Agri-Business Finance Fair Haramaya Nov 7-8, 2014

Catalogue Financial Institutions Capacity Builders Unions Private Companies

Improved Farmers’ Access to Financial“ Services and Investment

Inside Forward, 1 Previous Finance Fairs, 2 Bunna International Bank S.C, 5 Abay Bank S.C, 7 Cooperative Bank of Oromia (CBO) S.C, 9 Oromia Insurance Company (OIC), 11 Oromia Credit and Saving S.C (OCSSCO), 13 Commercial Bank of Ethiopia, 14 Harar Microfinance Institution, 16 Haramaya Farmers Cooperative Union, 17 Afren Kelo Cooperative Farmers Union (Ltd), 18 Cher-Cher Oda Bultom Farmers Cooperatives Union COBFCU), 19 Oborra Farmers’ Cooperative Union Limited Liability, 20 HU-ISSD, 22 Haramaya University, 23 Red een Kind, 24 Self Help Africa, 25 Development Expertise Center (Dec), 26 SCOPEinsight, 28 FSRE-Fund/ICCO Cooperation, 29 Oromia Agricultural Research Institute Mechara Agricultural Research Center, 30 Canadian Hunger Foundation (CHF), 32 Farm Africa /SOS Sahel Ethiopia, 33 Fedis Agricultural Research Center, 34 TGT Enterprise, 39 Bere Sericulture Production Limited Company, 40 Directory, 42 Agri-Business Finance Fair Haramaya Nov 7-8, 2014

Developed by AgriProFocus Ethiopia in cooperation with Haramaya University/ISSD

Platinum sponsor: Bunna International Bank Silver sponsor: Abay Bank

Design and editing: Agri-ProFocus Ethiopia, 2014

All information in this catalogue is provided by the financial institutions, the capacity builders and the private companies profiled here in. The Directories included are also assembeled from various public sources. The publisher will not be held responsible for any content provided in this catalogue.

Finance Fair Organization:

Platinum Sponsor Silver Sponsor Agri-ProFocus Ethiopia 1 Finance Fair - Haromaya This Haramaya Finance Fair Catalogue disseminated is by prepared Agri-ProFocus and Ethiopia farmers, bring to in is aim The University/ISSD. Haramaya collaboration with side, one from enterprises rural and organizations farmers’ together side other the from providers service financial and makers policy and builders/NGOs capacity of presence the at successes, provision service financial rural the on discuss to challenges, and recommendations against the challenges. This finance fair is based on prevailing mismatch between demand and supply of financial services in rural areas, and investment capacity of farmers and entrepreneurs of East and West Hararghe areas. The information contained in the catalogue, ifjudiciously utilized, are believed providers, service financial enterprises, rural organizations, to be vital to farmers,capacity builders/NGOs and policy makers for the purpose farmers’ of curbing problems of mismatch in demand and supply of financial services in rural areas. Moreover, contributes it in bringing more farmers and financial service providers together through open discussions subsequent at contacts. the Parallel forum of investment. contributes towards promotion and with these, the forum in fairs finance six conducted Ethiopia Agri-ProFocus far, So the country: Haramaya Finance Fair is the seventh one. On these finance fairs, farmers, farmers’ organizations, rural enterprises, financial serviceproviders, capacity builders/ NGOs and policy makers came on together how to curb and problems of discussed mismatch between demand for and supply in financial servicesaccompanied by some recommendations. in rural areas being We do have opinion of that these careful successive and Finance Fairs continuousunderstanding can use of farmers, improve financial service intuitive providers and capacity builders on financial services provision successes, challenges and possible suppose policy makers make use of the recommendations recommendations.We made in these also regards. Meanwhile, your comments and constructive suggestions are highly appreciated to make the aim of the Finance Fair a success. Addis Ababa Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved apf-ethiopia.ning.com Gerrit Holtland Forward [email protected] Agri-ProFocus Ethiopia Coordinator Ethiopia Agri-ProFocus Agri-ProFocus Ethiopia 2 Finance Fair - Haromaya

