4. FIELD PROGRAMME 5-6
CONTENTS
SITE 1
CHRISTIAN AID-KUWALA PROJECT 7-11
TABLE
OF
SITE 2
AFAP & FDH BANK PROJECTS 12-16
SITE 3
CUMO MICROFINACE PROJECT 17-21
SITE 5
CLINTON DEVELOPMENT INITIATIVE
PROJECT 23-25
SITE 4
AFAP PROJECT -NKHATABAY 22
5. FIELD PROGRAMME
9th to 12th April 2024
Date Time Activity Venue Distance
Tuesday,
09/04/2024
13:30-14:30
Travel to Dowa
14:45-16:45
Site 1: UPG
Project under
Christian Aid.
Meeting with
Kalikongwe VSL
Group
/Linthembwe
cluster
Linthembwe
CCAP Church
in the area of
Traditional
Authority
Chakhaza
35 km from
Lilongwe
16:45-18:00
Travel back to
Lilongwe
Wednesday,
10/04/2024
8:00-11:00
Travel to Mzimba
11:00-13:00
Site 2: CBFO
Projects under
synergies by
AFAP and FDH .
Meeting with two
CBFO groups
(Temwanani and
Tikoleraneko) at
one venue.
Kalumamba
Primary School
Group Village
Head Mdhluli ,
TA, Mabulabo,
Mzimba
25km from
Nkhamenya
Trading
Centre
13:00-14:00
Lunch
14:00-16:00
Travel to Mzuzu Spend a night
5
6. Thursday,
11/04/2024
7:00-9:00 Travel to Rumphi
9:00-11:00
Site 3: IOF project
under CUMO
Microfinance.
Meeting with RUP-
116 Chigomezgo
Group and RUP-
114 Takondwa
Group at one place
Chimyanga Primary
School,
Group Village
Chikhumba,
TA Mwahenga
15km from
Phwezi turn
off along
the
Livingstonia
road
11:00-14:00 Travel to Nkhatabay
14:00-16:00
Site 4: CBFO
Project under
AFAP. Meeting
with Executive
CBFO group
Mkondezi Primary
School
TA Nkumbira
Nkhtatabay
15 minutes
from
Nkhata bay
Hospital
16:00-17:00 Travel to Mzuzu
Friday,
12/04/2024
08:00-11:00
Travel to Kasungu
11:00-13:00
Site 5: CBFO
Project uder
Clintion
Development
initiative (CDI).
Mbwabwa CCAP Church
GVH Mzibwa
TA Nyaza
Kasungu
Mchinji
Road 25
Kms from
Santhe
13:00-17:00 Lunch and travel back
to Lilongwe 6
7. Implementing
Partner
Christian Aid
Project length
2 years (2022-2025)
Project Budget
FARMSE contribution:
$(1,169,095.2 MWK1.2
billion)
Christian Aid contribution:
$216,282.6
(MWK222million)
Impact areas
Dowa, Salima and Mchinji
Total Target
7500 HHs
Kalikongwe VSLA Group of
Linthembwe cluster in the
area of
Traditional Authority
Chakhaza
Group composition: Group
members 22; 9 males 13
females
Cost per Share: 1000- 5000
Interest rate: 20%
Total share from January to
date: K299,000
Value in loans :k287,400
SITE 1
UPG PROJECT UNDER CHRISTIAN AID
Kuwala Ultra-Poor Graduation Project
QUICK FACTS GROUP PROFILE
7
8. UPG Household 1
Charity Banda (Mrs Makikoyi)
Chikhobwe Village, Traditional Athority Chakhadza,
53 years old with a family of 5 people.
Interventions received
Training and mentoring in WASH, Nutrition, Household
Methodologies, natural resource management, climate smart
agriculture, financial literacy and business management.
Transformation made
Positive strides in all the thematice areas:
Adoption of WASH (clean pit latrine with hand wash facility
(Mponda giya); Refuse pit and Utensils drying rack.
Ability to prepare diversified nutritious six food groups;
established an all-season homestead vegetable garden.
Charity and her husband at local buns oven
8
9. Developed and tracking her household visioning journey, some
of the milestones are being realized.
Natural Resource Management ie planted trees, Use energy
saving stove
Practing Climate smart agriculture ie use of manure
Financial literacy (saves with a VSLA), record keeping, owns
bank account.
Operating a bakery and tomato businesses.
Outstanding achievements
With VSLA loans, she bought pigs and goats, opened a bakery
business and is renting a shop as a bakery outlet
.
Vision
To onstruct a shop for bakery outlet, groceries wholesale shop.;
build a permanent house; operate motorcycle transport
business; and buy an ox-cart for hiring.
