1.
1 FIMG Proposal Template
PROPOSAL FORMAT
NATIONAL AGRICULTURAL VALUE CHAIN DEVELOPMENT PROJECT
TEMPLATE
1. Cover Page
LOGO
Name of the institution:
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Physical Location:
Ward,
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Sub county,
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County,
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GPSCordinates______________________________________________________
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Address:
__________________________________________________________________
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Contact Person:
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Submitted to:
__________________________________________________________________
___________________
Date:
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[Link]:
Table of Contents:
List of Tables:
List of Figures:
Executive summary: (Should be concise overview of institution Business Plan)
Acronyms and Abbreviations:
3. INTRODUCTION
4 Sector Overview
Financial Scenario / environment in the County, sub county and the ward ):
o Brief overview on agricultural financing in the county with emphasis on players
financing agriculture, types of products offered and challenges faced
o show the short term and long term changes foreseen in the sector, Indicating
whether there is growth in agricultural loan products or not
o Show how the SACCO to take advantage of the changes
5 Background information:
6. Profile: Name, Location, Cooperative Society (CS) Number, Date of Registration,
Common Bond Of Membership (Agricultural Value Chains), Area of Operation of the
SACCO
• Sub county
• Wards
• Branches
7. Total Membership (M, F, Y as shown below), indicate the number
No Type of Federated Group
Group No. Name of Ward
1 CIG
2 VMG
3 FPO
4 IPs in each Group
8. Membership by Gender
No Age Cohorts Classification Male Female Total
1. Individuals
Above 36 CIG
VMGs
IPs
Individuals
2 18 – 35 years CIG
VMGs
IPs
Total
9. Outline the Vision, Mission and Objectives as per current Strategic plan
10 Governance: Outline or illustrate the current Governance Structures that are in place
showing
o Last annual general meeting held
o Management committee
o Supervisory committee
o Operational subcommittees, in terms of male and female, frequency of their
meetings
o State the policies in existence
11. Human Resource Architecture
o Briefly outline the recruitment processes as per your terms and conditions,
o Give a breakdown of the current staff , showing gaps as per your strategy
No Position Establishm In post No. of Gender
ent Male Female
1.
2.
3.
o Indicate the Retention Strategies (Motivation, Benefits, Welfare and Wellness)
in place
12. Capacity Building
Indicate whether the SACCO is implementing Capacity Building Activities (Education,
Training and Information for General Members, Management Committee, Supervisory
Committee, Sub Committees and General Public)
13. Business operations
Financial status of the SACCO
Individuals CIGs VMGs
YEARS
Previous Current Previous Current Previous Current
Total Saving
Total Share Capital
Total Loans Disbursed
Agricultur Percentage of
e loans total loans to
agriculture %
Value chains
supported
Defaulted loans that
remain unpaid for over 60
days (KES)
14. Outline Type of Loan Products Offered
Type Amount Interest rate Repayment Remarks
period
Development
Agriculture
School Fees Loans
/Emergency
Other (Input, Extension)
15. Delinquency Management
Outline strategies used to reduce defaulting and managing loan delinquency.
16. Business partners and collaboration
No Partner/ Collaborator Type of Services
1
2
3
4
17. Problem Statement: Explain the current financial constraints that the SACCO is
seeking to address?
18. Justification / Rationale: Explain why the SACCO needs the grant e.g. what are the
current options of farmers (banks do not have suitable products targeting agricultural
development - normal traditional loans)? Amounts and repayment periods are not suitable.
Need to develop appropriate targeted agricultural loan products that are accessible and
affordable.
19. STRENGTHS, WEAKNESSES, OPPORTUNITIES AND THREATS (SWOT) ANALYSIS
STRENGTHS WEAKNESSES
What areas is the SACCO best in and What is within the power of the society
is in control of in terms of Products, that ought to be done better than is
Equipment, Human Resource currently being done? Consider
Management Management of Human Resource,
Facilities, Costs, Marketing, Products,
Communication
OPPORTUNITIES THREATS
What is outside your organization that What factors outside the organization are
you can tap on to improve your likely to interfere with the business
performance and management,
What lessons can be learnt from the
competition,
What niche areas in the market can
you concentrate on to improve the
SACCO performance
20. STRATEGIES TO BE DEVELOPED
Highlight the critical issues that will support the SACCO business effectively
Develop and or review of a strategic plan
Indicate activities, timelines and operational structures, Who is responsible and
expected outputs
Loan Policies, credit policies, Setting Up Offices and Recruitment of Book Keepers
Automation of the Systems.
Hardware Software Development/Review Installing and Internet
Internal Controls put in place
21. Growth Strategies put in place on the following areas
Mobilization and Recruitment of Members
Development and marketing of appropriate Agricultural Products
Recruitment and Retention of Employees
Building Partnerships and Collaboration
Management of Loan Delinquency
Monitoring and Evaluation
22. Compliance: Maintaining mandatory books, audit, KRA returns, MOUs with the county,
AGMs, constitution and operationalization of committees and sub committees, approved
budget, wealth declaration and indemnity
23. Financial Management Strategies:
• Indicate the cumulative number of members to be recruited and the potential
share capital and savings that each CIG/VMG will contribute over a 5 year
period (Business growth). The first-year projections should be done on a month
to month as shown below
Year one
Month 1 2 3 4 5 6 7 8 9 10 11 12
Membership
Share Capital
Savings
24. Five-year projections
Year 1 2 3 4 5
Membership
Share Capital
Savings
Request of funds: the funding to members is based on deficit
Bank account for the SACCO: The account verified
Funding budget: projections of the revolving fund of the SACCO (as example shown
below).Indicate the items in the budget appropriately
25. The Budget SAMPLE
Year 1 2 3 4 5
A. Projected funds:
Loans from the Project
Interest from loans
Total
B. Expenditure:
Loans to be disbursed
Automation (KES)
Bookkeeper
CIG treasurer
Surplus/Deficit (A-B)
26 Sustainability: Key Performance Indicators (Increase in Membership, Share Capital,
Savings, Increased Lending, Profitability)
27 Partnerships, collaborations and networks (stakeholder analysis): SACCO requires
certain support services or relevant infrastructure to enable it to operate effectively e.g.
insurance, banks, legal Services, government and development partners, regulators and
National Cooperative Organizations (Nachos)
28 Risks and Mitigation: susceptible to social, environmental, financial, Technological,
operational risks( policies, failed processes, systems or events that destruct business).
Identify key challenges that may face the implementation of the project. Make proposals
on various ways to mitigate the identified risks.
29 Monitoring and Evaluation:
Evaluation to be done quarterly to see whether objective, targets and vision of the
SACCO is being met.
Monitoring to be continuous
Activities Planned Timeline Responsible Achieved Variance Remarks
CIG/VMG
recruitment
Savings
mobilized
Share capital
Loans granted
Automation
Strategic plan
Indicate a feedback mechanism in terms of reporting.