DEG

That is the name of a very important project in CAMEROUN in Africa AND IN THE WORLD AT LARGE.iT IS DEALIND WITH THE SALE AND MANIFACTURING OF AFICAN PRODUCTS in fashion, ect...
NB THE PROFITABILITY THE IMPACT ON DEVELOPMENT AND UNEMPLOYMENT ARE INCREDIBLE...
ERICK EBOBISSE IM ON LINE

did you finance a poor farmers in the philippines who has land but lack of market of their agricultural produce. They can plant all tropical crops that are saleable to global market. So if you can help us what is the requirements needed. Or give us the condition and the necessary list of documents needed by your office.

tell how informal construction workers in tanzania can be suppeorted in order to reduce poverty, protect the environment ? a brief business plan has been prepared but not yet submitted. they want tools, machinery and technology

I wish to apply for financial assistance on behalf of two companiesn Ghana.

Provider Fishing needs a re-financing assistance of $2 million to finish-up repair work on fishing trawler, pay-up existing loan and use part as working capital.

Springwave Ltd needs $600 000 to operate a salt mine for export and domestic sale.

mY CONTRIBUTION IS TO INDICATE YOU THE CONTACT OF A SOUTH AFIRCAN industrial company named ZHAUNS. Their Web site is zhauns.com. To really help you, let me give the e.mail of the marketing manager RIAD AMED. EMAIL: riad@zhauns.com
Kindly tell him that it is ERICK EBOBISSE from CAMEROON that advices you to get in touch with him for your project...
MAY GOD BLESS YOU HYACINTHA!

Dear Sirs,

We require USD 4 millions funding for agriculture project in Bangalore, India. For project details indly refer to :

www.bidnetwork.org/artefact-66354-en.html

Thanking you in anticipation,

Yours

Dr S.D.Manay

well i would request for financial assistance for small scale pig production in ma farm that is large and nothing much happens on it. the amount could be aprox 10,000usd

Hi! Am James Orery,Graduate in Mechanical Engineering and I participated in the 2007 BID Challenge with a proposal on the above topic. Its about an Appropriate Technology that will take(generate) Electricity to the rural and arid areas in Kenya and any where in the world to support the cottage Agribusiness industries, rural market centres, Rice and wheat mills, homes among others.It will help save trees cut for cooking and green house gas emissions by cutting down Kerosine and diesel used in rural, reduce use of woodfuel and logs cut by KPLC for power distribution (Electricity poles).It will deliver electricity at half the rates charged by Kenya Power and Lightling Company (KPLC)

It will also be used by companies such as Cement and Beer companies whose nature of operation do not allow them to produce power from boilers and this will reduce their production costs significantly due to reduced energy costs hence high profitability.

lt will also be able to stand as an Independent power producer project to KPLC that do not rely on diesel for electricity generation as done the existing ones.It be partnered with existing International Independent power providing companies such as Aggreko International.

I wish to get more relevant information on partnership and financing from your institution as well as others that have international reputation, are serious and with interest in Energy, Environmental,Poverty reduction and Employment.

We are very motivated and pleased to present to you our organization, A&P Consulting. A&P Consulting is an organization that is focused on developing the private sector in Cameroon and the rest of the central African states by providing consulting services to businesses in the following areas:

• Capital sourcing for business start-ups and expanding businesses
• Investment evaluation and appraisal
• Business plan and project writing, implementation and monitoring
• Implementation of computerized financial management systems
• General business consultancy including studies aimed at attracting foreign investors to have access into the Cameroon and CEMAC market.

We are currently at the stage where we are focusing on developing our portfolio of funding & venture capital institutions to partner with in terms of recommending projects for funding and making these funds available to the projects that meet the funding criteria.

This partnership if concluded is going to play a strategic role in the way we deploy our consulting services, especially our CAPITAL SOURCING SERVICE that we offer to clients whose projects we have studied and edited for funding.

We have our full business plan. We will be ready to provide you with additional information concerning our services and how your institution can provide a vital link in our production chain and help bring projects into realization.

