21032015 - RUDEC 2014 Annual Operational Overview - Cheuk Kin Tang

2014 ANNUAL OPERATIONAL OVERVIEW
RURAL DEVELOPMENT CENTRE
CAMEROON (RUDEC)
Joshua ChiambaInfo@Rudec.org +(237)67723-9994www.RUDEC.org

ABOUT
RUDEC
ABOUT US
RUDEC is a developing non for profit
organization geared toward reducing
poverty and inequality through the efforts
of professional volunteers, collaborative
partnerships and compassionate donors.
It strives to improve quality of rural life
through the development of sustainable
social economic and environmental
projects.
ABOUTUS
1BACKGROUND
Cameroon is a country in Western Africa
where 48% of its 22 million population is
living in poverty and in rural area.
RUDEC founded in 2006 by Joshua Chiamba
tries to provide the most vulnerable
member of its community with means to
access basic education and tools to
empower their lives. Its head office is
situated in Belo, a small rural town in the
North Western Region of Cameroon.
2
BACKGROUND
MISSION
RUDEC aims to combat poverty and
empower the community with primary
concern for the environment and
sustainable resources.
MISSION
3
VISION
A world where all residents have access to
basic education and health resources
enabling them to improve quality of life
and achieve their full potential

RUDEC
EXECUTIVE
JOSHUA
CHIAMBA
COMMUNITY
ENGAGEMENT
RUDEC
STAFF
PARTNERS
BOARD OF DIRECTORS
NTAM SHELLA
MC2 Microcredit
Project Solutions
CameroonONE
CHAIR – YUH DAVID
VICE CHAIR – GRACE NABI
SECRETARY – KHING SAMSON
Organizational
Structure
Board Members should:
 Attend quarterly meetings
 Promote the interests of RUDEC
 Provide suggestions + advices
 Participate in volunteer projects
Tree
Planting
Orphan
Project
Community
Development
After
School
Program
RUDEC
Support
Pig
Farm
Sponsor
an Orphan
General
Donations
Volunteer
Program
Investments Fees
Microcredit
Women
Empowerment
Eco-Tourism
[In Development]
Bee Farm
[In Development]
€

CONTEXT AND CALL FOR ACTION
Context
 On March 3, 2015, RUDEC began an investigation on its financial health throughout 2014
 The analysis indicates that RUDEC is in a dire financial situation and in need of a more sustainable income then what general
donations and sponsorships can guarantee
 The key analytical findings can be summarized below:
 Issue 1: Orphan Project which represents 70% of RUDEC’s total cost is underfunded by €1,736 in 2014
 Issue 2: The Pig Farm Project suffered a €69 loss in 2014
 Issue 3: The cost to rent and maintain the volunteer houses generated a €76 loss in 2014
 Issue 4: Program Investment Fees collected in 2014 was insufficient to cover overhead or finance new projects
 Issue 5: General Donations received (25% of total Income) was key as to why RUDEC was able to continue its operations in 2014
 Mandate: Increase public awareness of RUDEC’s community involvement activities and establish new socially benefiting yet
economical projects for RUDEC
RUDEC’s Call for Actions from Volunteers and Professional Supporters:
1. Promote RUDEC to general population – There is an urgent need for smart and friendly volunteer consultants
2. Establish University Chapters to help promote, exercise and support RUDEC’s values on a global context
3. Promote Sponsor an Orphan Project – Projected Revenues from Sponsorships will cover only 65% of 2016 project expense
4. Host fundraisers to help RUDEC purchase beehives (€38/hive) that will be used to finance future RUDEC projects
5. Development of new viable and sustainable income generating projects to keep RUDEC afloat under tough times