Top-bottom, Charity and her husband in their backyard garden
and at their pig house.
9
10. UPG Household 2
Yeremiya James
NkhosaVillage, Traditional Athority Chakhadza, 52 years old
with a family of 7 people.
Interventions received
Training and mentoring in WASH, Nutrition, Household
Methodologies, natural resource management, climate
smart agriculture, financial literacy and business
management.
Transformation made
Positive strides in all the thematic areas:
Adoption of WASH (clean pit latrine with hand wash
facility (Mponda giya); Refuse pit and Utensils drying rack.
Ability to prepare diversified nutritious six food groups;
established an all-season homestead vegetable garden.
Developed and tracking her household visioning journey,
some of the milestones are being realized.
Yeremiya watering his backyard garden
10
11. Natural Resource Management ie planted trees, Use
energy saving stove
Practicing Climate smart agriculture ie use of manure
Financial literacy (saves with a VSLA), record keeping,
owns bank account.
Operating a bakery and tomato businesses.
Transformations made
Opened a groceries’ shop with Social Cash Transfer money
but he is expanding it with VSL loans.
Vision
To open a groceries wholesale shop; build a permanent
house; and buy an ox-cart for business.
Yeremiya at his grocery shop he opened with VSL proceeds
11
12. Implementing Partner
AFAP & FDH Bank
Project length
2 years (2023-2025) for both IPs
Project Budget
FDH Total project budget
($1,990,997) MWK 2,043,628,712
FARMSE contribution to FDH
$(574,807.05) MWK590,001,968
FDH contribution
$(1,416,190.0) MWK1.453,626,744)
AFAP Total Project to budget
$(502,438.14) MWK515,720,000
FARMSE contribution to AFAP
($419,919.51) MWK431,020,000
AFAP contribution
$(82,518.634) MWK84,700,000
Impact Areas and Target
FDH Ufulu525 innovation
is implemented in 16
districts, targeting
204,000 individual
beneficiaries
AFAP is implemented in 5
districts targeting
20,000 households.
Key interventions
AFAP groups linked to
FDH bank where
individuals have opened
Ufulu digital accounts.
Capacity Building in VSL
methodology, Household
Visioning, Gender
transformation
approaches, Nutrition
and Environmental
management, Business
and Entrepreneurship
development, Group
Dynamics, Market basics,
Contract Farming,
Financial literacy, among
others.
SITE 2
FDH BANK Project: Upscaling Ufulu 525
&
AFAP Project: Savings for Agriculture and
Marketing Project
QUICK FACTS
12
13. TEMWANANI CBFO
Group Village Head Mdhluli
Traditional Authority Mabulabo,
Mzimba district
Background
Established in 2015, started working with FARMSE in 2023 (AFAP &
FDH Bank)
Group composition
25members (1M 24F; 1PWD 9youths 8F 1M)
Share value: K1,000 with IR 20%. Dec 2023 shared K900,000
Vision – Warehouse and sunflower cooking oil production
Key interventions and Results
1. Linkage to markets
Linked to Sunseed Oil. The CBFO selected Soya beans as the
value chain that they would cultivate and sell to the off-taker.
2. Linkage to FFIs
Linked to FDH Bank to access to formal financial services. Group
bank account with the bank 15 members have opened Ufulu Digital
accounts and are transacting through the bank agents in their
location.
13
Temwanani CBFO soy garden
14. 3.Environmental management
The CBFO developed a tree nursery with 4,200 trees which
they have distributed among themselves and planted in their
fields and other CA technologies like planting vetiver and
making swales for environmental management.
4. Adoption of nutrition good practices
The CBFO accessed subsidized vegetable seeds to improve
their nutrition and utilizing the six food groups available
locally in their area.
With VSL proceeds, the group bought 3 goats for Pass-On
scheme to group members to increase access to physical
assets and improve nutrition of the beneficiaries.
5. Group Businesses:
Soybean farming (2acres for the group, 37.5 total acres for
the individual members and an expected yield of 303 bags),
and half acre for fresh vegetables; Selling wrappers and
buckets; and group Pass-On goats
Temwanani CBFO members in their Sunflower garden
14
15. Background
Established in 2020, started working with FARMSE (AFAP
& FDH Bank) project in 2023.
Group composition
25 members (5M 20F)
Share value : K1,000 with 20% Interest Rate. The group
shared K950,000 in December 2023.
Vision : To own a Maize mill for business
Interventions and res
ults achieved
Financial literacy training and linkage to Formal
Financial Institutions:
1.
a). Linked to FDH Bank and individual members have
opened Ufulu Digital Accounts and accessing bank
services through Bank Pakhomo agents in the area.
b). The group have also accessed microloans
for purchasing inputs
Tikoleraneko CBFO
Group Village Head Mdhluli
Traditional Authority Mabulabo, Mzimba district
15
Tikoleraneko CBFO members displaying their energy saving Kiln
16. 2. Linkage to markets ie to Sunseed Oil to sell soybeans under a
market contract. The group has bought 2 acres of land whereby
they have planted soy beans this season.