Best regards,

Andoseh Ugwaa
CEO A & P Consulting
Email:andoseha@yahoo.com
Tel: +237 77453277

Dear friends,
Greetings.
I am interested to start a dairy and a horticulture project to boost entrepreneurship in the areas of milk production, horticulture and organic farming in Chittoor district, A.P., India with a working capital of US$ 85,000. The project activities include milk production, organic compost production, medicinal plants conservation, Vermiculture and horticultural activities. The general objective of this project is to promote entrepreneurship for sustainable rural development, which will improve the rural economy and provide job opportunities for many unemployed men & women from the villages in our area. I need either a loan or grant for this project. Please let me know whether you can support me. My email ID: scani@rediffmail.com / johnscani@yahoo.co.in.
Phone: +91 9845581845
Await your early reply.
Regards.
Johnson J. Kennedy
India

In 2007 we received an exclusive mandate from a chiefdom in West Africa to rehabilitate and develop a 40,000 hectares oil palm wild grove into a profitable Oil Palm Plantation. Based on own investigation with industry professionals, and a provisional agricultural survey, we have developed a Business Plan with financial figures and are very confident of its feasibility. To transform the paper plan into sustainable realty requires a multimillion investment. It is for that reason that we are looking for financial institutions and private investors to obtain fund for a Feasibility Study. If this proposal meets with your investment code we would highly appreciate an invitation to introduce the project.

No (rain)forest needs to be cut to cultivate this oil palm plantation and to upgrade the existing small farms owned by the local outgrowers!

Looking forward to hear from you.

Sincerely.

Mano Properties & Investment Inc.
Willem Tijssen/CEO
www.manoproperties.com

I got a huge project in uganda. We have bought 140.000 hectare of ground. this ground is good for a farming project. We are going to start the largest farm in africa. If you are interessted in these project. Contact us.

Attached herewith please find our proposal which contains an explanation of what we require,kindly assist us.
SUDEP(SUSTAINABLE DEVELOPMENT PROGRAMME)
We are a newly registered CBO(Community Based Organisation) situated in Eldoret town,in Uasin Gishu district in the rift valley province of Kenya.We came together as a group of business people and farmers to be able to pool resources to uplift ourselves financially.We operate a merry go round where we rotate advancing money to one person every month hence the concept of village banking.We have however reached a level where we feel we need small loans since it takes a while to cover all the current members yet our businesses require constant financing to meet the customer demands for business growth hence sustainability.lt is for this reason that we appeal to a financier who can advance us loans repayable at an interest.
Our proposal for this and which includes other business people not only in our group and division but also neighbouring divisions is as follows:

PROJECT PROPOSAL

PROJECT TITLE
Credit for business and farming start-up and development.

EXECUTIVE SUMMARY
Credit for business and farming start-up and development is a project which seeks to provide self-sustainable financial services to increase access to financial well being, asset accumulation, and enhance socio-economic development of a large number of business people in the community including women and youth in Uasin Gishu district.

The program aims at mobilizing savings, providing start-up advice and training to beneficiaries.Further,the program will provide credit to business people and farmers at an interest.

Initially, we are seeking funding from donors and willing donor institutions, for capitalization (loan capital) and operational expenses. Eventually, we shall rely on loan repayments, interest and fees charged.

TABLE OF CONTENTS

Page

1.0. Introduction 5
1.1. The background of implementing organization 5
1.2. Partnerships and collaborations 6
1.3. Problem statement 7
1.4. Management structure of other groups 7
1.5. Composition of members and reasons for formation 7
1.6. The need for micro financing to the other groups 7 1.7. Project beneficiaries 7

2.0. Description of project design and implementation 8
2.1. Project title 8
2.2. Goals 8
2.3. Objectives 8
2.4. Micro credit programme 8
2.5. Business development services 13
2.6. Institutional capacity building 14
2.7. How money will be recovered 14
2.8. Project area 15

3.0. Project organization and management 15
4.1. Project personnel 15
4.0 Project Monitoring and Evaluation 15

5.0 Project Sustainability 16

6.0 Budget Summary 16
7.0 appendices
7.1. The budget 17
7.2. Sample ledger 19
7.3. Sample ledger (contd) 20
7.4. Sample passbook 21
7.5. Transfer report form 22
7.6. Implementation plan 23

INTRODUCTION
1.1. The Background of Implementing Organization
Sustainable Development Programme (SUDEP)is nonpolitical,non-profit,but CBO (community based organisation),registered in Kenya.SUDEP started its operations in Uasin Gishu district of the riftvalley province of Kenya in 2005, when it was incorporated.It started implementing its projects in business training,business management,marketing and farming to its members. SUDEP hopes to implement programs in best farming practices,business development and export marketing.Its prime focus is to exploit decisive innovations for enhanced impact and sustainability of development action. The prime objective is to create emphasis on increased and sustained benefits to businesses in areas of our endeavors.
SUDEP has its offices in Eldoret town,which acts as its headquarters and field office.
In offering credit,SUDEP envisions a participatory community outreach program that emphasizes the importance of small savings and loan provision, group formation for community development, methodologies for poverty targeting, and/or operating in remote areas to help the unreached.