Haramaya is the 7th Finance Fair the seventh one. Agri- ProFocus Ethiopia organized 6FinanceFairs since2012.ThisHaramaya FinanceFair is To address thisproblem ofmismatch betweenprovisions, DDandSSsidesoffinancialservice be fieldvisit to share experiences. be presented anddiscussionswould beheldintheevent. Thesecond day oftheevent would suppliers, otherfarmer organizations and capacity builders. Moreover, about four papers will have a market placewhere farmers lookat thedisplay areas ofMFIs,Banks, equipment that bothcan understand eachother’s businessesandwould work together. Theevent will The ideaoftheFair aimsto connect bothDemand&Supplysideofthefinancesector, so little ornomeansofmanagingthesomerisks related to agriculture. have a valid businesscase, itwas often impossible to get access to financeasBanks have capacities andprofessionalism, andalsothelackof collateral isanissue. For thosethat do farmers, agricultural coops andrural SMEsasbeingnotbankable asthey lackorganizational than 15%andthisaffects thegrowth ofagriculture seriously. Banks have for long considered agriculture, butlike elsewhere inAfrica thelevel ofinvestment inagriculture hasbeenless major themesisaccessto financeinagriculture. Theeconomy of Ethiopia islargely basedon Agri-Hub Ethiopia isworking onarange ofthemesinagricultural development. Oneofthe organizations. Agri- ProFocus /Agri-Hub Ethiopia have more than866individualmembers and72affiliated agricultural development. via ‘Agri-hubs’: local networks ofprofessionals andorganizations active inagribusinessand Institutions workinginagriculture atglobal level. InAfrica itis workingin Twelve countries Agri-ProFocus (APF)isanetwork ofDutch companies, Banks, NGOsandAcademic Improved Farmers’ andInvestment Accessto FinancialServices Post-Event evaluation done. TechnoServe. Field visitorganized by Commercial BankofEthiopia & 4 papers presented. 16 organizations exhibited theirproducts &services. Institutions, Unions,Cooperatives, Rural SMEs & Farmers). Government Offices,NGOs,Banks, Microfinance Attended by 471participants (From Hawassa University, Hawassa University, College ofAgriculture. on December2012.Itwas organized incollaboration with The 2ndAgri-BusinessFinanceFair was heldinHawassa Hawassa 2012 Post-Event evaluation done. International BankandCooperative Bankof Oromia). Field visitorganized by TechnoServe (Theirwork withNIB 8 Papers presented. Banks, Insurance, Union/Cooperatives &SMEs). 10 Organizations attended the Market Place.(NGO’s, MFI’s, Insurance, Union/Cooperatives, MSEs). Offices, Academic Institution, NGO’s, MFI’s, Banks, More than250individualsattended, (from Government & Veterinary Medicine. collaboration withJimmaUniversity, College ofAgriculture organized inJimmaonOctober 2012.Itwas organized in The 1st Agri-BusinessFinanceFair was successfully Jimma 2012 Previous FinanceFairs Agri-ProFocus Ethiopia 3 Finance Fair - Haromaya Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Previous Finance Fairs Finance Previous Please visit the links below for the details. for below Please visit the links Finance Fair:http://apf-ethiopia.ning.com/group/finance-fair/page/jimma-fair. Jimma’s For http://apf-ethiopia.ning.com/group/finance-fair/page/hawassa-fair-8-dec. Finance Fair: Hawasa’s For http://apf-ethiopia.ning.com/group/finance-fair/page/bahir-dar-agri-finance-fair-6-7-april-2013. Finance Fair: Bahir Dar’s For http://apf-ethiopia.ning.com/group/finance-fair/page/mekele-finance-fair-24th-25th-of-august-2013. Finance Fair: Mekele’s For http://apf-ethiopia.ning.com/group/finance-fair/page/2nd-hawassa-finance-fair-1st-2nd-of-march-2014 Finance Fair: Hawassa’s For http://apf-ethiopia.ning.com/group/finance-fair/page/bushoftu-finance-fair-july-15-16-2014 Fair: Finance Bushoftu’s For Bishoftu city hosted the 6th Finance Fair organized on July 15-16 in Fair organized the 6th Finance Bishoftu city hosted . Seed Enterprise Unit/Oromia Oromia West ISSD South & collaboration than 350 individuals attended. More and services their product exhibited 15 organizations Over presented were 7 Papers Producer Cooperative Primary Seed Farmers’ to Biftu A field visit Bishoftu. 50 km from Wereda in Lume operating Bishoftu 2014 The 5th Finance Fair took place in Hawassa, the city that hosted hosted the city that place in Hawassa, took The 5th Finance Fair Hawassa 1&2, 2014 at on March also. It was the 2nd Finance Fair was University/ISSD Hawass compound. College Agricultural University the co-sponsor. 350 individuals attended. services and their product exhibited 17 organizations Over presented were 5 Papers by HU/ISSD organized Cooperative, Seed Producer Kayo to A field visit Hawassa 2014 Hawassa Mekelle 2013 Mekelle 24 & 25 , 2013. on August held in Mekelle was The 4th Finance Fair was II Project Development Seed Sector University/Integrated Mekelle of the fair. co-sponsor 300 individuals attended. and Capacity companies Private MFIs, Banks, from 12 organizations, & Services. their products exhibiting were Builders, presented. 4 papers MU/ISSD II Project. by Field visit organized Bahir Dar 2013 Bahir Dar 2013. Bahir Dar in April held in was Finance Fair Agri-Business The 3rd Amhara Development Seed Sector University/Integrated Bahir-Dar fair. of the co-sponsor II was Program fair. the attended & professional 250 farmers companies & Capacity Private MFIs, Banks, from 17 organizations, & Services. products their exhibited were Builders, presented. 4 papers II Project. BDU/ISSD by Field visit organized CBE, Bank, (Buna International made with discussion was up Follow Bank & ACSI). Abay done. evaluation Post-Event Agri-ProFocus Ethiopia 4 Finance Fair - Haromaya Improved Farmers’ andInvestment Accessto FinancialServices were utilized to meet theobjective ofthe event. collaboration. Inthispartnership; money, time& expertise capacity builders to organize theFinance fairs in Establishment ofPartnership withBanks, MFI’s and side. which isconnecting both connect thedemandandsupply workshop to linkingfarmers withthefinancialinstitution, Taking theideafrom theevent, ISSD/HUorganizes a requirements by thelenders. cooperatives andunionsuponthefulfillment ofthe than 236,000,000Birrwas approved to begiven to the International BankandUSAID/AGP-AMDe Project. More New Partnership were established between Buna host theFair. Academic institutions were find tobetheright place to Private sector engaged. discussed very well. The concept ‘’who theMissing Middle’’ willserve context. Communication &knowledge sharingon abroader Savings deposit&potential dealmaking was possible. Trigger businessrelationship, collaboration &partnership. offeredservices & conditions onaccess. Farmers got right information onthetypeofproducts & services. stakeholders that offer financial&non-financial products/ Farmers got theopportunityto meet &discussdifferent Success Stories Previous FinanceFairs Agri-ProFocus Ethiopia 5 Finance Fair - Haromaya Description Card & Card Any legal or natural person engaged in agricultural and/agro-industry business. and/agro-industry agricultural in engaged person or natural legal Any of the business Viability/feasibility repayment including the loan costs all cover of the business should Cash flow record clean track should have Client applicable where sales contract Valid the bank to shall be acceptable of collateral Type at be moderate risk shall the perceived analysis After attached to be documents /mandatory required and other application Written shall appear in person agent or legal Applicant type and loan tenure depending on collateral Variable 2-3 years Depend on viability of the business and type of security and strength As per bank policy & procedure one year of business but not exchanging Depends on type and nature - Bunna S.C Bank International 67 Branches: Website:http://www.bunnabanksc.com Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Master Card Master product of new Variety Service Late-hour For example: For Express Gram, Union, Money transfer-Western Money Juba and Dhabshiil Flo Cash, Transfast, Money, Banking Service International Service Credit Transfer Local Deposit Accounts terminal/Visa on Pos System Payment Card Other services Financial Institutions Financial Requirement for applying in terms in terms applying for Requirement of activities? Name of the Loan product Name of the Loan Requirements in terms of profit of in terms Requirements ability cash- of in terms Requirements (of loan or of business) flow credit of in terms Requirements history of sales in terms Requirement contract requirements Collateral is risk assessed? How the for Requirement applications(documents) procedure Application rates Interest schedule (min. /max. Payback period) Min. amounts amount Max. period Grace Agricultural Credit Products Credit Agricultural Agri-ProFocus Ethiopia 6 Finance Fair - Haromaya Liqii Oomishtoota Qonnaa Yeroo Surraa Bayinaa Gudda Bayinaa Xiqqaa baa.dheera) Sagantaa yeroo kafaltii(yeroo gaba- Kafaaltii Dhalaa Trtiiba Iyaana Barbaachisumaa Iyataa Balaan akkamitilmamaa? Barbaachisumaa Firoommi bitootatiin Barbaachisumaa gara qunamtii Barbaachisumaa gara seenaliqiitiin Barbaachisumaa gara malaqaatiin qabesumaatiin Barbaachisuumma gara bu,aa aan? Hojiiwaan Gafatamani fibarbachis Maqaa oomishaliqii Tajaajiltoota biroo ragara Tajaajila yeroo barsiifatee. Omishaa haraa gosaa ga Kafaaltii kardii kan akka kardii visafi kardii Masterii Quusannoo Dadabarsaa kan nannotokko yknkan biyya kessaa Tajaajila liqii Tajaajila BankiiAdunyawaa Juba Malaqaa dabarsuu Westerni yuniyeni, ManiyGirami, Exipres Moaniy, Filokash & Fakkenyaaf: Improved Farmers’ andInvestment Accessto FinancialServices - haala daldaalichaairratti hundaa’un garuu waggaa tokkotti waalhin geeddaru. Depends ontypeandnature ofbusinessbutnotexchanging oneyearGosaa fi Asperbankpolicy&procedure Akaa seera fi taartiiba bankiitiin hundaa’un Daldaala hojjatamuu danda’uu irratti hunda’e fi gosaiccitiificiminaa irratti Wagga 2-3 Akka seera liqiifi gosaa firoominaati nijijjirama Iyataan yknnamniiseeran bakka bu’u qaamanargama. Iyataa barreefamaa fi kannen barbaachisoo biroowaliti niqabatuu. Qooranaan boodaabalaaargamee nifoyaa’a Gostii firichaabankiidhannifudhatama. Gurgurtaa gatii qabesaa waliin kan deemu Maamilli haalaifaa ta.een galmaa’u qaba amuuf hooluqaba. Malaqaa sochoo’a kan daldalaagatii waan hunda golguu filiqaadeebi’e kafal- Argamiinsa daldaala lama. Namni seeran deemuukamiyyu Qonnaafidaldaalaqonnaainduusturii nibel International Bank S.C Weebsaayitii:http://www.bunnabanksc.com Financial Institutions Bunna Branches: 67 - Agri-ProFocus Ethiopia 7 Finance Fair - Haromaya - - - Description Abay Bank S.C Bank Abay All persons (natural or legal) engaged in lawful trading activities & creditworthy creditworthy activities & trading in lawful engaged or legal) (natural All persons business loans. borrow eligible to business (es) are sound. be financially viable and economically The business must cash out overall its cover to ability generating cash The business shall have plication) collateral offered for & other documents certificates Ownership Business plan and Financial statements, the Bank. by be requested can Other based on the Business nature - representa contractual or legal through be made in person, may Application convenience and as agreed tive, Based on loan period 1 year Short term 5 years Medium terms 10 years up to Long term Not set Not set of the busi based on the nature 3 years period up to grace grant The Bank can flow ness & its cash flows. his/her its previous in repaying record clean track should have The applicant loans. outstanding and current of the purpose is for when the loan request be considered can Sales contract - (Govern like made with the applicant specific sales agreement accomplishing guarantees. bank & NGO’s ment, as be offered can documents and legal and viable properties Immovable schemes collateral. all consider analysts policy& procedure assessment risk credit As per the Bank’s & other collateral financial, management, to business, in relation side of risks risks. letter Application license Trade certificate principal registration Trade license(if any) Investment company) of association(for Articles and memorandum spouse of ap company/ of the certificate(TIN)-shareholders Registration Tax - Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved

Financial Institutions Financial

Name of the Loan product applying in terms for Requirement of activities? Requirements in terms of profit of in terms Requirements ability cash- of in terms Requirements (of loan or of business) flow procedure Application rates Interest schedule (min. /max. Payback period) Min. amounts amount Max. period Grace

Requirements in terms of credit credit of in terms Requirements history of sales in terms Requirement contract requirements Collateral is risk assessed? How the for Requirement applications(documents) Agricultural Credit Products Credit Agricultural Agri-ProFocus Ethiopia 8 Finance Fair - Haromaya Other Services procedure Withdrawing Minimum amounts Interest rates Application procedure account Requirements to open product Name oftheLoan bank.com.et For furtherinformation please visit http://www.abay timetill9:00pm Services Provide bankable project Special service International Payment card: VisaandMaster card Consultancy services andadvisory Guarantee Money transfer- international andlocal International Banking Agricultural Products Service Improved Farmers’ andInvestment Accessto FinancialServices pass book in person withher/his The customers present Birr 25.00 5% Application inperson attested, andothers Article ofassociation - Memorandum and Number (TIN) Tax Identification investment certificate, license orrenewed - Renewed trade signatories card &photographs of - Valid andrenewed ID Company: photographs renewed IDcard, Individual: Valid and Saving Account Using checks 500.00 Birr 250.00/ 0% person Application in Registration Trade licensee tinNo. plus trade requirement Saving account Demand Deposit - Financial Institutions Agreed time Negotiable Negotiable person Application in requirement Saving account Fixed Time Deposit book her/his pass person with present in The customers Birr 25.00 5% person Application in certificate children birth guardian Id,the plus the requirement Saving account Special Saving Account Agri-ProFocus Ethiopia 9 Finance Fair - Haromaya P.O. Box: 16936 Box: P.O. Address: Address: Tel: +251 115152029 Tel: Fax: +251 115150489 +251 115150489 Fax: Establishment Establishment Flamingo, Get House Building House Get Flamingo, E-mail: [email protected] [email protected] E-mail: Finfinne/ Addis Ababa, Ethiopia Addis Ababa, Finfinne/ Salient Features Features Salient First bank of its kind in the country bank of its kind in the country First Website: www.coopbankoromia.com.et www.coopbankoromia.com.et Website: Social and cultural values oriented services. oriented values Social and cultural with paid up share capital of birr 112 million. capital with paid up share October 29, 2004 in accordance with article 304 of with article 304 29, 2004 in accordance October Ethiopia. CBO (S.C.) was registered commercially on commercially registered was CBO (S.C.) Ethiopia. services among cooperatives and other operators in and other operators services among cooperatives the demand and supply gap observed in the financial observed supply gap the demand and Commercial Code of Ethiopia. It was established in line established It was Code of Ethiopia. Commercial Birr 300 million. It started operation on 8th March 2005, on 8th March operation Birr 300 million. It started Cooperative Bank of Oromia S.C.was established to fulfill established S.C.was Bank of Oromia Cooperative with proclamation no. 84/1994 with authorized capital of capital with authorized no. 84/1994 with proclamation Broad ownership base and diversified ownership structure structure ownership base and diversified ownership Broad Committed to Breakthrough! to Committed Cooperative Bank of Bank Cooperative S.C (CBO) Oromia First private bank in the country established with big paid up capital with big paid up capital established bank in the country private First