€4,532
-€1,736
-€2,500
-€1,500
-€500
€500
€1,500
€2,500
€3,500
€4,500
€5,500
Orphan
Sponsorship
Orphan
Project Cost
Net Income
Post Orphan
Project
Pig Farm
Revenues
Pig Farm
Feed Cost
Net Income
Post Pig
Farm Project
Volunteer
Rent
Revenues
Volunteer
House Cost
Program
Investment
Revenues
Overhead
[Motorcycle,
Office Rental
and Wages]
Net Income
Post
Volunteer
Contribution
General
Donations
Annual Net
Income
RUDEC 2014 Annual Financial Overview
[2014 Euro]
-€6,268
Issue 1 - The Orphan Project which represents 70% of RUDEC’s total cost is
underfunded by €1,736. Revenues from 12 sponsors account for 48% of RUDEC’s total
income in 2014; a loss of even one sponsor would impact RUDEC’s financial severely
Orphan
Sponsorship
Revenues
€ 4,532.32
48%
%Weight Distribution of Income Generating Project in 2014
Orphan Project Cost
€ 6,268.35
70%
%Weight Distribution of RUDEC Expenditure in 2014
Sponsorship revenues are used to cover for 57 Orphan’s educational, medical and sometimes nutritional
expenses: School Tuition, Uniforms, Textbooks, Writing Materials, Exam Fees, Medical Checks, Hygiene
Products, HIV Tests, Tape Worm Checks, etc. As of 2014, revenues from 12 sponsors account for 48% of
RUDEC’s total income generated; losing even one sponsor can have a tremendous impact on RUDEC’s day-
to-day operation.
Data Source: 25032015 – RUDEC Financial Analysis – Cheuk Kin Tang

€1.4
€6.2
€4.3
€5.7 €5.9
€6.9
€8.3
€12.4
€9.6
€12.1
€10.3
€16.0
€15.2
€12.6
€29.2
$-
$5
$10
$15
$20
$25
$30
$35
AverageMonthlyExpensesbySchoolYear[Euro]
School Year
Educational Expenses
87.55%
Medical
Expenses
12.23%
Christmas Food
6.13%
Cost to Give Hope for RUDEC’s Orphan
Number of Sponsored Child = 33 out of 57
[2015 Euro]
Issue 1 Cont. – A child’s education expenses [tuitions, uniforms, etc]
account for 88% of RUDEC’s spending on a child; furthermore, as the child
ages, the cost to support him/her increases correspondingly

[2015 Euro]
Issue 1 Cont. – There are currently 57 orphans under RUDEC’s care but
only 33 out of 57 have a sponsor; many of the older children have more
difficulty finding a sponsor than their younger peers
2
1
0
4
6
3
5
2
4
1
2
1 1 11
1
0
1
2
3
3
5
5
1
2
€1.4
€6.2
€4.3
€5.7 €5.9
€6.9
€8.3
€12.4
€9.6
€12.1
€10.3
€16.0
€15.2
€12.6
€29.2
0
1
2
3
4
5
6
7
8
9
10
$-
$5
$10
$15
$20
$25
$30
$35
ChildrenCount
School Year
Unsponsored Children
Sponsored Children
Monthly Expenses

[2015 Euro]
Issue 1 Cont. – RUDEC enrolls many younger children who in 2 year [By 2017] will
enter Form 1 where costs to support them will increase by two fold from €6.9 to
€12.4; this will correspondingly increase RUDEC’s financial burden
2
1
0
4
6
3
5
2
4
1
2
1 1 11
1
0
1
2
3
3
5
5
1
2
€1.4
€6.2
€4.3
€5.7 €5.9
€6.9
€8.3
€12.4
€9.6
€12.1
€10.3
€16.0
€15.2
€12.6
€29.2
0
1
2
3
4
5
6
7
8
9
10
$-
$5
$10
$15
$20
$25
$30
$35
ChildrenCount
School Year
Sponsored Children
Monthly Expenses

[2015 Euro]
Issue 1 Cont. – The current percentage weight adjusted costs for the
2014/2015 school year is €10.5; fortunately, this cost is still inline with
what RUDEC requests from their monthly sponsors to donate (€15)
2
1
0
4
6
3
5
2
4
1
2
1 1 11
1
0
1
2
3
3
5
5
1
2
%Weight Adjusted Cost
€10.45
€1.4
€6.2
€4.3
€5.7 €5.9
€6.9
€8.3
€12.4
€9.6
€12.1
€10.3
€16.0
€15.2
€12.6
€29.2
0
1
2
3
4
5
6
7
8
9
10
$-
$5
$10
$15
$20
$25
$30
$35
ChildrenCount
School Year
Sponsored Children
%Weight Adjusted Cost
Monthly Expenses