Our vision
To create conducive environment for possibilities and innovations for development action geared towards a destination of world’s best future livelihood strategies.

Our mission
Is to discover, mobilize, and support diverse communities exploit decisive innovations for poverty reduction, geared towards quality living and sustainable development.

Ultimate control of SUDEP is the responsibility of the officials.These constitute the policy-making organ of SUDEP.Additionally,SUDEP has a strong management structure which comprises of The Chief Executive Officer and besides him are Finance and Administrative Officer, and Program Officers. This team of officers manages the day- to- day affairs of the organization to achieve its objectives. This is a decisive team working hard to meet targets while strengthening linkages to enhance benefits to our beneficiaries through effective program implementation, networking, and collaborations.

1.2. Partnerships and Collaborations
1.2.1. Social Services Department: will help in the technical aspects as regard groups formation, registration, and performance.

1.2.2. The Ministry of Agriculture: will be useful for on farm demonstrations and in extension service. They will be involved in the training of beneficiaries in the areas of organic farming, food security, and other aspects of environmentally friendly farming techniques.

1.2.3. Universities and academic Institutions: will be necessary in conducting applied research for adaptability reasons and for exchange and dissemination of information regarding the same. We shall have a consultant to aid the project for the same whenever and wherever funds will be available especially at the end of project.

1.2.4. The community: will participate in project planning, monitoring and evaluation right from inception to the end, including decision making, and contributions in terms of labour, materials, and monies appropriately.

1.3. Problem Statement
In many developing economies that solely depend on agriculture, increased poverty due to high levels of unemployment, lack of food security due to shrinking arable land-resulting from high population pressure and constant land subdivisions have made households vulnerable to income changes. Prolonged land use and environmental degradation have led to decreased agricultural productivity per acre for the rural households’ hence making them more vulnerable, to slight shifts in incomes and food security.
Over 90% of people living in the rift valley province of Kenya depend on farming for their livelihoods.ln fact the province is the country’s bread basket. Majority of these people are very poor living below the poverty line. In Uasin Gishu district poverty levels still remain high despite growth in economy over the past five years.Recent increases in consumption costs as a result of the post election violence has led to many households vulnerable to low access to health services’ provision, poor access to quality education, and real reduction in disposable income per household,all these defined as poverty.
However, safety nets to assist low income families to produce and access their basic needs like health and education are not very accessible.
Most financial institutions require collateral for which is unavailable for most poor households, hence increased poverty and inequality.

1.4. Management Structure of the groups
The groups have board officials comprising of the Chairman, treasurer, and the secretary. Also there are two ex officio members and/or two assistants to the chairman/secretary, whichever is deemed fit.

1.5. Composition of Members and Reasons for Formation
Most of the self-help groups were formed by various individuals for their own various reasons,geared toward poverty reduction and self development efforts. However,most of the groups were formed with view of socio-economic empowerment of poor and vulnerable households especially those caring and supporting orphans and Vulnerable children in the district.

1.6. The Need for credit
We need credit as part of an integrated programme for alleviation of poverty and vulnerability thereby increasing the wellbeing of the poorest households. Development- is interventionist poverty reduction and community development paradigm, which requires a neo-liberal market growth. .
We offer credit at every point for economic, social and political empowerment especially for women thus the promotion of gender equality and human rights.
Generally, credit, which when given appropriately,helps in building assets and smoothing the income requirements,it can also convert very small irregular incomes into huge lump sums to augment livelihood strategies and greatly reduce vulnerability.

1.7. Project Beneficiaries
The targeted beneficiaries are poor businessmen and rural farming community of Uasin Gishu district.Self help groups will be identified for the project.

Division No. of groups Approximate No. of members per group
lten 5 15
Township _Eldoret 5 15
Marura 6 15
Chepkanga 9 15
Kapsoya 7 15
Wareng 9 15

2.0. PROGRAM DESIGN AND IMPLEMENTATION
2.1. Project title: Micro Financing for Poverty Reduction and Community Development.

2.2. Goal: To provide financially self-sustainable financial services, which increases access to financial wellbeing, asset accumulation, and socio-economic development for large number of people especially women and youth?

2.2. Objective
1. To provide savings mobilization for self help groups.
2. To provide support to self help groups by providing advice and training for business development and poverty reduction.
3. To provide accessible credit to self help groups and/or members undertaking viable self help projects, thereby leading to increased incomes, savings and investments.
4. To provide self help group members with mechanisms for interaction, mutual support and training in income generating activities.