No. of Branches 108 23 11 74 Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved

Financial Institutions Financial The Bank has invested in: The Bank has invested (OIC) Company Insurance Oromia PLC Orologo Dairy PLC Elemtu PLC Gutu Oromia Investment

Outlying Branches Branches Total City Branches (Addis Ababa) City Branches of Oromia Special Zone CBO Branches CBO Branches Vision To Provide full-fledged and customer and customer full-fledged Provide To banking services for responsive individuals, societies, cooperative with special & other entities and agro- agricultural emphasis to based businesses financing,to and through value shareholders maximize and disciplined use of competent and visionary leaders employee, modern banking technologies. To be competent, reputable and reputable be competent, To in Africa. Bank socially responsible Mission Agri-ProFocus Ethiopia 10 Finance Fair - Haromaya Others Cash) Agents Banking(Bel- Local Money Transfer ProductsServices/ International Banking Loan &Advances Deposit Improved Farmers’ andInvestment Accessto FinancialServices Services atServices Cooperative BankofOromia • Accept Foreign Bankchecks for Deposit • Travelers’ checkbuyingandselling • Cashforeign currency buyingandselling Express &SWIFT Gram, JubaExpress, AmanaExpress, Kaah Express, Bakaal Express, AMAL such asWestern Union,Dahabshiil, X-Press Money, Taran Express, Money • Remittance: Incoming foreign remittance through themoney transfer agents • Forex • Foreign BankGuarantee • Consignment basispayment • Advance payment • Documentary Collection • Documentary Letter ofCredit (LC) • Others. • Equipment/Machinery LeaseFinancingand • Construction Loan Machinery • Motor Vehicle Loan • Agricultural Term Loan • ImportLetter ofCredit Settlement Loan • Term Loan:(Short-Term, medium-term andlong-term Loans) • Letter ofGuarantee Facility • Revolving ExportCredit Facility • Pre-Shipment ExportCredit Facility • ImportLetter ofCredit Facility • Merchandise LoanFacility • Overdrawal • Overdraft Facility Credit products/facilities rendered by CBOincludes: • SpecialDemandDeposit:interestbearingdemanddepositofferedbyCBO • SpecialSavingAccount:asavingaccountthat’soperatedbycheque • ECX(EthiopianCommodityExchange)RelatedAccount • ForeignCurrencyAccount the parents/guardiansorbycourtorder • MinorsAccount:Anaccountopenedforunderagedindividuals(minors)by • FixedTimeDeposit • DemandDeposit • Non-InterestBearingSavingDeposit • SavingDeposits • CBA ATM Comingsoon • FinancialConsultancy Services • Administer managed fundsand • Onewindow bankingservices • Mobilepayment services • Delivers fast andefficient local money transfer service atallofits branches Services AvailableServices at CBO Financial Institutions Agri-ProFocus Ethiopia 11 Finance Fair - Haromaya Addis Ababa Livestock Livestock Insurance Index Based Index Megerssa Miressa Megerssa Groups or Groups Individuals in Zone pastoral Intermediaries may or Insurers collect or Insurer Intermediaries individuals to pay Satellite based forage availability No need No need with One year seasons two (Office) +251 118 962 094 (Office) +251 118 Head, Micro Insurance Dep’t Insurance Head, Micro Tel:( Mobile) +251 911 966 348 Tel:( Livestock Livestock Insurance Multi peril e- mail: [email protected] Groups or individual or individual Groups with ≥10 Livestock and paid by Collected intermediaries to pay Insurer Intermediaries to pay then they individuals report Death the assigned from committee of ”photo Letter, carcass” Individual- committee/group- OIC One year web: www.oromiaisurancecompany.com.et www.oromiaisurancecompany.com.et web: Weather Index Index Weather Group Collected and paid by intermediaries to pay Insurer Intermediaries to pay then they individuals Depend on amount rainfall No need No need season Cropping Crop Insurance Crop Products Insurance Oromia Oromia Multi peril Crop Multi peril Crop • Accidental Death Benefit (ADB) Benefit Death • Accidental (AD & D) Benefits and Dismemberment Death • Accidental (CAI) Benefits Insurance Accidental • Comprehensive (WOP) Benefits of Premium • Waiver Expenses Cover • Funeral Disease Cover Illness/Dread • Terminal ≥ 0.25 hectare for all for ≥ 0.25 hectare crops -Group and paid by Collected intermediaries to pay Insurer then they Intermediaries individuals to pay On spot loss verification farm (Physical assessment) fax through Call, letter - Union – OIC DAs season Cropping

• Group Term Term • Group • Individual Term (MPI) Insurance Protection • Mortgage (with or without profit) • Whole Life (with or without profit) • Endowment (with or without profit) Endowment • Anticipated Annuity (with or without profit) • Endowment (with or without profit) Endowment • Educational Endowment • Pure • Riders Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved

Insurance Company (OIC) Company Insurance LIFE INSURANCE LIFE Financial Institutions Financial OIC is an innovative company that transacts all classes of insurance under one roof. one under of insurance all classes transacts that company OIC is an innovative From 2010-2012 September : September 2010-2012 From than Birr 40,000,000 Sum Insured…more than Birr 3,000,000 Premium……more Total rural portfolio: portfolio: rural Total Number or rural clients: Number or rural in cooperative organized Farmers than 2,000 households) unions(more Requirement for applying for Requirement of activities? in terms of in terms Requirements payments premium Modes of claim payments is risk assessed? How the for Requirement applications(documents) the claim for procedure Application (claim) of insurance Period Name of the product Insurance Agricultural Service Products Agricultural Agri-ProFocus Ethiopia 12 Finance Fair - Haromaya