€4,532
-€1,736
-€550
-€1,805
-€2,500
-€1,500
-€500
€500
€1,500
€2,500
€3,500
€4,500
€5,500
Orphan
Sponsorship
Orphan
Project Cost
Net Income
Post Orphan
Project
Pig Farm
Revenues
Pig Farm
Feed Cost
Net Income
Post Pig
Farm Project
Volunteer
Rent
Revenues
Volunteer
House Cost
Program
Investment
Revenues
Overhead
[Motorcycle,
Office Rental
and Wages]
Net Income
Post
Volunteer
Contribution
General
Donations
Annual Net
Income
Orphan
Sponsorship
Revenues
€ 4,532.32
48%
Pig Farm
Revenues
€ 481.16
5%
Pig Farm Cost
€ 549.90
6%
Orphan Project Cost
€ 6,268.35
70%
[2014 Euro]
-€6,268
Issue 2 – Due to effect of the 2013 Pig Flu, value of pigs dropped to a level
where the Pig Farm suffered a €69 loss in 2014; furthermore, monthly
costs to upkeep pigs had a negative impact on RUDEC’s monthly Cashflow
€481
 Sold 2 Adult pigs for €122 and €107 on October 2014
 Sold 13 Piglets for a total of €252 on December 2014
 Average Monthly Expenditure of €46 to upkeep Pigs

€4,532
-€1,736
-€550
-€1,805
€657 -€733
-€2,500
-€1,500
-€500
€500
€1,500
€2,500
€3,500
€4,500
€5,500
Orphan
Sponsorship
Orphan
Project Cost
Net Income
Post Orphan
Project
Pig Farm
Revenues
Pig Farm
Feed Cost
Net Income
Post Pig
Farm Project
Volunteer
Rent
Revenues
Volunteer
House Cost
Program
Investment
Revenues
Overhead
[Motorcycle,
Office Rental
and Wages]
Net Income
Post
Volunteer
Contribution
General
Donations
Annual Net
Income
Volunteer House
Rental Cost
€ 733.19
8%
Pig Farm Cost
€ 549.90
6%
Orphan Project Cost
€ 6,268.35
70%
[2014 Euro]
-€6,268
Issue 3 – The amount of rents collected from volunteers in 2014 were not
enough to offset the cost to rent and maintain the Volunteer House for the
year; thereby, generating a €76 loss in 2014
€481
-€1,882
Volunteer House
Rent Collection
€ 656.82
7%
Orphan
Sponsorship
Revenues
€ 4,532.32
48%
Pig Farm
Revenues
€ 481.16
5%

RUDEC 2014 Volunteer Number Analysis
[2014 Euro]
Issue 3 Cont. – Monthly cost to rent the volunteer house has a negative impact on
RUDEC’s cashflow; in addition, RUDEC currently collects €46 of rents per volunteer
while total rental and upkeep costs requires €61 per month
18
10
5
1
2012 2013 2014 2015
[As of March 22,
2015]
€61
€46
€229
€160
€115
€46
-€61 -€61 -€61 -€61 -€61 -€61 -€61 -€61 -€61 -€61 -€61 -€61
€-
-€15
€168
€99
€53
-€15
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Steady down trend of supporting
volunteers since 2012 played a
major factor for the €76 loss in
2014
2014 Monthly Cashflow
Volunteer House