2.3. Micro Credit Programme
Micro credit program is a programme for alleviation of poverty and community development to vulnerable households which will increase the well being of poorest households. The purpose is to lend amounts of money to a large number of customers who are poor and cannot afford collateral. We shall consider groups that have at least 10 members to 15 . Group lending shall involve the transferring of the financial administration onto members and the risk of non-repayment from the institution (us) to the group peer pressure and joint liability.
This programme shall extend loans to saving groups for existing profitable projects and economically feasible projects. All recipients must belong to a group and must meet eligibility criteria.

a. Credit Group Certification
Certification for a group to borrow will be the responsibility of the loan manager working in close consultation with the field agent. The loan manger shall visit each group in the field and provide approval. Upon his visit he shall find out:
• The economic activities of the group and how the money will be utilized.
• About the main economic problems of the community.
• The bylaws and explain the most important ones.
• What the group may do if one of the members does not make loan payment.
• The loan manager generally observes the group and looks for harmony or tension among members. If satisfied he approves the group, if not he may advice them accordingly.
Before loan disbursement,certification by community leaders shall be required.The chief, assistant chief or church leader endorses the form before loan approval.

b. The Loan Purpose
Loans will be advanced to finance the existing projects or feasible ones. We shall finance all the viable projects including micro starts,stocking agriculture, and livestock production.
c. Interest Rates
We shall charge loan interest rates that will cover the cost of capital, and estimated losses or defaults.
dLoan Amounts
We plan to give our clients working capital and micro-loans for the purchase of small assets. Loan ceilings will be determined by loans manager. Repayments shall be made weekly, and/or monthly-capital plus interest.
eLoan Application
Loan applicants are selected by group management committee. Application forms will be available from the Field Agent and issues through the committees and filled through the committees, to each individual borrower or the group.
f.Savings
Every loan applicant will have to provide a liquid savings to qualify for loan awards. Savings will not be tied to loan applications but shall be a virtue inculcated in the group member. We shall provide easy access to such savings, safety and positive returns to encourage savings.
g.Forced Savings
To accustom future borrowers to be financially disciplined, and to serve as collateral,we shall require that any interest due to savings by the individual be converted into his/her shares..Additionally,for those with viable businesses and have no savings, upon special consideration, we can convert 5% of final loan amount in savings of the individual in his shares.

2.3.1. Loan Monitoring
Loan monitoring will be done by the credit management committees, through treasurers assisted by group members and the Field Agent.

a. The ledger-
This will record information for each of the borrowers in the project’s past and present performance.It will be organized by the group in alphabetical order.Each borrower will have his on a page in the ledger. The ledger will contain three parts: borrower profile, summary of loans, and record of payments.
b.Passbook:
The group treasurer is responsible for collecting and recording payments from the borrowers. She may give a receipt for the payment made to her. The group treasurer makes entries for the date and payments and calculates the new outstanding balances. The treasurer and the Field Agent will initial the passbook with the borrower.
Cash Transfer Report
The group treasurer/field Agent records each payment in the transfer report to track the repayment of the group’s loans. It lists the borrower’s name, the repayment amount transferred, and the date payment was done or received. The groups name and the treasurer/field agent are written on top.
a Cash Handling
The group treasurer shall deposit the weekly cash payments in the bank or secure depository. Disbursements will be done via bank cheques or drafts. Clients will make their payments via receipts. Collection of money shall be done during meetings and with correct signatures appended.
b Postings Receipt
Following each field visits the field agent will give transfer reports and any cash collection receipts to the loan manager.The loan manager will update each borrowers account by posting the payments from transfer reports to the ledger.The book keeper will also transfer reports to the transactional journal. This preserves the principle of checks and balances.
cTransactional Journal
This is used to record all the amounts of money flowing in and out. It will include inflows such as loan payment and outflows such as salaries. The book keeper while handling transactional journal diligently shall;
• Post money received or spent;
• Record amounts accurately, double checking his work;
• Handle recurring transactions consistently each time they occur;
• Retain and file a deposit slip for each money received; and
• Retain an invoice for money paid out.
d Producing Non Payment Reports
At the regular collection visits, the field agent enters on the non payment report form, the amount of payment due but not yet received. This is submitted to the manager along with other field reports. As past due payments are made, the field agent updates the report.
e Providing Delinquency Details
For problematic delinquencies,a summary of the ledger will be done. The loan manager will prepare a detailed sheet that includes:Borrower’s name, original loan amount, amount paid to date, current balance, date of last payment, number of payments due and total amounts overdue.
f Remedial Steps
When preparing for regular field visits, the field agent will know the total due on group’s regular installments any shortfall will be discussed by the group.We shall use pressure from the group to enforce delinquent payments.

