Improving the financial sustainability and providing sustainable services to members <p>SFACFL Dhading is client of Agriterra since 2013. It is a federation of small farmer agricultural cooperatives in Dhading district  with about 42.000 farmers. The federation is member of NACCFL  the APEX organisation of SFACL in Nepal  having about 720 institutional memebrs . </p>

<p>Main objective of the federation is to support the members in being good cooperatives both in saving and credit as well as in agriculture.<br>The last three years Agriterra supported this federation in expanding its membership base  resulting in the coverage of the whole district. All member SFACL have their own credit and saving system  and when joining the federation  they get also access to credit facilities of the Small Farmers Development Bank  in ownership of all SFACL of Nepal. Hence acces to credit is (to some level) fulfilled.</p>



<p>Agriterra's cooperation focuses more and more on strengthening the Federation in providing good quality services for members to improve the agricultural sector  and do this is a financially sustainable way. The approach is to strengthen the capacity of the so called Lead Farmer: innovating farmers that are open to do new things and dare to take some risks. By training this top layer of farmers and supporting them in playing a model role and coaching role to others  it is expected that more farmers will follow the good examples and will improve their entrepreneurship by better productivity/ better quality and better marketing. Activities will focus on three topics: <br>- record keeping and bench marking at the farm level  <br>- improved soil management techniques and <br>- improved collective marketing/ better access to markets. </p>



<p>Dhading was heavily affected by the earth quake (april 2015) . The financial situation of the federation is not so healthy right now  as they waived the interest on loans of the member coops  resulting in a direct and long term loss. Hence   the federation would like to become financialy healthy again and has already taken some measures to overcome the problem caused by an emotionally driven decision. Agriterra will further support the federation in improving its financial management and financial sustainability (see special services.)</p> <p>1. Improved Financial management : enhance own income; cover overhead 100% by itself<br>2. Sustainable farmer led service provision focusing on better production and entrepreneurship<br>3. Improved access to quality seeds</p> <p>The activity plan for 2016 focuses on three main objectives:<br>1. Improved Financial management : enhance own income; cover overhead 100% by itself<br>2. Sustainable farmer led service provision focusing on better production and entrepreneurship<br>3. Improved access to quality seeds </p>

<p>Proposed activities are:<br>AD 1. At the federation level: <br>Financial management training and coaching<br>Strategic and operational plan of SFACFL<br>Strategy in place working towards 100% own overhead cost funding</p>



<p>Ad 2.<br>At the primary cooperatives level (10 SFACL are targeted with this programme): <br>- Role out of recordkeeping at the individual farmers level<br>- Benchmarking training for lead farmers and field staff<br>- Enhancing collective marketing strategies and Improved collective marketing by cooperatives<br>- Improved soil management knowledge: soil testing and soil improvement techniques </p>



<p>Ad 3. <br>Make a business plan for local seed production for maize  rice etc.<br>- implement the BP<br>-200 farmers are engaged in seed production and at least 1000 farmers have access to quality seeds<br>The activities were identified during the workshop: sustainable farmer led services. The services are provided by the federation  but lead farmesr and technicians of primary coopertiaves are the key change agents in the field. Services are provided on a cost sharing bases: partly subsidised   partly paid for by the primary coopertiaves and/or the federation</p>