€4,532
-€1,736
-€550
-€1,805
€657 -€733
€1,375
-€275
-€367
-€802
-€2,500
-€1,500
-€500
€500
€1,500
€2,500
€3,500
€4,500
€5,500
Orphan
Sponsorship
Orphan
Project Cost
Net Income
Post Orphan
Project
Pig Farm
Revenues
Pig Farm
Feed Cost
Net Income
Post Pig
Farm Project
Volunteer
Rent
Revenues
Volunteer
House Cost
Program
Investment
Revenues
Overhead
[Motorcycle,
Office Rental
and Wages]
Net Income
Post
Volunteer
Contribution
General
Donations
Annual Net
Income
[2014 Euro]
-€6,268
Issue 4 – Program Investment Fees collected from volunteers were originally
intended for paying overheads and investing in new projects; however, due to a
shortage of new volunteers, there was a net loss of €68 in 2014
€481
-€1,882
Program
Investment
Revenues
€ 1,375.00
15%
Volunteer House
Rent Collection
€ 656.82
7%
Orphan
Sponsorship
Revenues
€ 4,532.32
48%
Pig Farm
Revenues
€ 481.16
5%
-€1,950
-€1,443
Annual Salary for two Employees:
1. Joshua Chiamba
2. Shella Ntam
RUDEC Office Rental
€ 366.60
4%
Volunteer House
Rental Cost
€ 733.19
8%
Employee Salary
€ 801.93
9%
Motorcycle Fuel Cost
€ 274.95
3%
Pig Farm Cost
€ 549.90
6%
Orphan Project Cost
€ 6,268.35
70%

RUDEC 2014 Volunteer Number Analysis
[2014 Euro]
Issue 4 Cont. – Revenues derived from Program Investment Fees are
sporadic and inconsistent which makes it difficult for RUDEC to run its day-
to-day operations
18
10
5
1
2012 2013 2014 2015
[As of March 22,
2015]
Steady down trend of supporting
volunteers since 2012 induce a
shortage in funding for RUDEC to
cover overheads; let alone
finance new projects
2014 Monthly Cashflow
Program Investment Fees
& Overheads
€550 €550
€275
€435 €428
€153
-€130 -€130 -€115 -€115 -€115 -€115 -€115 -€122 -€122 -€122 -€122 -€122

€4,532
-€1,736
-€550
-€1,805
€657 -€733
€1,375
€379
-€275
-€367
-€802
-€2,500
-€1,500
-€500
€500
€1,500
€2,500
€3,500
€4,500
€5,500
Orphan
Sponsorship
Orphan
Project Cost
Net Income
Post Orphan
Project
Pig Farm
Revenues
Pig Farm
Feed Cost
Net Income
Post Pig
Farm Project
Volunteer
Rent
Revenues
Volunteer
House Cost
Program
Investment
Revenues
Overhead
[Motorcycle,
Office Rental
and Wages]
Net Income
Post
Volunteer
Contribution
General
Donations
Annual Net
Income
[2014 Euro]
-€6,268
Issue 5 – General Donations representing 25% of RUDEC total revenue sources is
the reason as to why RUDEC was able to sustain a net positive income of €379 in
2014 and continue its day-to-day operation
€481
-€1,882
Program
Investment
Revenues
€ 1,375.00
15%
Volunteer House
Rent Collection
€ 656.82
7%
General
Donation
€ 2,328.87
25%
Orphan
Sponsorship
Revenues
€ 4,532.32
48%
Pig Farm
Revenues
€ 481.16
5%
-€1,950
€2,329

RUDEC 2014 General Donations Overview
[2014 Euro]
Issue 5 Cont. – However, General Donations received throughout 2014 is
sporadic and is simply not a sustainable and consistent source of future
income for RUDEC
€204
€370
€212
€32 €45
€318
€800
€226
€122
Donor 1
€ 800.00
34%
Donor 2
€ 300.00
13%
Donor 3
€ 225.86
10%
Donor 4
€ 180.69
8%
Donor 5
€ 144.55
6%
Donor 6
€ 100.00
4%
Remaining 13 Donors
€ 577.78
25%
One donation alone represented
34% of the total amount in 2014;
there are simply no guarantee in
the future that RUDEC will be able
to receive the same generosity it
did today