2.3.2. The Impact on Loaness, Their Families and Society
a. Increases in income--successful micro finance results in empowerment of poor households to increased income levels.

b. Control over income and intra household decision making-traditionally, women,or the poor have their rights kept and their voices muted due to low income levels.By gaining access to high income earnings, they are bound to emancipate themselves by gaining control over their income and actively participate in broader development activities in the community, socially, economically and politically.

2.3.3. Importance of Rotating Savings and Credit Associations (ROSCAS)-Merry-Go-Round for Micro Financing
ROSCAs are vital to micro financing because:
a. They build social capital key to micro financing- effective social capital formation highly facilitates the delivery of micro finance inputs and outputs and at a reduced cost. Most firms use ROSCAs because of their easier accessibility.

b. Savings Mobilization, ROSCAs are easier and quick forum through which savings can be mobilized. Members save to meet their needs at opportune time and also as away of promoting social gathering, hence, ROSCAs become the best platform through which we provide credit to borrowers especially where collateral is lacking.

c. Loan Repayments: ROSCAs play a good role in fostering loan repayment especially when there are delinquencies from individual loan borrowers.The members of the concerned group are used to pile pressure on the individual defaulter to effect payments and they can also suggest strategies on how to deal with delinquencies.

2.4. Business Development Services
These are non financial services provided to small and medium based enterprises at various stages of development in micro financing in pre-start-up, start-up, expansion and modernization stages.Theses services encompasses: training
1. Advice and counseling
2. Information provision
3. Technology development and transfer; and
4. Business linkages
These services are aimed at assisting SMEs at overcoming both internal and external constraints on their development and therefore improve their performance.

2.4.1. How?
We shall design an intervention to promote SME needs
Identifying the SME needs- based on the following approaches:
• We shall look at felt/perceived needs- what SMEs perceive and state to be their problems. It reflects their immediate analysis of their situation.
• Objective/real/logical needs-these are what BDS organizations believe to be the problems of SMEs. It reflects their analysis of situation.
• Demand: it implies the willingness to pay for a particular kind of service delivery which will satisfy their felt needs, willingness to pay + felt needs through:
1. Needs assessment process
2. Being close to SMEs
3. Our being participative
4. On-going planning and learning
5. Developing a tight focus

Also, we shall, where necessary conduct
1. sub sector analysis or
2. Action research and /or
3. participatory rural appraisal

2.5. Institutional Capacity Building
Training is the most common form of Business Development Services (BDS) intervention.This will cover a broad swathe of interventions based on teaching-style,inputs,usually not on a one-to-one basis, involving facilitators/trainers and groups of trainees.Training will enhance SMEs learning.It will cover business management services, entrepreneurship and vocational subjects.It will help develop knowledge and skills covering:
1. What SMES do:based on subjects such as marketing,book keeping, production techniques and product development among others.
2. How to deal with problems-how to find new customers, pricing strategies material costs reduction,development of new product ideas and so forth.
3. Who with- introducing own-manager to useful resource people, potential customers, suppliers or collaborators and how to deal with them.

2.6. How Money Will Be Recovered
This will be done through groups on monthly basis

1. Through outreach: we shall have field agents responsible for outreach programs. They will guide on group formation, advice and counseling, and needs assessment among others.She will also meet groups,one at a time and discuss among other things, loan recovery and delinquency issues.

2. Debt collection: This will be agent from the group who will assist in recovery of monies.Suitably,the treasurer will do the collection of monies and issue a receipt.The treasurer assisted by fellow group members will follow-up those cases that are delinquent but she/he shall not handle money in cash.

3. Through Group Guarantees: members of the group to whom the defaulter belongs will have to take up any liability in case of demise, exit ( of membership while servicing loan)

2.7. Project Area
We shall implement this project in Marura,lten,Kapsoya,Wareng divisions of Uasin Gishu district,these are divisions in the district which is in the rift valley province of Kenya.The rift valley province forms the bread basket of the country.This therefore will ensure sufficient food production for the entire nation’s granary.
It has a population of over1, 370, 608 people, with 75% of them below the age of 30. It covers an area of 2262sq Km out of which 137 sq. Km is under permanent water.
The inhabitants of the district are mainly the Kalenjin tribe.Economically, the district depends mainly on agriculture.

