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Yves Boily: currently working with Desjardins Yves has a Master ’ s Degree in Microbiology from the University of Montreal. For D é veloppement international.

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Présentation au sujet: "Yves Boily: currently working with Desjardins Yves has a Master ’ s Degree in Microbiology from the University of Montreal. For D é veloppement international."— Transcription de la présentation:

1 Yves Boily: currently working with Desjardins Yves has a Master ’ s Degree in Microbiology from the University of Montreal. For D é veloppement international Desjardins (DID), he has carried out and supervised appraisal, monitoring, analysis and evaluation missions in Europe, Africa and Asia. He has over 23 years of experience related to the management and development of international projects (Africa, Asia and Central and Eastern Europe)

2 Eleven years as university teacher in medical, science and agronomy faculty in Africa. Program Officer (1988-2000) in charge of the management and monitoring of various savings and credit projects, microfinance projects as well as micro- enterprise financing projects. In 2000, he was appointed as Market Development Director at DID's head office and was in charge of the bidding process in the organisation.

3 Roles of SACCOS Network in Value Chain Finance Yves Boily Paul Julien

4 DID Part of Desjardins group. Canadian largest financial cooperative. –5.7 million members –40,000 employees –125 billion USD in asset Corporation specializing in providing technical support for the community finance sector in developing and emerging countries since 1970. Desjardins office in Montréal

5 23 DID’s partner networks in 20 developing or emerging countries. 7,5 million members or clients Goal: fostering communication among institutions that share the same business model and values, and in order to further sound community finance practices. PROXFIN management committee

6 PAYSRéseaux financiers membres de PROXFIN Nombre de membres ou clients BENINFédération des caisses d’épargne et de crédit agricole mutuel du Bénin (FECECAM) 506 415 AFRIQUE RÉGIONALECentre d’innovation financière (CIFsa) * BURKINA FASOFédération des caisses populaires du Burkina Faso (FCPB) 901 236 CAMEROUNCameroon Co-operative Credit Union League (CAMCCUL) 97 647 GUINÉERéseau des caisses populaires d’épargne et de crédit Yètè Mali 35 678 HAÏTIAssociation des coopératives d’épargne et de crédit haïtiennes (ACOOPECH) 210 457 INDEBASIX 265 600 LITUANIELithuanian Central Credit Union (LCCU) 61 032 MALIRéseau des caisses d’épargne et de crédit Nyèsigiso 162 117 MALIKafo Jiginew (Fédération des caisses mutuelles d’épargne et de crédit de la zone Mali Sud) 205 694 MAURITANIEAgence de promotion des caisses populaires d’épargne et de crédit (PROCAPEC) 47 316 MEXIQUEConfederación de las cooperativas de ahorro y crédito de México (COFIREM) 2 103 884 MEXIQUESERFIR, S.C. de R.L. de C.V. (Chiapas-Tabasco) 19 896 NICARAGUAFINDESA 39 984 NIGERMutuelle d’épargne et de crédit des femmes (MECREF) 20 939 PARAGUAYCentral de Cooperativas del Área Nacional Limitada (CENCOPAN) 197 746 PHILIPPINESNational Confederation of Co-operatives (NATCCO) 1 046 298 RUSSIENational Union of Non-Commercial Organizations of Mutual Financial Assistance 222 000 RWANDACentre financier aux entrepreneurs (CFE) – AGASEKE 24 245 SÉNÉGAL Union des mutuelles du partenariat pour la mobilisation de l’épargne et du crédit au Sénégal (UM- PAMECAS) 288 876 SRI LANKASANASA 858 125 TANZANIEDunduliza 43 144 TOGOFaîtière des unités coopératives d’épargne et de crédit du Togo (FUCEC) 196 935 TotalNombre total de familles jointes par les membres de Proxfin :7 555 264 Nombre total d’individus touchés par les membres de Proxfin :35 000 000

7 Proximity services to small scale farmers; Financial support to local farmers organisations; Adapted loan products to all value chain links within the community; –From the field to final customer Promotion of good credit and saving habits; Development of entrepreneurship and local autonomy. Roles of SACCOS in Value Chain Finance

8 From the Field to the Customer

9 Equipment loans Inputs and working capital loans Storage loans Processing and business loans SACCOS

10 SACCOS contribution: Increase productivity –Access to capital give access to inputs and equipment Add value to agricultural products –Loans for processing, packaging, etc. Bring product to consumer –Loan to distributors or retailers Provide food security in the community –Financing storage Impact of SACCOS in Value Chain

11 Warehouse Receipt Model OTIV - Madagascar Dunduliza - Tanzania

12 Farmers SACCOS Warehouse Receipt Storage loan Crop delivery Receipt Storage

13 Farmers Warehouse SACCOS Destocking Repayment Savings account Withdrawals as needed

14 SACCOS - AMCOS Synergy Model Nyèsigiso – Faso Jigi (Mali)

15 AMCOS (Agricultural Marketing Cooperative Society) SACCOS SACCOS UNION MOU (Memorandum of understanding) Repayment Crop sale Harvest Cash advance # 1 (60%) Cash advance # 2 (40%) Refinancing SACCOS if needed Inputs Crop delivery Repayment transfer

16 Factoring Model Kafo Jiginew – Mali RCPB - Burkina Faso

17 Cotton company SACCOS Cotton growers’ groups 1 1 Inputs request & credit appraisal 2 2 Inputs delivery 3 3 3 Invoice transfer 5 4 4 5 6 6 Cotton delivery 7 7 Cotton payment 8 8 Loan recording Invoice payment Factoring model $ $ $ Loan repayment + deposit in farmers’ savings account 1

18 Some Results Loan products & SACCOS Networks Volume of Credit Number of Farmers Average Repayment Rate Factoring loans (cotton) Kafo Jiginew – RCPB +/- 36 millions USD75,000 98% (2006/2007 N/A) Storage loans (Paddy) OTIV-Madagascar +/- 1 millions USD85099% Inputs loans - AMCOS (Paddy) Nyèsigiso - Mali +/- 1 millions USD1,20099%

19 Conclusion SACCOS proximity to small farmers can give a better access to financial services and contribute to improve value chain finance performance –SACCOS can sometime do it alone when conditions are met: Regular rain or irrigation, good access to market, stable prices, diversified sources of income, know how, etc. –SACCOS can also be a part of an integrated value chain finance model Contract farming, synergy with AMCOS, factoring, etc. –SACCOS need to share risk when agriculture lending is too hazardous and could endanger members’ savings: Guaranty funds, crop insurance, special credit line, etc.


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