits, as well as tea and agricultural products is high in all three countries.
sunflower seeds.
28 29You can also read