LIFE INSURANCE Improved Farmers’ andInvestment Accessto FinancialServices General Liability Insurance Marine Insurance –Cargo Plate Glass All Risks Insurance Bonds Travel Insurance Aviation (Cargo andHull) Engineering Money Insurance Motor Insurance Fire andAlliedPerils General Accident Insurance • Professional Indemnity • PublicLiability • Product Liability • InlandCarriers Liability • Species/Money • InlandTransit • Sea&AirFreight • Customs • Maintenance • Supply • Advance Payment • Performance • Bid • Contractors’ Plant andMachinery, andothers • Electronic Equipment Insurance • BoilerandPressure Vessel Breakdown• Machinery • Erection AllRisks (EAR) • Contractors’ AllRisks (CAR) • Motor Cycles andOtherMotor-Driven Vehicles • Agricultural andImplements Machinery • Motor Trader’s Comprehensive • Commercial Motor Vehicles • Private Motor Vehicles • Fire &AlliedPerils –LossofProfits • Fire &AlliedPerils -Material Damage • Accident &Illness/Medical Insurance • Workmen’s Compensation/Employer’s Liability • Personal Accident/Individual &Group OIC: OtherServices General Third Party Liability Road Risks Garage &Showroom Risks Third Party withFire &Theft Third Party Only Goods Carrying Comprehensive includingPersonal Accident Benefits in case ofOwn Third Party withFire &Theft Third Party Only Comprehensive includingPersonal Accident Benefits Products Financial Institutions Agri-ProFocus Ethiopia 13 Finance Fair - Haromaya All Voluntary 18+ Unrestricted 1,000.00 Unlimited Current Current Account No Both Group 18-60 15,000 Up to of 1 yr Max. Installment 10% 3% upfront 5% upfront 25.00 All Voluntary unrestricted Unrestricted 10 Unlimited Non-interest Non-interest Bearing No Geographic Operational Area: Operational Geographic Oromia National Regional State National Oromia State Regional Harari City Administration Finfine City Administration Diredawa Both Licensed Enterprises >18 years Based on business feasibility 3yrs Up to Installment 10% 2% in cash 15-20% 100.00 All Voluntary unrestricted ≥5 yrs 10 Unlimited Handura / Handura Minor/ 6-12% Voluntary Savings Voluntary Finfine All Voluntary 18+ ≥5 yrs 10 Unlimited Sorema / Sorema Pension/ 6-10% OCSSCO Loan Products OCSSCO OCSSCO Saving Products Saving OCSSCO Contact Address: Contact OCSSCO Head Quarter Head Quarter OCSSCO Fax: +251-115-57-11-52 +251-115-57-11-52 Fax: Both Group >18 15,000 Up to of 1 yr Max. End of term 15% 3% upfront 5% upfront 25.00 All Voluntary unrestricted Unrestricted 10 Unlimited Regular 5% Tel: +251-115-57-11-59/45 Tel: www.oromiamicrofinance.cm www.oromiamicrofinance.cm Kazanchis, Odaa Tower Building Tower Odaa Kazanchis, Oromia Credit and Saving S.C and Saving Credit Oromia (OCSSCO) 5% upfront 5% upfront 25.00 Both Group 18-60 15,000 Up to of 1yr Max. End of term 15% 3% upfront Rural GB loan Agricultural Input Loan MSE Loan Urban GB Loan Input Loan MSE Loan Urban GB GB loan Agricultural Rural Mandatory 18+ Depends on loan term 5% of the loan front up Monthly 5% Compulsory Saving Loan customers Loan Disbursement: 3 billion; Saving Mobilization: 2 billion Mobilization: 3 billion; Saving Loan Disbursement: Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Financial Institutions Financial OCSSCO has been providing micro insurance for group based /GB/ clients that are mainly farmers. The mainly farmers. are that based /GB/ clients group for insurance micro has been providing OCSSCO insurances. and crop base cattle index introduce to has also been under pilot test company branches and 82 302 full-fledged Outreach: 1 million; Branch Client: as of June 30, 2014: Active Status service posts Interest Rates Interest Min. Opening Balance Opening Min. Deposit Frequency Age Range Range Age Deposit period range Target Clients Clients Target Deposit Type Product Parameter Product Monthly Saving Monthly Application fees Application Saving Pre-loan Repayment Modality Repayment Rates Interest Loan Amount Range Range Loan Amount /ETB/ Loan Term Age Range of Clients, of Clients, Range Age Target Clients Gender Clients Target Loan methodology Product Parameter Product Agricultural Credit Products Credit Agricultural Agricultural Service Products Agricultural Agri-ProFocus Ethiopia 14 Finance Fair - Haromaya Agricultural Credit Products Interest rates Application procedure applications(documents) Requirement for the How isriskassessed? Collateral requirements sales contract Requirement interms of credit history Requirement interms of business) of cashflow (ofloanorof Requirements interms profitability Requirements interms of activities Requirement interms of product Name oftheLoan E-mail:[email protected] Website:WWW.combanketh.et Tel: 251-551-50-04,Telegram: ethiobank SWIFT Code:CBETETAA Address: GambiaStreet, P.O.Box 255,AddisAbaba,Ethiopia Fax +251-11-551-45-22/+251-11-122-86-06 Improved Farmers’ andInvestment Accessto FinancialServices Commercial Bank of Ethiopia declarations. Lending interest rate isasperinternal policy/procedure • Unlessagreed interest otherwise, rates are normallyreferred to national representative, asagreed &be convenient. • Application may bemadeinperson, through fax, through legal or contractual Association orOrganization Agency orotherappropriate bodyasdeemednecessary. his/her past performance from ‘Wereda” Agricultural Bureau orCooperative or • Iftheapplicant isindividual,he/she shallprovide asupportingletter that confirms and shallprovide design,specification andbillofquantities for farm infrastructure. • They shallprovide adocument that confirm acquiringor renting basic infrastructure body. or authorize theloanandthey shouldacquire legal personality from theconcerned passed by ¾ofthemembers ofGeneral Assemblyshallbepresented to acknowledge • Iftheapplicant isanAssociation, Cooperative orUnion:minutes ofa resolution Agreement, asacase may be. • Agricultural borrowers shallprovide LandHoldingCertificate and/or LandLease least 20%oftheproject cost from own sources ofincome. project feasibility study that shows theviabilityofbusinessandmust contribute at • For agricultural investment loansorproject theapplicant financing, shallpresent • Provisional/audited financial statements. performance plan,andTINcertificate. • Renewed trade/investment license,Principalregistration certificate, Business credit policyandprocedure. • Thecredit analysis/appraisal team conducts credit riskanalysis basedontheBank’s • Allapplicants shallhave acapacity to provide acceptable collateral to theBank. customers. • Thebankmay give clearloan(loanwithoutcollateral requirement) for eligible the salescontract. business/market at handandgood source ofcash inflow ifcredit isgiven considering • Theexistence ofsalescontract might beconsidered asthecredit applicant has Ethiopia. • They alsoshouldn’thave any nonperforming loanintheirnameat any bankin • Applicants shouldhave cleantrack recording inrepaying theirprevious loans. repayments andinterest. • Thecash flow shall cover all cash outflows ofthebusinessincludingloan business for at least oneyear andwithgood track record. • To beeligiblefor agricultural term loan,theapplicant shallhave beeninthe feasible andenvironmentally friendly. • Theapplicant business must befinanciallyviable,legally acceptable, technically their nature andstrategies. • Othernon-trading government/public institutions willalsobeeligibledependingon businesses are eligibleto borrow businessloans. • Allpersons (natural orlegal) engaged inlawful trading activitiesand creditworthy • Agricultural Investment Loan fertilizer) Agricultural Input Loans • Agricultural Term Loan:(a)Agricultural InputLoan(Fertilizer Loan);(b)Other(non- Financial Institutions Agri-ProFocus Ethiopia 15 Finance Fair - Haromaya 15 250 5 ETB 24,705,030 ETB 28,988,364 ETB 0 ETB 1,647,002 ETB 14.494,182 ETB 0 Farmers Cooperatives Finance Micro Farmers Cooperatives SME Rural Farmers Cooperatives SME Rural Number or rural clients: Number or rural portfolio: rural Total loan size: Average Through withdrawal vouchers, transfer order applications, protocol letters, etc letters, protocol applications, order transfer vouchers, withdrawal Through be. may as the case Application may be made in person, through legal representative, through fax through representative, legal through be made in person, may Application account), (current interest Zero Minimum of annual 5% (Normal saving), time deposit) Minimum of annual 5% (fixed for birr 500 normal saving), (for Birr 25 and possibilities with no deposits current no deposits (for other possibilities with individuals, birr 1000 for time deposit) fixed minimum of birr 50000 (for account), Individual (s) (Sole proprietorship) Card I.D. and renewed • One valid account) current (one for photographs passport size recent • To Individual trader card I.D. and renewed • One valid photographs passport size recent • Two (TIN) Number identification • Tax societies Cooperatives authority by the appropriate issued registration of • Certificate regulations rules and cooperative’s and registered • Approved assembly general at the last resolution of member’s • Minutes person of the authorized ID card and renewed • Valid Union Trade Bureau of labor and Region or from the Minister registration of • Certificate social affairs union of the trade rules and regulations and registered • Approved committee of the executives • Minutes the account to open and operate by the chair person request of • A letter signatories of the authorized ID card and renewed • Valid The bank may extend: The bank may years of three maximum up to loans: granted • Short term but not years than three period longer loans; has a maturity • Medium term years. than 15 more Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved International Banking- SWIFT, remittances & remittances SWIFT, Banking- International dealings currency foreign transfers money Local POS service, Mobile (ATM, E-payment ATM) banking, Forex banking, Internet banking free Interest and Teen (Youth Special deposit accounts saving Women account, saving Youth account) Financial Institutions Financial Other services Withdrawing procedure Withdrawing Minimum amounts Application procedure Application rates Interest Documents required to open to required Documents account and current saving Payback schedule (min. /max, (min. /max, schedule Payback period) Agri-ProFocus Ethiopia 16 Finance Fair - Haromaya by thenationalbankofEthiopiaon2006G.C.assharecompany Harar MicrofinanceInstitution It strivestoimproveaccessfinanceforyouthsandwomen The institutionwasestablishedwiththevisionofalleviating the chronicfinancialbottleneckandimpoverishment Harar kebele14,nearly 100metersawayfromRashotel of disadvantagedgroupswiththeviewsupportthemto emerge aseconomicallyactivecitizeninHarariregion. Improved Farmers’ andInvestment Accessto FinancialServices Provision offinancialandbusinessskilltrainings. The savingproductincludescompulsorysaving, Services in accordancewithproclamationNo.626/2001. Technical assistanceandbusinessmentorship Micro andSmallbusinessassociationscredit voluntary savingsandinterestfreeloan. Harar Microfinance Institution Credit forMulti-purposecooperatives Credit Individualbasedsmallbusiness Telephone: 0256664078/0256663745 joblessness inHarariregionalstate. Non Financialservices Credit forMachinerylease Credit forPublicservant Credit forSmallgroup P.O.Box: 1444-Harar