3. The CBFO has intensified production and selling of energy
saving to the surrounding communities to increase their shares
and contribute to environmental management.
4. The CBFO also acquired knowledge of locally available six
food groups and accessibility to improve their nutrition.
5. The CBFO has improved on record keeping, especially of
their business and production and is able to calculate
profits.Group Businesses, making and selling energy serving
stoves, soybean farming (3 acres for the group, 35 acres for
individual members and expected of 152 bags); and Goats for
pass-on.
Tikoleraneko CBFO members in their group soy garden
16
17. Implementing Partner
CUMO Microfinance
Project length
2 years (2023-2025)
Project Budget
Total project budget
($1,448,357.14)
MWK1,486,518,458
FARMSE contribution to FDH
$(472,217.04) MWK484,700,000
CUMO contribution
$(976,017.63)
MWK1,001,818,458
Impact Areas and Target
The project is implemented
in three districts of Rumphi,
Karonga and Chitipa,
targeting 50,000 individual
beneficiaries from 13,000
households.
Key interventions
village savings loans
facilitatation
Weather index
Digitized training on
entrepreneurship and other
skills
Provision of loans for
agriculture, irrigation,
business, productive use of
renewable energy
Link VSLs to commercial
banks
.
SITE 3
CUMO Microfinace project:
“Expanding Access to Training and
Finance 2”
QUICK FACTS
17
18. 18
Background
Established in 2011, the group started working with FARMSE in 2021
(MMPA) before (AFAP & CUMO) in 2023.
Group composition:
25 members (9M 16F)
Share value :
K2,000. In December 2023 shared K2,750,000
FARMSE interventions and Results
Linked to markets -Fortune Gardens where they received 50kg
seed input of beans
1.
Village forest conservation, household woodlots and smart
agriculture practices to avoid unnecessary tree cutting
2.
Organic fertilizer making called Mbeya which members applied in
their garden and have improved yield
3.
Group linkage to FFI (FDH group account) and CUMO - 1st cycle
obtained 2,330,000 (Dec 2023) and 2nd cycle 3,300,000 (April
2024)
4.
Some members are able to pay school fees with business and VSL
proceeds
5.
Group members have adopted have group and personal visions
6.
Following the nutrition training, members have adopted nutrition
good practices ie eating 6 food groups
7.
RUP 116 CHIGOMEZGO GROUP
GVH: CHIKHUMBA
TA: MWAHENGA
RUMPHI
19. 8. Members were trained in financial literacy, business
management and VSL management. With VSL proceeds,
members have opened business as follows:
Selling of farm produce, another one is an agro dealer,
saloon among others.
Most members are farmers and they get the loans from the
village bank to pay for labour costs and fertilizer. The maize
acreage range from 1-7acres per member, soybean 1-
3acres, g/nuts 1-4, beans 1-3acres
Livestock ie goat rearing for business
Members are engaged in individual businesses ie saloon,
agro dealer, restaurant, selling tomatoes, maize, beans.
Tionge Nyirongo’s goats she bought with VSL proceeds (Left),
Pachalo Msiska in her Salon she opened with VSL proceeds (Right)
19
20. Background
Established in 2010, started working with FARMSE in 2019
(MMPA), 2023 (AFAP & CUMO)
Group Composition:
18 members (4M 14F)
Share value: K2,000. Dec 2023 shared K2,600,000
FARMSE interventions and Results
Linked to markets -Fortune Gardens where they received
50kg seed input of beans
Village forest conservation, household woodlots and
smart agriculture practices to avoid unnecessary tree
cutting
Organic fertilizer making called Mbeya which members
applied in their garden and have improved yield.
Group linkage to FFI (FDH group account) and CUMO - -
1st cycle obtained 1,600,000 (Dec 2023) and 2nd cycle
2,600,000 (April 2024)
One farmer took a loan of K100,000 and bought fertilizer
for his tomato field (1/2 acre). He made sales of
K3,000,000
20
RUP 114 TAKONDWA GROUP
GVH NKHULULA
TA MWAHENGA
21. TOP LEFT: Evelyn Chinula bought the motorcycle with the proceeds of the
VSL following various trainings she got through MMPA. He makes
MWK35,000 weekly income from the motorcycle
TOP RIGHT: Joseph Msiska, took a loan of MWK100,000 from CUMO bought
fertilizer for his tomato garden on a 1/2 acre land in October 2023. From the
tomato sales, he made K3,000,000. He opened a carpentry shop the
capital from his savings at Takondwa CBFO
BOTTOM: Fides Msiska opened her grocery shop in December 2023 after
receiving her shares from Takondwa CBFO. She added the CUMO loan on her
capital
SUCCESS CASES OF RUP 114 TAKONDWA
21
22. Group Details
Established in 2022, started
working with FARMSE (AFAP &
MWATO SACCO) in 2023.