3.0. PROJECT ORGANIZATION AND MANAGEMENT
3.1. Project Personnel
1. The loan manager: the CEO, will spearhead staff to engage in proper planning, co-ordination, supervision, and overall implementation of the program for sustainability.

2. The Field Agent a professional with experience of at least 3 years which is relevant experience will be recruited to manage or run the day to day operations. In conjunction with the management, group, he/she will be a liaison officer reporting to the SUDEP.

3. Accounts Clerk: accountant with at least 2 years of relevant experience will be hired to assist with bookkeeping and accounting aspects of the project on the daily basis.

4.0. PROJECT MONITORING AND EVALUATION
There will be joint evaluation by the management team and all beneficiaries involved. The beneficiaries will submit monthly returns to the management team while the management team will submit quarterly progress reports and consolidated project implementation reports quarterly or biannually to financiers.

The loan manager will perform attendance records checks, contact follow ups and file outcome reports on a quarterly and yearly basis.

5.0. Sustainability
We hope the project will sustain itself overtime through fees and levies charged.

6.0. Budget Summary

Description Year 1
Program administration 446,800
National staff costs 987,900
Capacity development 155,000
Capitalization 3,305,300
Capital expenditure 85,000
Total 5,000,000

APPENDIX 1: THE BUDGET
Project Title: Credit for businesses development and farming
Project Period: June 2008to May 2009
Budget Currency: Kenya Shillings
Total Budget: Ksh 5,000,000
Code Description Unit Unit cost Quantity Total cost notes
PROGRAM ADMINISTRATION 274,000 Being the operating funds
>Stationery A month 5,000 12 60,000 Estimate
>phone/fax A year 5,000 12 60,000 Estimate
>office rent A month 5,000 12 60,000 Estimate-previous cost-space
>bank charges
>Electricity/water A month 2000 12 24,000 Estimate, based on average cost
>books, manual/publications lumpsum 20,000 1 20,000 Estimate per year
>program’s contribution to audit fee A year 30,000 1 30,000 50% paid by SUDES’A

NATIONAL STAFF COSTS 987,900
>loans manager A person 30,000 12 360,000 Spends 40hrs +a week on project
>field agent A person 25,000 12 300,000 Spends 40hrs +a week on project
>accounts clerk A person 25,000 12 300,000 Spends 40hrs +a week on project
>Medical costs A person 8,500 3 25,500 Estimate based on market cost
>NSSF A person 200 12 2,400 Statutory requirement
Capacity Building 175,000

Baseline survey Lumpsum 25,000 1 25,000
annual review A year 25,000 2 50,000 Involving key participants
Evaluation A year 50,000 1 50,000 Includes consultancy cost
Institutional linkage/training lumpsum 50,000 1 50,000

Loan Capital A year 3,350,300 1, 3,305,300 Funds to lend to groups

TRANSPORT/EXPENSES 172,800
Travel/reimbursement A month 10,000 12 120,000
Lunch for field staff A day 150 352 52,800 2staffsx4daysx4weeksx11 months

CAPITAL EXPENDITURE 85,000
New Computer Item 70,000 1 60,000 Printer inclusive
Office furniture Unit 7500 2 25,000 For project staff
Total Budget Cost 5,000,000

Appendix 2: The Sample Ledger

LEDGER: BORROWER PROFILE
PART 1

Group Borrower ID
Borrower Gender
Address Family Income (Source)

LEDGER
PART 2: SUMMARY OF LOANS
Loan number 1 2 3 4
Purpose
Date issued
Principal
Interest
Fees
Total loan
Terms
Interest

Appendix 3: Sample Ledger (Contd)

LEDGER
PART 3: RECORDS OF PAYMENT
Week/month Date due Total due Date paid Total paid Balance Comments
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.

Appendix 4: Sample Passbook

PASSBOOK
Group Name Payment
Name Every
Loan Amount Until
Wk /mn Date Due Total Due Date due Date paid Balance Comment

Appendix 5: Transfer Report Form

TRANSFER REPORT FORM
1. BORROWER’S NAME PAYMENT/SHARES DATE
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.

Appendix 6: Implementation plan

No. Description 2007 2008
8 9 10 11 12 1 2 3 4 5 6 7
1. Hiring of personnel
2. Baseline survey
3. Training in business development
4. Outreach/program marketing
5. Credit provision
6. Institutional linkages
7. Loan monitoring