Action 1 – Promote RUDEC to the general population; there is a need for volunteer
consultants who hold values inline with a meaningful professional volunteering
experiences rather then one associated with “voluntourism”
Although RUDEC welcomes international volunteers, one can also help within their home country by promoting and spreading
RUDEC values locally through simple means such as:
 Sharing your experiences through casual conversations, public speaking events and social media (Facebook, LinkedIn, etc)
 Posting your experiences on your webpage or blog
 Watching and sharing the great short documentary film, Children of Belo, filmed by Anniken Haldna and Yuri Wahl Valle
 Joining and being an active member of RUDEC Volunteers and Professional Supporters Facebook group
 The short film and Facebook group can be found in the following link: https://www.facebook.com/groups/1602856126593561/
As for those who wish to be more involved, you can put your knowledge and passion for international development to work in your
own community. Some of the ways you can be involved are:
 Educating the public and being an advocate of the depth of understanding of the local society and culture
 Establishing a RUDEC University Chapter
 Recruiting volunteers
 Planning events, and
 Raising funds to help support RUDEC initiatives or send professional volunteers oversea to Belo, Cameroon

Action 2 – Establishing RUDEC University Chapters will help RUDEC’s head
office in Cameroon recruit volunteers, fundraise and advocate its values on
a global context
RUDEC
CAMEROON
RUDEC
GERMANY
Junior Fellowship
Members may apply for a 4
months internship placement
overseas
Member Learning Team
Learn about RUDEC’s mission, watch documentaries, plan events,
have discussions and develop new oversea project ideas!
Fundraising Team
Develop novel ideas to help raise funds for overseas projects and
to send volunteers overseas (Bake sales, BBQs, etc)
Communication Team
Work with social media to publicize accomplishments. Help
photograph, document and publish newsletter.
Public Outreach Team
Plan and coordinate large public awareness and advocacy
campaigns to attract new volunteers or Chapter members
Youth Engagement
School Outreach – Educate high school students on education and
sustainable issues in developing countries.
CHAPTER
STRUCTURE
€
€
Provides Quarterly Reports
And Establishes Mandates

Action 3 – A fully funded Sponsor an Orphan program frees up resources
from general donations and allow incomes to be allocated to new
sustainable projects such as the apiculture and eco-tourism projects
Become a sponsor to anyone of RUDEC’s 24 unsponsored children!
HOW YOU CAN HELP!
For more information on how to sponsor a child, please contact us at info@Rudec.org

Action 4 –The development of a bee farm will not only generate a sustainable income
for RUDEC but it will also improve nearby rural social-economics; however, additional
hives are needed for RUDEC to be able to sustain itself from the project’s income
APICULTURE PROJECT
RUDEC BEEFARMING
Problem Context
€ 2721 were raised early 2015 by a volunteer
to help RUDEC purchase 2 hectares of land and
acquire a land certificate from the government.
A portion of the raised fund will be allocated to
support the Orphans’ Project. Therefore, this
implies that there will only be enough budget
to construct 14 hives which is insufficient for
RUDEC as an alternative income source
Proposed Remediation
Currently, a portion of revenues generated
from honey and bee wax sales each year will
be re-invested back to purchase additional
hives until the farm reaches full capacity with
800 hives installed. Volunteers and
professional supporters can help by hosting
fundraisers to assist RUDEC’s quest in
constructing 800 bee hives. Volunteers can
also help by promoting RUDEC’s beekeeping
internship program.
Project Goal
The goal is to construct enough hives and
sell enough honey/bee wax such that RUDEC
will have a consistent and sustainable
income source than what general donation
guarantee. With sufficient honey yield,
numerous jobs can be created at both a
community and a national level given a large
enough marketing channel.
RESOURCE REQUIREMENT
IMPLEMENTATION DIFFICULTY
Hard
PROJECT BENEFITs
2 Hectares of Land €840
1 x Beekeeper - Joshua Chiamba
800 x Hives [€38 per hive]
Sustainable Income for RUDEC
Increase Crop Yield for Farmers
Create jobs for rural communities
Land Certification €763