Saving Services Credit Services and institution Fax: 0256661628 Address: Products wasestablishedandregistered

of Financial Institutions

the

Agri-ProFocus Ethiopia 17 Finance Fair - Haromaya Farmers Cooperative Union: Farmers Improve Improve supply of area. in the operation smallholder farmers agricultural inputs members for services marketing for output Provide and contribute infrastructure. to a stronger Provide marketing market transportation information, servicethat storage member farmers activities marketing in their output leverage and farmers for services and goods to access Ensure through establishing differentfarm and dairy fattening like ventures agri-business Enhance member ‘s related to knowledge boosting agricultural and and income. productivity skill Service and Products of Haramaya Service and Products of HARAMAYA FARMERS FARMERS HARAMAYA UNION COOPERATIVE Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Unions Physical address: Physical 03 kebele woreda, Haramaya 0256610026/682 Telephone: 0256610682 Fax: Established Established in consisting 1992 388 male with of birr 490,687.00 capital and founding 12 women members with initial an is union cooperative farmers Haramaya Currently umbrella for 26 basic cooperative with 1439 male and 138 female. The union has managed to grow up its year. 15,852,000 birr in the current capital to The principal cooperatives union objective is to help farmers increaseyields their of and incomes Haramaya by support collective pooling farmers’ service their provisions resources empowerment. and to economic Agri-ProFocus Ethiopia 18 Finance Fair - Haromaya social affairs and management resource natural in involve To • • To promote education andtraining • To promote modernagricultural technologies market better get access product members enable To • • To procure at alow inputsand services cost • To improve thebargaining power ofmembers capital 5.2mil. and districts 9 was union the of scope working and 8103 of which 7020 are males and 1093 are females are cooperatives primary of members total The 97. are union to the affiliated cooperatives primary of capital of eth Birr 335,300. At present , the numbers East Hararghe Zone on April 5,2005 with initial share male and 362 female members in Haromeya district, formed by 41 primary cooperatives which have 5714 Afren kelo farmers cooperative union was voluntarily participating othersocial affairs • Training andeducation for members and to cooperative• Auditservice primary members • Provide loansto itsmembers • Supplymembers production to medium market and nonmembers • Supplydifferent agricultural inputs to members A Objectives General AFREN KELOCOOPERATIVEFARMERSUNION(Ltd) ctivities HAROMEYA FAX :0256660762 PHONE :0256660859 ADDRESS

profile / services Improved Farmers’ andInvestment Accessto FinancialServices

provided products. their to price better providing with market free the in amount in which members become competent enough and time required price, fair at services better Provide a great role inanational economy. playing and conditions life and life improved living services, any in served well members its see To Mission vision

unions Members auditing Loan formembers different goods different grains Marketing Agro chemicals Improved seed Fertilizers Input Distribution Description • Product market pricefluctuation • Agricultural value chain • Qualityandquantity ofproduction • Shortage ofcapital andbankloan maketting • Planningandanalysis ofcoop production union (ACFU) has been achieved the above the achieved been has (ACFU) union cooperativecooperativekelo Afren farmers Challenge indicators in(2006/2013)ofitsoperation. T Abbay bond Oromia Coffee coop union Oromia Agrcoop federation Oromia cooperative bank Investment otal

facing ACHIVEMENTS Volume 10 coop/year 7,000,000 birr 15,000 quntals 2,988 quntals 10,000 litrs 6,657.75 quntals 188,235.5 quntals

after

stablishment Unions Beneficiary members 20 cooperatives 20 coop 20 coop 98 cooperatives 98 cooperatives 98 cooperatives 40,000 30,000 80,000 1,164,000 1,314,000 : Agri-ProFocus Ethiopia 19 Finance Fair - Haromaya

Oda Oda cooperatives Cherche

Cooperatives of

Chercher of

: farmers Farmers

are activities

Bulttom Union Main Bultum Objectives Union Agricultural inputs supply and distribution. Agricultural inputs supply and distribution. Agricultural product marketing:in both Involved national andexporting members global market agricultural products and such as; coffee, haricot beans, chick beans and cattle products. Cattle Fattening/Beef/ Project Cattle production,processing project. milk production and To enhance members’ (farmers’) efficiency and effectiveness in production products. agricultural of quantity and quality of better To improve the life standard of the member farmers by enhancing the household level income through cooperatives direct effective marketing channel that andcan efficient perfectly provide them the better price right for their and product and the net return from their primary cooperatives as well as from their union. Bedasa Kene’a, Representative of COBFCU at COBFCU of Representative Bedasa Kene’a, Addis Ababa) ECX.( Phone Number +251-925-8695-18 COBFCU; at expert Marketing Teferi, Mekdes Phone Number +251-910-542-698 ETHIOPIA BEDESA,

the

CHR-CHER ODA BULTOM BULTOM ODA CHR-CHER COOPERATIVES FARMERS UNION (COBFCU) Member Member primary produced

The geographical area : Contact for further information: : : On January 10, 2005, : Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved area Average altitude of the area

In Oromia Regional State, West : : : Harer Harer green coffee, pea beans, products

: : Unions Beneficiaries Climate Main Working Located Established area sesame, cattle products, vegetables (onion, paper, tomato...) is 1780 temperature above of the area is about 26oc sea and mm. the average annual rainfall is 1700 level, the average Hararghe Zone, Oda Ethiopia at distance Bultom of 35 kilometers District from kilometers from 362 and Town” “Zonal Chiro of Addis Ababa “National capital city” embodied in this Cooperatives Union are 8 rural districts in west Harergee zone (Oda Bultum, Habro, Daro Lebu, Guba gudia). Achar, Boke, Burka dintu and Hawi koricha, cooperatives are 106 which involve 43249 individual members in male which and 3245 of them 40004 are female. While, are more than 253100 householders are direct or indirect beneficiaries of this cooperatives union. Based on the ICA principles of Cooperatives and Ethiopian Cooperative No. 147/98) (proclamation Societies act Nigusie Legese General Manager, Manager, General Nigusie Legese Phone Number +251-911-7236-49/+251- 25555-0499/ +251-2555-50530; Email: [email protected] Deputy and Marketing Kasahun, Sintayehu ( +251-912-9342-77, Email: Manager [email protected]) Agri-ProFocus Ethiopia 20 Finance Fair - Haromaya surrounding farmers. better-off livelihood, creating aself reliant cooperative organization for activities, providing differentservices which areimportant for farmingand price through increasing bargaining power andimplementing value adding Ensuring efficient and effective supplyofinput,achieving better market Mission To seemodernfarmers withmoderntechnologies Vision seeds Natural, Honey andbeans. Haricot beancattle fattening, chat, oil of best qualityOrganic Arabica coffee, area iswell known asaproduction area Woredas ofEast Hararghe Zone. The Deder,Melkaballo ,Metta andGorogutu The Union’s area ofoperation includes (14,900Male &3,420Female). cooperativeof primary is18,320 76 cooperatives. The total membership cooperative undertheunion reached present, thenumberofprimary Zone 51997EC. onJanuary At in DederWoreda ofEastern Hararghe established cooperatives by 55primary Oborra Farmers Cooperative Union was Area Brief Farmers’ CooperativeUnion

History of Operation Improved Farmers’ andInvestment Accessto FinancialServices Limited Liability • Auditservice • Credit service • Transport service • Coffee hulling • Importandexport activities • Marketing of farmers product • Distribution ofagricultural input Activities Objectives To promote education andtraining. To involve innatural resource management, To promote modernagricultural technologies, etc), To addvalue to members’ products cleaning (packing, access, To enablemembers’ produce get better market To procure at alower inputsandservices cost, To Improve thebargaining power ofmembers, Oborra

the

union Unions Agri-ProFocus Ethiopia 21 Finance Fair - Haromaya

: Union of

through

plan

• Involve in the establishment in the establishment • Involve and of saving and promotion cooperatives, credit office and • Construct warehouse, Adding trained man power for for man power Adding trained of the development sustainable cooperative union and Promote education Purchase directly from the from directly Purchase quality or import, high importers in inputs safe and environmentally costs, bulk and lower in high revenue grain Sell members and markets deficit fetching condition market good establishing quality product, through collect research, Conduct market to it provide and Information market the members, section coffee-processing Establish produce members to Adding value processing through modern warehouse Introducing and other members services to in the area farmers safe to insurance crop Introducing disaster natural from farmers farm, Poultry Fattening Cattle cleaning and packaging, Coffee and grading market export Enter of products & Standardizing purchased, Future Diversification activities years 5 last

