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Access to financial services Connected Coffee Farmers program Grameen Foundation - COOCAFISA.

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Presentation on theme: "Access to financial services Connected Coffee Farmers program Grameen Foundation - COOCAFISA."— Presentation transcript:

1 Access to financial services Connected Coffee Farmers program Grameen Foundation - COOCAFISA

2 Data used Information collected during the year 2013 for a group of producers associated with COOCAFISA 1108, part of CAFE Practices. Subsample of 529 participants in the program Connected Coffee Farmers.

3 Economic viability - methodology Income per capita per day for each household was calculated based on information reported by producers and COOCAFISA on – Number of household members – Production – Area planted with coffee – % Of proceeds from the sale of coffee – Purchase price to the producer – Profit margin producer Economic viability categories are built as: – Viable farmers: generate enough IPC to be above the poverty line – Viable (+productivity): group of farmers whose IPC is lower than the poverty line, but would be higher than the PL if they could increase their productivity to the level of the viable farmers – Viable (+productivity +area): group of farmers whose IPC is lower than the poverty line, but would be higher than the PL if they could increase their productivity to the level of the viable farmers and increase their crop size with area that may be available (calculated as farm area – crop area – 0.2 hectares) – Non viable: group of farmers whose IPC is lower than the poverty line, and WOULDN’T be higher than the PL if they could increase their productivity to the level of the viable farmers and increase their crop size with area that may be available (calculated as farm area – crop area – 0.2 hectares) The parameters used are the following (under revision) – Price: 6700 Colombian pesos / Kg – Profit: 15% – National rural poverty line: Colombian pesos / day / household member

4 Farm management - Methodology The management of the farm according to the methodology of the National Federation of Coffee Growers The total score is calculated as the weighted average of the scoring of each dimension (Productivity, density, age and quality. The score of each dimension is taken from a score card built by the technical team of the Federation. *Data on quality is not being collected yet

5 Income and farm mgmt - Viability 327 productores con posibilidad de obtener ingresos suficientes para satisfacer sus necesidades básicas. De estos, 128 ya generan estos ingresos. CCF farmers Potenciallly viable Not viable

6 Iincome and farm mgmt – viability and farm mgmt De los 327 productores que generan ingresos mayores a los necesarios para satisfacer sus necesidades básicas, 207 tienen una calificación Alta o Muy alta en el manejo de su finca. CCF Farmers Potentially viable Mid-low category High, very high category Not viable

7 Of the remaining 207 producers, 183 have current debts, of which 155 haven’t miss their peyments. The latter group could receive an additional debt. The remaining 28 producers are viable, have good management of his farm and have no outstanding debts, indicating that they are also potential recipients of credit. Iincome and farm mgmt – farm mgmt and payment capacity

8 Agronomic profile MUNICIPALITYFarm size (Ha) Coffee area (Ha). Production (Kg) Productivity Density ALTAMIRA ANZA BETULIA CAICEDO CONCORDIA SALGAR URRAO TOTAL

9 Financial profile MunicipalityHas debtHaven’t defaultHave bank accountSaves ALTAMIRA6.56%7.10%11.61%20% ANZA6.56%7.10%11.61%4% BETULIA14.21%16.13%8.04%10% CAICEDO15.30%17.42%25.00%8% CONCORDIA9.29%6.45%2.68%8% SALGAR33.88%30.97%31.25%34% URRAO14.21%14.84%9.82%16%

10 Financing needs Municipality Drying machine in bad conditions Depulper in bad conditions Fermentation tank in bad conditions ALTAMIRA 0.00%85.71% ANZA 0.00%42.86%92.86% BETULIA 0.00%60.71%82.14% CAICEDO 12.00%62.07%93.10% CONCORDIA 22.22%50.00%85.00% SALGAR 9.52%64.71%89.71% URRAO 0.00%52.94%97.06%


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