RUDEC Bee Hives Construction Schedule
Scenario 1
[2015 Euro]
Action 4 – A full farm with 800 hives will generate more than €16k in revenue
annually; however, it takes almost ten years for project to ramp up to full capacity
even when 90% of operating income are being re-invested to purchase new hives
14 21 31 46 70
101
154
233
356
540
798
€422 €652
€960
€1,422
€2,153
€3,154
€4,773
€7,202
€10,982
€16,656
€-
€2,000
€4,000
€6,000
€8,000
€10,000
€12,000
€14,000
€16,000
€18,000
0
100
200
300
400
500
600
700
800
900
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
AnnualRevenue[Euro]
CumulativeNumberofHivesBuilt
Scenario Assumptions:
• 80% Hives Colonized
• 90% EBIT re-invested to purchase new hives
• Honey Sales Price per Litre = €3
• Bee Wax Sales Price per kg = €2.3
• Projected Annual Production per Hive of 10L
• Projected Bee Wax Production per Hive of 0.33kg
• 5% Inflation to all Costs
• Discount Rate = 8%
Cost Data:
• Cost of 2Hectares Land and Certification = €1604
• Cost of 1 Hive = €38
• Replacement of Top Bar every 2 years = €7.6
• Beekeeper Monthly Salary = €46
• Cost of 1L Bottle for Packaging = €0.23/bottle
• Smoker Replacement every 5 years = €9.2
• Replacing Harvesting Container every 5 years = €3.9
• Bee suit Replacement every 5 years = €28
• Annual Cost to clear and maintain land = €38
• Honey Transport Cost per L = €0.04/L

RUDEC Bee Farm Financial Projections
Scenario 1
[2015 Euro]
Action 4 – Since 90% of operating income are re-invested to purchase new
hives each year; it takes realistically 8 years for RUDEC to enjoy income
benefits from the bee farm
€224 €337 €521 €780
€1,876
€269 €401 €559
€919 €1,198
€2,013
€3,030
€4,689
€7,023
€9,851
-€1,762
€298 €445 €622
€1,021
€1,331
€2,237
€3,367
€5,210
€7,804
€11,727
-€2,000
€-
€2,000
€4,000
€6,000
€8,000
€10,000
€12,000
€14,000
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
AnnualEBIT[Euro]
$Profit Re-invested [Euro]
Net Income
Annual EBITIt is critical that additional hives
be built in earlier years of the
project so that it takes a shorter
amount of time for the bee farm
to reach full capacity

RUDEC Bee Farm NPV analysis
Scenario 1 and Scenario 2 Comparison
[2015 Euro] - Discount Rate of 8%
Action 4 – A mere €2000 additional of investment for RUDEC to construct
44 new hives in 2015 will increase project NPV from €1,405 to €43,375 and
reduce breakeven year from 2025 down to 2021
-€1,620 -€1,423 -€1,155 -€756 -€208
€1,727
€12,262
€20,918
€28,212
€43,375
-€1,762 -€1,734 -€1,696 -€1,647 -€1,572 -€1,481 -€1,340 -€1,144 -€862 -€472
€1,405
-€5,000
€-
€5,000
€10,000
€15,000
€20,000
€25,000
€30,000
€35,000
€40,000
€45,000
€50,000
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
CumulativePresentValue[Euro]
Scenario 2 – Assumes that RUDEC is
able to raise or receive another €2000
to construct an additional 44 new
hives in 2015
Scenario 2 Breakeven Year

58
94
148
228
356
546
800 800 800 800 800
€1,765
€2,879
€4,532
€6,994
€10,957
€16,849
€24,633 €24,647 €24,662 €24,676
€-
€5,000
€10,000
€15,000
€20,000
€25,000
€30,000
0
100
200
300
400
500
600
700
800
900
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
AnnualRevenue[Euro]
CumulativeNumberofHivesBuilt
RUDEC Bee Hives Construction Schedule
Scenario 2
[2015 Euro]
Action 4 – Assuming RUDEC is able to obtain an additional €2000 financing
to construct another 44 new beehives in 2015, the farm will be able to
achieve full capacity by year 2021 as opposed to scenario 1’s year 2025
Scenario Assumptions:
• 80% Hives Colonized
• 90% EBIT re-invested until 2020
• Honey Sales Price per Litre = €3
• Bee Wax Sales Price per kg = €2.3
• Projected Annual Production per Hive of 10L
• Projected Bee Wax Production per Hive of 0.33kg
• 5% Inflation to all Costs
• Discount Rate = 8%
Cost Data:
• Cost of 2Hectares Land and Certification = €1604
• Cost of 1 Hive = €38
• Replacement of Top Bar every 2 years = €7.6
• Beekeeper Monthly Salary = €46
• Cost of 1L Bottle for Packaging = €0.23/bottle
• Smoker Replacement every 5 years = €9.2
• Replacing Harvesting Container every 5 years = €3.9
• Bee suit Replacement every 5 years = €28
• Annual Cost to clear and maintain land = €38
• Honey Transport Cost per L = €0.04/L