the

: Results Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Address Activity Unions Contact Telphone ; 025,333-02-31 Telphone 025,333-0544 Fax: 15 P.O.Box: @yahoo.com mail: oborraunion E- Deder The Union supplied 51,194 Dap and 42,655.5 Urea Urea Dap and 42,655.5 supplied 51,194 The Union and other farmers members the of them to quintals in our boundary woredas. of improved 11,616.quintals The Union has supplied seeds to local and 3689.5 packed seed cleaned and program package the by covered farmers from of grain 5,000 quintals and marketed Purchased the members. of haricot 5,400 quintals and marketed Purchased the members. bean from Arabica quality Organic and marketed Purchased market to central 12,000 quintal over of coffee and 9,000 kg of 4,400 liters and distributed Purchased farmers. to Herbicides and pesticide for 4,000,000 over to Birr loan amounting Extended 26 member Cooperatives. market relevant and disseminated Collected cooperatives. to the member information with the in collaboration series of trainings Facilitated to its members, Bureau, promotion cooperative Zonal staff and management members Board Major Agri-ProFocus Ethiopia 22 Finance Fair - Haromaya and marketing of seeds of different crops and of different seeds of marketing and production started have SPCs established the of programme and scaling up partners. The majority HU-ISSD by region the in established been have partners different SPCs 40 than more Currently, with stakeholders. and collaboration in SPCs supporting been has programme the Accordingly, the in region. prices affordable at seed quantity and quality of availability and to access farmers’ increasing thereby sector, seed the in levels local at entrepreneurship promote to State) Regional region the (East in and West Hararghe Zones working of Oromia National University Haramaya by East Oromia ISSD Programme is - one of the arms (HU) of the project University hosted Haramaya lessons and experiences learnt, andcapacitydevelopment. sharing studies, and research including services sectors, different supports addressing programme the addition, In components. partnerships through sector the in scale), but also promoting institutional innovation scale) aregional and seed companies (operating at a national at (operating producers (LSBs), seed private businesses atspecific seed local including activities sectors, its targeting in development principles ISSD the follows programme The inEthiopia. sector seed pluralistic and oriented was market vibrant, a programme of development the strengthen to II objectives the with 2012 phase January in launched Ethiopia ISSD The autonomous in their operations in the seed sector. production more become to as well as efforts, marketing and seed their in commercial more and been have equipped better technically become to supported groups farmer LSB the scheme, LSB the under (SPCs), Cooperatives Producers’ Seed 34 where project, Business) was Seed (Local LSB ISSD programme the the through mainly of 2011 to 2009 from implemented phase first The University andResearchCentre. Wageningen of (CDI) Innovation Development for Centre and Association, Growers’ and Producers four including Mekelle), Oromia Seed Enterprise, Ethiopian Seed partners and Hawassa, of implemented Haramaya, Dar, (Bahir Development universities consortium is a Sector programme by Ethiopia Seed (ISSD) Integrated The Business development services http://www.issdethiopia.org/ http://www.haramaya.edu.et/rch/projects/issd-ethiopia Facebook.com/issdoromiyaeast Address Improved Farmers’ andInvestment Accessto FinancialServices Seed production trends by SPCsfrom 2010-2013in west and East Hararghe Zones. to theregion’sseeddemand. significantly contributing and year arealso to year SPCs from the increasing by produced of seed Volume varieties. field days,travel visits,website,socialmedia andothers. publications, farmers’ mini-media, exhibitions, seed television, and radio including, channels communication diverse through promoted intensively been have business seed in SPCs with associated those especially programme ISSD the of activities Accordingly, levels. national and, facilitate regional local, at different to stakeholders and partners through to Development strategies learnt mandated communication lessons and been Capacity sharing has knowledge and (KSCD) Sharing component Knowledge The generation seeds(EGS). farmer- through seedlings participatory variety selection coffee (PVS); and production of early specialty Hararghe of cooperative-based establishing seed education and HU; extension system; enhancing availability at services advisory with quality of seed enhancing institutionalisation production; seed quality for experimentation technologies processing seed include: post-harvest implementation under currently projects innovative Major level. local the beyond innovations tofacilitate and learning in the bodies seed sector coordinating related challenges regional institutionalised with mechanism a developing at aims programme ISSD the component, project innovation and partnership the Under through technicalsupportprovidedbytheprogramme. diversify seed businesses, were selectedstarted andseedbusiness and grow to capacity the be having and to competent supposed were which producers, seed private two firms, agribusiness potential the of assessment of basis the capacity enhancing On partnerships. private and public promoting through building operations, and establishment their supporting producers, seed private medium-scale and small strengthening at also aims programme HU-ISSD The Production Volume (Qt) 10100 12100 14100 16100 18100 20100 22100 24100 2100 4100 6100 8100 100 2010 689 Total Production 2011 1411 Capacity Builders 2012 6342.3 2013 18787.84 Agri-ProFocus Ethiopia 23 Finance Fair - Haromaya Continued on Page 42 Page on Continued ... of Agricultural Extension and set up an and agricultural research experimental station. Based was decided to on establish the College the Emperor’sat its current location at United the between wish, it signed agreement the on, Later Haramaya. States Department of States and provided the basis for the operation of the Jimma Agricultural and Imperial Government Technical School that received its first class of eighty students in October 1952. Nineteen August 6, 1953 and became the first of freshman students of the the students Imperial Ethiopian College graduated of Agricultural and Mechanical Arts on (IECAMA). The IECAMA opened its doors to Ababa Addis from moved its class senior 1956 October in students first batch of to Alemaya for their final semester. At the end of the 1956/57 academic year, eleven students completed their studies graduated and with a B.Sc. training degree programs in in Agriculture were further General specialized and Agriculture. B.Sc. The programs were introduced in Plant Animal Sciences Sciences (1960), (1960), Agricultural Agricultural Engineering Economics (1962). (1961) Until and virtually 1963, the dependent college was on administratively and academically; however, after 1966, when Oklahoma State the first Ethiopian dean University, was appointed, the role of Americans both was limited to advisory and became technical a chartered support. member of The Addis College Ababa University then (the Haile Selassie I in 1968. termination of Oklahoma State University University), following the contractual Consequently, it was named Alemaya College of Agriculture. Due to the great need of trained manpower in other areas of study, additional programs that included a diploma program in Home Economics (1967), Science Teachers’ Training Program (1978), and Continuinglaunched. A major Educationthe landmark in programs in study graduate the of launching history the Programwas of Agriculture the College (1980) of were 1979/80 academic year. This laid the foundation for advanced academic and research work at the institution. When graduate studies were launched, about 29 students study were various fields of enrolled agriculture. Another major to landmark in the history of Alemaya College of Agriculture was when it was the by followed 1985, 27, May on status university to upgraded named then was It 1987. in Forestry of Faculty the of launching Alemaya University of Agriculture manpower in that the produced fields of qualified Agricultural Animal Economics, Sciences, Agricultural Plant Engineering, Sciences, Agricultural Extension and Forestry both at graduate and undergraduate levels. Moreover, in diploma level training programs were delivered in the Accounting continuingand Management, in Dire Dawa and Harar centers. education program,

the

Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Background University Capacity Builders Capacity otto Historical Goal M Mission Vision The goal of Haramaya University is to is to University of Haramaya The goal and independent as an autonomous evolve graduate institution) and research (academic with a competitive university and research quality and and international national research in its academic, standards relevance servicesand community endeavors. The motto of Haramaya University is “Building University of Haramaya The motto Development” the Basis for The Mission of Haramaya University is to is to University The Mission of Haramaya in diverse graduates competent produce problem rigorous, undertake study, fields of researches, solving and cutting edge and and technologies, knowledge disseminate transformative and demand-driven provide services.community Haramaya University strives to be one of the to strives University Haramaya with international Universities leading African by 2025. reputation Historical Background of the Haramaya University University has gone a through series establishment of transformations as institution. since a its between The higher learning Government agreement and the the Government of the United States of America on signed May 15,1952 Imperial establishment the for foundations the laid School Technical and Ethiopian Agricultural Jimma of and the Imperial College of and Mechanical Agricultural Arts (IECAMA). The Agreement between the Government of Technical Ethiopia and Cooperationof the the Government of Administration the United States of America, signed gave on the May mandate 16, University to 1952, to Oklahoma establish and State operate College, the conduct a nationwide system Agri-ProFocus Ethiopia 24 Finance Fair - Haromaya Business Development Services We also would like to establish strong linkages with resourceful organizations, in the areas of areas the in organizations, resourceful with linkages promoting rural entrepreneurship &SMEs. strong establish to like would also We chains. We value want to contribute towards stronger thisend,together withour partners. into evolve could later which opportunities, agri-business viable through coached be specifically will rural youth The vital. crucially is youth development for attractive Skills venture. an to “farming” make role meaningful to play of agri-business) field the organizations (in expertise with cooperate to seeks ReK development. social sound stimulating while development economic Red een Kind is relatively a new entrant into the field of Agri-business. It strives to contribute to rural Eg. Investment Grants Other services Area ofSpecialization (Addis Ababa) City Branches the Services the Services Name Type of Special focus on"marginalized groups” Community development &organization (lifeBusiness supportservices skills, entrepreneurial) Youth focused agri.skillstraining Participatory market assessment/research Website: www.redeenkind.nl

Email: [email protected] Operational area: SNNPR Improved Farmers’ andInvestment Accessto FinancialServices market linkages agencies tocreate with specialized (we wishtowork Access to Markets (GamoGofa zone)