Group Composition
15members (5M 10F)
Share value: K2,000 with
interest of 20%. In December
2023 , the group shared
K3,500,000
Group businesses:
Sweet potatoes (they sell
the vines to RIPPLE Africa)
Rice – 3 group plots and 102
individual plots, expected
rice yield 788bags (100kg)
Vegetables – they sell to
local vendors
FARMSE interventions
Linkage to markets and
received 10kg of certified
rice seed from Homes
industries for contract
farming.
1.
Linked to MWATO SACCO to
access formal financial
services. Opened a bank
account and are transacting.
2.
3. Capacity Building in VSL
methodology, Household
Visioning, Gender transformation
approaches, Nutrition and
Environmental management,
Business and Entrepreneurship
development, Group Dynamics,
Market basics, Contract Farming,
Financial literacy, among others.
4.The trainings led to improved
meeting attendance, financial
and business record keeping,
business management, value
chain addition, gender balancing
and vision setting among others.
5. Individual businesses include
fish farming, livestock, rice
farming, grocery among other.
22
SITE 4: AFAP
Executive Community Based Financial
Organisation (CBFO)
GVH Chapumbwa, TA Mkumbira Nkhata-bay district
Members of Executive CBFO in
their rice scheme
23. Implementing Partner
Clinton Development Initiative
(CDI)
Project length
2 years (2023-2025)
Project Budget
Total project budget
($445,240.43)
MWK467,235,109.04
FARMSE contribution to FDH
$(365,027.73)
MWK374,677,168.64
CUMO contribution
$(90,174.20) MWK92,557,940.40
Impact Areas and Target
The project is
implemented in three
districts of Nkhotakota,
kasungu, Ntchisi, Balaka
and Machinga, targeting
20,000 individual
beneficiaries.
Key interventions
village savings loans
facilitation
Weather index
Digitized training on
entrepreneurship and
other skills
Provision of loans for
agriculture, irrigation,
business, productive use
of renewable energy
Link VSLs to commercial
banks
SITE 5
Clinton Development Initiative Project
“Enhancing Community Based Financial Organisations
and Improving Access to Credit and Saving Options for
Smallholder Farmser Groups”
QUICK FACTS
23
24. Background
Year of Establishment: The
group spontaneously started as
VSLA in 2016 by members
themselves.
Group composition: The group is
comprised of 30 members (22
females, 8 males).
Group objective: To allow
members save money and
access business loans to
improve household incomes.
FARMSE Interventions and
Outputs
Through the interventions,
the group has managed to
secure market where they
supply soy beans.
· Following VLS methodology
training, the group is now
able to keep records of their
shares
· They are now able to write
financial records for both the
group and individual
businesses.
MADZIMAYERA Community Based
Financial Organisation (CBFO)
Santhe, Mataya Village, Group Village Head Mzibwa
Traditional Authority Nyaza
Kasungu district
24
Through the business
trainings, the group
managed to secure
market with WFP where
they supply Soy beans
to schools within the
area for students’
porridge.
In addition, the group
also started other group
business such as:
i. Growing and selling
onion and irish potatoes.
This is grown on 2 acres
land.
Members of Madzimayera CBFO
in their banana plantation
25. ii. Growing and selling soy beans.
iii. Growing sunflower which they process and sell oil and the
sunflower cakes within their community.
iv. They grew 210 banana suckers and have started selling
some bananas which are matured within their community.
v. Members are planning to start aggregating their f
arm produce which previously were being sold individually.
CDI linked the group to FDH where the members have
opened Ufulu accounts.
The group has also been linked to Sunbird SACCO where
they are buying shares in preparation to acquire loan which
will be used to buy farm inputs for the group.
Through the environmental management trainings, the
group is now taking care of hill which is in their village
through planting of trees, making check dams and fire
breaks.
The members are able to report on any misunderstandings
and challenges they face through the Grievance Reporting
Mechanism training which they had undergone with CDI.
The group managed to draw a three years visionary journey.
In addition, the members have also drawn their households’
visionary journey.
Through gender and inclusion training from CDI, the group
elected a person with disability to be the Chairman of the
group.
25
Members of Madzimayera in their group soy beans garden (Left), and
on the Right is a group member on her well managed trees