RUDEC Bee Farm Financial Projections
Scenario 2
[2015 Euro]
Action 4 – The impact of having an additional 44 hives will allow RUDEC to
enjoy the project’s income benefit by 2019 and achieve complete financial
independence by 2022
€338 €544 €806
€3,069
€18,055
€16,022
€14,580 €15,163
€1,376
€2,068
€3,038
€4,892
€7,251
€9,720
€-
€-
€-
€-
-€1,762
€1,528
€2,298
€3,376
€5,436
€8,056
€12,789
€18,055
€16,022
€14,580
€15,163
-€2,000
€3,000
€8,000
€13,000
€18,000
€23,000
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
AnnualEBIT[Euro]
$Profit Re-invested [Euro]
Net Income
Annual EBIT
Help RUDEC achieve its full
capacity and empower more
lives in the Belo community by
helping us achieve the project’s
800 Beehives installation target

Action 5 – Numerous small scale sustainable and socially empowering
income generating projects benefits both RUDEC and its local community;
tell us your ideas and see how it can be realized here in Belo!
EXAMPLE
RUDEC COMPUTER CLASS
Problem Context
Computers are expensive. Many community
members and even professionals such as
teachers will therefore lack basic computer
knowledge. A basic education on computer
usage can greatly enhance their career
options
Proposed Remediation
RUDEC currently owns 5 functional computers.
The aim is for any skilled volunteers to educate
RUDEC employees with basic knowledge of
computer functionality, internet accessing,
Microsoft PowerPoint, Excel and Word.
Volunteers will devised a curriculum such that
the empowered RUDEC employees can use it as
future lesson material for other Belo community
members.
Project Goal
The goal is to empower local RUDEC
employees such that they can use the newly
acquired computer skill sets to educate
other members and professionals of the
Belo community. RUDEC can charge a small
tuition fees from the offered classes;
revenues received from tuitions can then be
allocated back to other projects.
RESOURCE REQUIREMENT
IMPLEMENTATION DIFFICULTY
LOW
PROJECT BENEFITs
1 x Skilled Volunteer
1 x RUDEC Employee
5 x Computers
Empowered Employees
Educated Community
Income for RUDEC

€155
Achievements – As detailed in the next slides, the Microcredit Loan Program for
women established on April 2012 by Andrea Sestanovich is a notable example as to
what RUDEC and its volunteers have achieved for its community over the past years
RUDEC
CAMEROON
HOW MICROCREDIT
PROGRAM WORKS?
Member 1
Member 2
Member 3
Member 4
Member 5
€31
€31
€31
€31
€31
Stage 1
RUDEC provides €155 seed
fund equally split to first 5
members of Community
Empowerment Club.
Stage 2
Each members will repay €6.11
of principals every 2 months plus
€0.51 as interests until the €31
loan is repay completely. The
principals will be pooled together
to provide new seed loan for its
new member.
€6.1
€6.1
€6.1
€6.1
€6.1
Principal
Repayments
Every 2
Months
Interest
Pool €Interest
Payment
€31
Member 6
Stage 3
The process continues until all members of
Community Empowerment Club receives a
loan and repays it; the group will repay the
€155 fund back to RUDEC so that it can be
granted to other members of Belo
community. Any interests accrued will be
kept by the Community Empowerment Club
to continue with the microcredit plan for its
own members.
RUDEC
CAMEROON
€155
Member N
Member 1
Member 2
Member 3
Member 4
Member 5