X Red eenKind sources) finance (external Access to Rural SME: Producer org: Farmers: Total rural portfolio: demandfor thisservice! Rural SME: Producer org: Farmers: Number orAgribusinessclients: 0

coop.) set upofeffective ners keentosupport (together withpart- OD etc) Support(accounting, Management app 10% app 90% not yet found...but, there isahuge about 8cooperatives are established through itspartner-EKHC (>600Farmers) Capacity Builders X Advocacy Agri-ProFocus Ethiopia 25 Finance Fair - Haromaya ------Up-coming projects Up-coming COMMUNITY LIVELIHOOD PASTORAL DEVELOP a project implemented in ANRS in collaboration with CCA and EWNRA and by funded by Cana - Bu Development Trade and Affairs dian Foreign 2013-2014) reau Rural saving and Credit Cooperativesdevelop (2013-2015) SNNPR and Oromia in Project ment It plans to reach over 250 under P/coops five unions havingover 45,000 organised individual members “Building resilience of through improving access smallholder to drought-tolerant farmers seeds and adoption ofconservation agriculture plan project funded (2014-2016)FAO practices” drought- in households poor 6,000 reach to ning of Oromia wereda prone “Community based Seed MultiplicationProject Irish by financed project (2014-2015)-a SNNP” in weredas. in three Aid and being implemented “Sustainable Transformation of Resources (STAR) in AbichunaGne’a District Agricultural of North Shewa zone, Oromia Region, Ethiopia” funded (2014-2015)-Project by Irish Aid and implemented in Oromia Region planning to reach insecure. food 2,800 households who are MENT PROJECT (2014-2015) in Afar Region-To Irish Aid be funded by Silite in quality and production honey Improving of SNNPR (2014) Zone Self Help Africa promotes bet for cooperatives financial and the multipurpose interaction of live improve and poverty combat to synergy ter lihood of smallholder farmers. - - is a rural Ethiopia Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved

Capacity Builders Capacity

Address: Office SHA Ethiopia Country Street; Megenagna H.No. 300; Kenenissa Bekele YekaSubcity, K.14, (PBX); (direct); +251 116-620659 Tel.: +251 116-182001 P.O.Box 1204, A.A. Ethiopia Fax: +251 116-619724; free free from poverty and hunger with a to mission develop enterprising solutions thatsmallholder enable farmers to achieve a better quality of life. Climate Resilience and Cooperatives in Ethiopia- in Cooperatives and Resilience Climate AGP-Livestock AGP-Livestock Market Development project in CNFA with collaboration Improving Improving productivity & MarketZones Arsi West in Arsi& Production Malt Barley linkage for (2012-2014) of Oromia clude: Current SHA Programmes Current Self Help Africa Ethiopia programmes focus on agricultural technology promotion,building of farmer institutions andcreating capacity access to rural finance. Current programmes in SO.3: Continue to be “fit for purpose” to be “fit Continue SO.3: Promoting community-led programmes community-led Promoting SO.2: Influence others to enable prosper to in Ethiopia farmers smallholder Diversification incomeof generating activities, and SO.1: To enable smallholders to achieve viable livelihoods from intensification and- diversifica tion of agriculture and greaterintegration into markets Application of integrated solutions of integrated Application Objectives Strategic ers ers institutions, the government localand civil organisations society Approaches: farm communities, with partnership in Working

Self Help Africa’s vision Self Help Africa Self Agri-ProFocus Ethiopia 26 Finance Fair - Haromaya level withrespective lineBureaus. Agreements at Federal Regional andDistrict Charities andSocieties Agency inaddition the registration Certificate Secured fromthe its statutes approved by itsconstituencies, The legal personality ofDEC isaffirmed by Legal Personality households. to children, youth andwomen andpoor community members with special emphases the life oftheunderprivileged Children and Education whichmakes basicdifference in established in2007,to promote Quality Ethiopian Residence CharityOrganization Development ExpertiseCenter (DEC)is an Establishment (DEC) Development ExpertiseCenter number, 0009. mation ofthe country, bearinga registration per thenew CharitiesandSocieties Procla lands andre-registered inOctober 2009as tiation of Edukans Foundation, the Nether Organization established inMay 2007 by ini isanEthiopian Residence Charity Development ExpertiseCenter(Dec) Improved Farmers’ andInvestment Accessto FinancialServices Accountability andTransparency Excellence andInnovation Professionalism Core Values Collaboration Commitment Compassion Team work Integrity - - Respect Equity - local development. Promote capacity buildingfor sustainable Mission dren Properly Fostered. DEC Aspires to seeallUnderprivileged Chil Vision initially planned. practical application inline toitsplanandperformance as line ministries andrespective local communities forits received several certificates and awards from government results. For itsgood result registered, theorganization has its partners andstakeholders at expected standard and six years, DEC hasbeenworking ontheprograms withall (SRH), andFood SecurityandEntrepreneurship. Inthepast Development (ECCD), Sexual andReproductive health Capacity Development, Education, Early ChildCare and major program areas ofthe organization include and Afar) andAddisAbabaCityAdministration. The or projects inthree regional states (Oromia, Amhara, DEC hasbeenworking onmore than10programs and/ accountants. documents andprocedures ofaccounts withefficient regard to administrative system, DEC hasallthenecessary of core staff members led by theExecutive Director. In Directors. DEC hasamanagement team that consists who executes theday to day activitieswithsubordinate mandate to electanExecutive Director oftheorganization on policiesandguidelinesoftheorganization. Ithasa body oftheorganization that dealswithdecisionmaking and agoverning board. TheBoard isthehigherlegislative Structurally, theorganization hasa general assembly(GA) Organizational Set-up Capacity Builders -

Agri-ProFocus Ethiopia 27 Finance Fair - Haromaya

Excluded the the

Include Include

Finance Admin & & Admin

Projects ECCD

Learning Linking & & Linking urship e

pren e r

FoodSecurity & Ent Connect 4 Change (C4C) Connect 4 Change Expedition (EEE) Education Edukans School (SS) Star (CFS) Environment Child Friendly School (GP) Girls’ Power (EE) Education Equal (ESV) End School violence (SLSSH) and Hygiene School Sanitation Led Student (DTE) T Exchange Digital ONE farm-FSRE Adequate TWO employment-FSRE and generate Connect the spent Community of Pastoralist livelihood improved for Water Embedment CMDRR Institutional (F4L) life better Fit for (ESAP2) Two Program Accountability Social Ethiopian with Me( WSWM) Starts The World (MWML) My Life My World SHARE Frame and risk reduction as disaster Self Help Groups Women strategy mitigation Women Reaching Education Parenting Learning Program Early Transition Partnership Cooperation/ Linking and learning Admin Finance HR

