This case study describes the history and business model of the Rural and Community Bank (RCB) network in Ghana, analyzes its performance, identifies key issues, and makes recommendations on the way forward. The study analyzes the service delivery and financial performance of the RCBs. Before the establishment of RCBs in the late 1970s and the subsequent expansion of other service providers into rural areas, access to institutional credit for farm and nonfarm activities was scarce. The main sources of credit were moneylenders and traders that charged very high interest rates.
The rural space is home to 53 percent of Nigeria's population and more than 70 percent of its poor. While it is well understood in Nigeria that financial exclusion of the rural population stunts development, still fewer than 2 percent of rural households have access to any sort of institutional finance.
Many of the world’s food-insecure and undernourished people are smallholder farmers in developing countries. This is especially true in Africa. There is an urgent need to make smallholder agriculture and food systems more nutrition-sensitive. African farm households are known to consume a sizeable part of what they produce at home. Less is known about how much subsistence agriculture actually contributes to household diets, and how this contribution changes seasonally. We use representative data from rural Ethiopia covering every month of one full year to address this knowledge gap.
Poverty reduction is a long-standing development objective of many developing countries and their aid donors, including the World Bank. To achieve this goal, these countries and organizations have sought to improve smallholder agricultural productivity in Sub-Saharan Africa (SSA) as part of a broader rural development agenda aimed at providing a minimal basket of goods and services in rural areas to satisfy basic human needs. These goods and services include not only food, health care, and education, but also infrastructure.
The Private Sector Driven Agricultural Growth (PSDAG) project is a five-year (August 2014–August 2019) USAID-funded initiative implemented by International Resources Group, a subsidiary of Research Triangle Institute (RTI) International. The goal of PSDAG is to increase incomes of smallholder farmers by promoting private sector investment through two complementary objectives: (1) to assist the Government of Rwanda to increase private sector investment, and (2) to facilitate increased private sector investment by upgrading agricultural value chains.
“Burera dairy opened in September 2015 but immediately had problems in sourcing milk as there was no organized supply chain” explains Managing Director Emmanuel Mahoro. “But things improved when everyone involved began to meet.” Beginning in November 2016 with a capacity needs assessment workshop, CDAIS has helped to bring different actors and interests together, followed by more meetings and coaching sessions. And in September 2018, a first reflection meeting assessed the achievements and remaining challenges, but also identified that benefits went far beyond just the dairy…
In November 2016, a CDAIS capacity needs assessment of a community milk processing centre started a process that has seen clear changes in less than a year. The Burera dairy was selected as one of the country’s ‘innovation niche partnerships’, and the assessment, workshop and associated training allowed participants to better understand the value chain, the issues, problems, and possible solutions. Now, Burera dairy is moving forward, and quickly….
Cassava is an important crop especially in the south of Rwanda. A processing factory was constructed, but it was unable to source enough roots to make it profitable. Since CDAIS became involved, however, actors got together, saw the problems and agreed ways forward. Now a few years later business is booming for all involved, from farmers with a secure market, producers of improved planting material, and the factory itself that produces much more cassava flour and now employs 230 people.
Centred on a reservoir and irrigation scheme for livestock keepers and crop producers, the core objective of CDAIS Rwangingo catchment was to promote fair, effective and efficient use of water, as well asconflict management through collaboration among users. It stimulated a partnership framework among water users, service providers (including extensionists, input suppliers and water users organisations ) and supporters (Agri projects, enablers).
Rwanda has experienced exceptional economic growth since 2000 despite more than 60% of the predominately-agrarian population living on less than $1.25 a day. Approximately 76% of the country’s working population are engaged in agricultural production, which makes up about one-third of the national economy. Agriculture is also an important source of foreign exchange, making up about 63% of the value of Rwanda’s exports.