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Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
Lgu rtr loan facility not as usual
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Lgu rtr loan facility not as usual

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  • Good Morning! Let me begin by thanking you this for this opportunity to join you today and to speak briefly about the Climate Change Project being implemented by the ILO and our collaboration on a risk transfer mechanism-Insurance.
  • Being the rice granary of the province of Agusan del Norte- the focus in RTR are the communities producing Rice as well as Banana.
  • Transcript

    • 1. ^ A paper presented by Hon. Nilo D. Soliva , RTR Mayor with Nenita D. Campo , RTR Municipal Agriculturist and Lurraine B. Villacorta , ILO Project Manager Outcome 3.4 Demo Project implemented by: with Remedios T. Romualdez
    • 2. 1. Lack Access to Credit Information 2. Lack Acceptable Collateral 3. Have Unstable Income & Cashflow 4. Have Low Paying Capacity 5. Have Limited Benefits from Alternative Enterprises, even when Financing is Available.
    • 3.  
    • 4.  
    • 5. 4,945 Has. Agricultural Prodn Area* 1,496 Households dependent on fishing and farming 30,985.31 MT combined production 5,364.30 Has. Affected by extreme events 3,731 Households affected 4 bgys, earthquake fault/ 3 bgys low susceptibility to landslides 70.22% Poverty Incidence *Rice/Banana Urban Rural Total Land Area Brgys Popn Brgys Popn Brgys Popn 2 4,482 6 10,494 8 14,976 7,915
    • 6.  
    • 7.  
    • 8.
      • Not a dole-out LGU scheme with a very low interest loan assistance (initially 5 % per cropping or
      • 0.83 % per month);
      • 2. Bundled with relevant training services, i.e. the
      • conduct of “Farmers Field School”;
      • 3. Access to affordable and readily-available organic
      • farm inputs such as fertilizers and pesticides;
      • 4. Bundling of crop insurance;
      • 5. Income diversification among its farmers through
      • alternative livelihood activities.
      ^ NOT
    • 9.
      • 2005 - Legislation of the One Town,
      • One Product (OTOP Philippines) –Rice
      • 2006 - OTOP Rice Production Loan Assistance of PhP 10,000.00/ha with interest of
      • PhP 1,000/ha. for 35 farmers or a total of
      • Php 350,000.00 financial assistance extended by the RTR LGU
      • 2007 - Expansion of OTOP Rice Production Loan Program under National Economic Development Authority ( NEDA KR2) Programme from the Japanese Government amounting to 1Million Grant with 100,000.00 as LGU’s Counterpart
      • 2011- Further expansion under the
      • MDG-F 1656 Outcome 3.4 (ILO-DOLE-DTI)
      • CCA Demo Project ( $39,045)
    • 10.
      • The farmer shall commit to plant varieties with good eating quality;
      • The farmer shall commit and by heart use organic fertilizer and adopt organic agriculture on his/her farm every cropping [not only during the period when loan is provided];
      • The farmer shall attend Farmers’ Field School; and
      • The farmers shall attend monthly meetings and whatever important gatherings.
    • 11. 1. Training of Trainers (Municipal Agriculturist, Agricultural Technologist) on Rice Production, Organic Agriculture, Vermiculture and Vermicomposting, both at national and international levels 2. Strong partnerships with the Department of Agriculture, its Agricultural Training Institute for the Farmers’ Field School and the National Integrated Pest Management (IPM) Programme, the National Irrigation Administration and PhilRice. 3. Registration with the Department of Labor & Employment , its Municipal Agri-Fishery Council and rural-based organizations to include the Barangay Farmers Associations, Rural Improvement Clubs; 4-H Clubs and Irrigators Association. 4. Establishment of “RTR Organic Fertilizer Mass Production Plant ” where farmers have been able to produce 3,500 to 4,500 bags of organic fertilizer every cropping season. These are sold at a very affordable price of Php150.00 per bag. In addition, Vermicast, Vermicompost and Vermi Tea are also being produced.
    • 12. Growth of the LGU Loan Facility…
      • a record 100% percent repayment;
      • proceeds in the sale of the organic fertilizers from its local LGU-run organic fertilizer plant, the RTR OTOP Rice Loan portfolio has now grown to more than Php5million pesos, covering more than 178 farming households;
        • Extend livelihood support to farmers such as swine fattening and vegetable production;
      • From the initial maximum loanable amount of Php10,000 per hectare, loanable amount has also increased to Php12,500 to Php15,000 hectare.
    • 13. Success Factors:
      • Strong political will and staunch resolve of LGU Leadership to risk even popularity in the polls
      • Simplified process flow for fund release and loan repayment.
      • The operation of the Facility as a business
      • The bundling of technology which help ensures productivity and insurance
    • 14. Process Flow of Fund Release: Farmers Filled-Up Application for Loan Validation of AT Recommendation AT and MA Approval of LCE Making /Processing of Payroll Withdrawal & Release of Funds
    • 15. Serve demand letter 2 weeks before harvest Harvest Monitoring Harvesting of Individual farm Payment to LGU MAO for Payment Charging Payment of MTO Recording to MAO Second Demand Letter Process Flow of Loan Payment:
    • 16.  
    • 17.  
    • 18.  
    • 19.  
    • 20. Under the MDG-F 1656 Climate Change Adaptation Joint Programme’s Outcome 3.4 Demonstration Project, the RTR LGU Loan Facility Scheme is not only on an enhanced and expanded run in RTR but also test-implemented in two other municipalities of the province .
    • 21. Thank you !!! Implemented by : International Labour Organization (ILO)

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