Achievements – With the exception on April 2014, all loans were repaid on
time; on-time payments in turn allow other members to enjoy the benefits
of the microcredit loan program
€153
€31 €31 €31
€61 €61
€31
€61
€31
€61
€31
€61 €61
€31
€61
€31
€61
€12
€18 €18
€6
€24
€6 -€6
€12
€18
€6
5
6
7
8
10
7
8
10 10 10
9
10 10 10 10 10 10
0
1
2
3
4
5
6
7
8
9
10
€-
€20
€40
€60
€80
€100
€120
€140
€160
Balance after Loan Payment
Amounts Loan
Members Loaned to
RUDEC Microcredit Loan for Women
Women Empowerment Program
[2015 Euro]
On Feb. 2013, the initial 5 members of
the program all successfully paid off
their individual €31 loan; furthermore, 2
new loans were handed out
Initial €153 Loan granted by
RUDEC to 5 of the Community
Empowerment Club Members

Achievements – This loan is given with the hope that the money will be used to
create a business; so that even once it is paid back, members will still have a source
of income to support themselves and their families.
[2015 Euro]
€61 €61 €61 €61 €61 €61 €61 €61 €61 €61 €61
€31 €31 €31 €31 €31 €31 €31
€61 €61 €61 €61
€55 €55
€49
€43 €43
€37
€31
€31 €31 €31 €31 €31 €31
€6 €6 €6 €6
€6 €6
€6
€5 €5
€3
€3
€3 €3 €3 €3 €3 €3
€-
€20
€40
€60
€80
€100
€120
€140
Interest Paid
Amounts Repaid
Amounts Loan
Since April 2012, a total of 18
members have benefited from
RUDEC’s Microcredit Loan
Program

Achievements – 29 micro-loans were given out since April 2012 while cumulative
principals repaid by its members amount to €739. Furthermore, total interests accrued
during period totals €76 [Half of what RUDEC loan out to initiate project]
[2015 Euro]
€-
€31
€61
€104
€153
€214
€263
€305
€354
€403
€452
€495
€544
€593
€642
€690
€739
€17
€19
€23
€27
€33
€38
€43
€47
€52
€57
€61
€67
€72
€76
5
6
7
8
10
12
13
15
16
18
19
21
23
24
26
27
29
0
5
10
15
20
25
30
€-
€100
€200
€300
€400
€500
€600
€700
€800
€900
Apr-12 Jun-12 Aug-12 Oct-12 Dec-12 Feb-13 Apr-13 Jun-13 Aug-13 Oct-13 Dec-13 Feb-14 Apr-14 Jun-14 Aug-14 Oct-14 Dec-14
Accumulated Interest
Cumulative Amounts Repaid
Cumulative Numbers of Loans Given
Interests accrued will be given
back to Community Empowerment
Club in order to continue the
microcredit program for its
members

THANK YOU FOR YOUR TIME!

Q&A?

WORK
PROCESS
Project Attribution
[Sept. 30, 2014]
RUDEC Held Fundraiser
[Jan. 4, 2015]
Conceptual Design Review
[March 3, 2015]
Land Purchasing
[March 22, 2015]
Land Preparation
[March 27, 2015]
• Setting Boundary Stones
• Tree Planting
• Land Clearance
• Hives Construction
Land Certification by Government
[June 1, 2015] - Expected
Hives Installation
[On-Going]
First Honey Harvest
[March 1, 2016]
Market Expansion
[2019] - Expected
On Track!

Organizational
Structure
RUDEC
EXECUTIVE
JOSHUA
CHIAMBA
COMMUNITY
ENGAGEMENT
RUDEC
STAFF
PARTNERS
BOARD OF DIRECTORS
NTAM SHELLA
MC2 Microcredit
Project Solutions
CameroonONE
CHAIR – YUH DAVID
VICE CHAIR – GRACE NABI
SECRETARY – KHING SAMSON
Board Members should:
 Attend quarterly meetings
 Promote the interests of RUDEC
 Provide suggestions + advices
 Participate in volunteer projects

21032015 - RUDEC 2014 Annual Operational Overview - Cheuk Kin Tang

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