Programs of DEC Learning Linking & & Linking

Programs of DEC Programs Health Sexual & & Sexual Reproductive

Education Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Capacity Builders Capacity Project Departments Departments Project under Education Projects department Projects under Food Security and under Food Projects department Entrepreneurship and under Sexual Projects Health department Reproductive Childhood under Early Projects department Development and Care Capacity under Partners Projects department Development Admin and Finance Agri-ProFocus Ethiopia 28 Finance Fair - Haromaya Twitter: @scopeinsight [email protected] For questions oraccess to theSCOPEinsight Portal: [email protected] For questions or requesting anassessment: [email protected] www.scopeinsight.com For more information business partners. farmer organizations are presented to banks andpotential onto theSCOPEinsight Portal, anonlinemarketplace where the farmer organization. These rating profiles areuploaded business potential, theriskprofile andthefinancial ratiosof The rating profiles are forexternal use.It presents clearlythe The Rating Profiles this. capacity building programs andfor monitoring impactfrom can usetheassessment report for designingtailored made Both themanagement offarmer organizations andNGOs professionalism, management maturity andcreditworthiness. the strengths andweaknesses oftheorganization, its internal use.Thereport provides in-depth insights into The SCOPE assessment isfor thefarmer organization’s The SCOPE Assessment • TheRating Profiles: forunlocking businesspotential. organizational strengthening; • TheSCOPE Assessment: for capacity buildingand economies SCOPEinsight offers two products: In order to create accessto agricultural financeinemerging SCOPEinsight‘s Services professionalization oftheorganization anditsmembers. This outputcan beusedfor capacity buildingandfurther diagnostics ontheirorganizational strengths and weaknesses. organizations benefit greatly from theindependent to uncover new businessopportunities.The farmer partners like banks, traders, inputsuppliers andNGOs The rating information is valuable forpotential business aquaculture. only intheagricultural sector, butalsoindairy, forestry, and challenge andopportunityofaccessto finance exists not stands for Scoring ofOrganizational Performance. The assess thefarmer organizations called theSCOPE, which We useawidelytested androbust rating methodology to and partnerships. business partners agateway to thisagricultural information We profile theirorganizational performance and we offer potential of farmer organizations in developing countries. a network oftrained assessors whosurvey thebusiness SCOPEinsight isanindependent rating agency working with SCOPEinsight’s Mission Improved Farmers’ andInvestment Accessto FinancialServices in Agricultural Finance Agricultural in Unfolding Opportunities SCOPE insight decision-making profile for investment banks have usedour NGOs Traders anothervaluechainplayers Financial Institutions Farmer Organizations widespread benefitsfordifferentgroups: Enabling accesstoagriculturefinancethroughratinghas WHAT ARETHEBENEFITS OFSCOPEinsight? In agriculture, forestry, andaquaculture dairy in more than20sectors... ORGANIZATIONS… WE HAVERATEDOVER150FARMER West Africa 34% Central America 4% 16 in over 12countries… 0 10 20 30 40 50 other stakeholders. and communicationtooltowardsdonors SCOPEinsight profilesasanimpactmeasurement on theSCOPEinsightAssessmentReport; Improved businessdevelopmentservicesbased building activities Support ofprocurement,financeandcapacity information; Access toviablebusinesspartnersandmarket profiles and,consequently,reducedefaultrates. Reduce duediligencecoststoSCOPEinsight in currentmarkets; organizations inemergingsectorsandregions Build asolidpipelineofviablefarmer resulting fromassessmentinsights. performance duetobusinessdevelopment Get insightinmanagementmaturityandimprove Get financeagainstmorefavourableconditions; business partners; Connect tobanks,tradersandotherpotential 12345 Peru Bolivia Honduras El Salvador Guatemala LATIN AMERICA Capacity Builders considered for loan profiles have been of bankable Phone: +31302348273 The Netherlands 3512 NSUtrecht Hamburgerstraat 28 International Office mobile:+254700131171 Phone: +254205203897 P.O. Box 18061-00100,Nairobi -Kenya Kilimani BusinessCentre East Africa Rwanda Uganda Ethiopia Kenya EAST AFRICA 50% East Africa 62% Assessments 2010to date Total Scores –Frequency of assessments completed All Per region 2010 to date. to 2010 region Per Ghana Cote D’Ivoire Nigeria WEST AFRICA capacity building have beenusedin of lower-scoring profiles 65% Agri-ProFocus Ethiopia 29 Finance Fair - Haromaya The Fund has two windows: The Fund has two Grants Innovation Fund (IF) provides 1. The Innovation supporting organisations €100,000 to (IG) of up to and/or organisations producer smallholder farmers, Research NGOs, MFIs, small and medium enterprises, Organisations, Producers’ BDS suppliers, Organisations, Business Sector and Private of Commerce, Chambers Associations. 50% Matching Fund (MGF) offers Grant 2. The Matching business private €40,000 to (MG) of up to Grants innovations. fund for as a complementary companies BDS providers. by be assisted can The entrepreneurs ICCO is the interchurch organization for organization interchurch is the ICCO work in 44 We cooperation. development America. Latin Asia and in Africa, countries Main Results to Date to Main Results since January fully operational management • FSRE-Fund inplace. guidelines and system 2013. Procedural projects grant and 5 matching 10 innovative call the 1st • From and under implementation. identified are directly working are of 11000 smallholder farmers • A total projects with innovative and indirectly are and identified projects 10 innovative the 2nd call • From implementation starting reviewed externally operation • Program Agri-ProFocus Ethiopia. Ethiopia. Agri-ProFocus Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved FSRE-Fund/ICCO Cooperation FSRE-Fund/ICCO Capacity Builders Capacity Food Security and Rural Entrepreneurship Fund (FSRE-Fund) is financed by the Embassy of the by the Embassy is financed Fund (FSRE-Fund) Entrepreneurship Security and Rural Food Kingdom of the Netherlands (EKN) in Ethiopia and managed by ICCO-Cooperation on behalf of on ICCO-Cooperation by and managed (EKN) in Ethiopia of the Netherlands Kingdom Calls & Contact with detailed Proposals Calls for announced being are guidelines application on media and on Agri-Hub Ethiopia apf-ethiopia.ning.com website: activities, FSRE-Fund on information More and on projects, awarded previously at: be found Calls can subsequent apf-ethiopia.ning.com/group/fsre-fund Us: Contact Management FSRE-Fund Hotel, Near Dreamliner RD, Flower Meskel Bank, 4th Floor, Behind United Addis Ababa FSRE-Fund supports innovations in supports innovations FSRE-Fund security and farmer of food the area rural Ethiopian by entrepreneurship including producer actors civil society (POs), small and medium organisations (SMEs), and Business enterprises (BDS), Service Providers Development NGOs and MFIs. FSRE-Fund support Agri- support FSRE-Fund chain value Business through development Agri-ProFocus Ethiopia 30 Finance Fair - Haromaya has four functional research subsites Mechara agricultural research center Research sub sites processes andfarm management. research teams. Ithasalsothree support each ofthemincludingtwo ormore socio-economic &agricultural extension crop, livestock, natural resources and four mainresearch processes namely Agricultural Research Institute having The center isorganized underOromia Organizational structure which isreddish incolor. type ofthecenter issandyloamclay and 963mmrespectively. Themajorsoil average temperature andrainfall 160C its altitudeis1760m.a.s.lwithannual altitude (Weyna-dega) agro-ecology and The center islocated inmoist mid- Climate &Soiltype respectively. are 40019.114Nand08035.589E Its latitudinal andlongitudinalpositions that connects to Arsi andBaleZones. Capital) to thesouthonagravel road State. Itis115kmfrom Ciro town (Zonal West Hararghe Zone inOromia Regional of AddisAbabainDaro LabuDistrict of The center islocated 434kmto theeast Location research onHararghe coffee. objectiveland withprimary to conduct was established in1997E.C. on45haof Mechara Agricultural Research Center Year ofestablishment OROMIA AGRICULTURAL RESEARCH INSTITUTE Mechara Agricultural Research Center Improved Farmers’ andInvestment Accessto FinancialServices Objectives and others. Ethiopia, Chercher OdaBultumUnions,pioneerPLC (HU-ISSD), BoARD, GoalEthiopia, World Vision,Care EIAR centers (JARC, MARC andDzARC), Universities activities &otherbest practices in collaboration with The center hasbeenconducting different research Research partners/collaborators coffee, adaptation trialof crop technologies released potentials; verification trialon different crops like agricultural production constraints, problems & in various districts inWest Hararghe to identify conducting different surveys andassessments Since itsestablishment, thecenter hasbeen Major activities livelihoods ofthenearby society. and thuscontributes for improvement ofthe that increase agricultural production and productivity creativeness, it works to generate/adapt technologies Through enhancingknowledge andinnovativeness/ Mission ensured at individualfarmers’ level by 2012E.C. the center wishesto seefundamental changes By increasing theagricultural technology outreach, Vision limited onlyto West Hararghe. natural resources inwhichcase itsmandate area is conducts research onothercrops, livestock and Borana andWest Arsi) Oromia. Thecenter also South Eastern (Arsi andBale)southern(Guji, mandated to cover Eastern (East andWest Hararghe), is to conduct research onHararghe coffee and The primetarget for theestablishment ofthecenter two non-functional sites ofBoke andGabiba. (Micheta, Hawi Gudina,HundeLafto andBadeno) Capacity Builders Agri-ProFocus Ethiopia 31 Finance Fair - Haromaya Address Address +251 (0) 25557 0430/101/102 Tell: Cell phone: +251 (0) 930074307 0301 +251 (0) 25557 Fax: Hararghe, West Mechara, 19, Box P.o. Ethiopia address: E-mail [email protected] www.iqqo.org site: Web coffee technologies, seed orchard is seed orchard technologies, coffee Mechara- at on 1 ha land established have FREGs/SPCs four and on station of districts in three been established in collaboration Zones Hararghe West on & HU-ISSD project with JARC field. farmers’ technologies Those crop/forage other from introduced which were & adapted/ institutions research and similar Mechara to validated promoted/ were agro-ecologies Seeds/ end users. to popularized of these cutting/roots/tubers/suckers then, multiplied were technologies themselves teams research either by Therefore, management. or farm center research agricultural Mechara in this respect more has contributed multiplying by since its establishment technologies these and distributing particularly its stakeholders through & (Abshir resistant seeds of striga (Girana-1 and early maturing Gubiye) oriented market & Misikir) sorghum, & (Awash-1 bean varieties haricot millet finger and teff, Melka), Awash Seeds/cutting/roots of varieties. and banana forages animal different also been multiplied and have suckers distributed. Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Capacity Builders Capacity Conduct different farming system studies in system farming Conduct different production major and prioritize identify to order opportunities in the and existing constraints areas mandate & best technologies agricultural Generate/adapt focused appropriate/customer are that practices its end users and for areas in its mandate agricultural best and demonstrate Evaluate condition farmers under & practices technologies end to those technologies up/out Popularize/scale holders stake with its in collaboration users stake with its potential partnerships Build strong holders to seeds (pre-basic improved different Provide to our customers certified) seeds/cutting/ forage improved different Provide roots services on & consultancy training Provide practices technologies/best agricultural different by sources information as scientific Serve in electronic/ works various its documenting published documents Even if the center is recently established, it successfully it successfully established, is recently if the center Even coffee; of Hararghe varieties improved four released Arusa and Bultum in collaboration Mocha, Mechara-1, in 2009/10 center research with Jimma Agricultural 500,000 seedlings season. Since then, over cropping end to disseminated & about 5Qt of seeds were gap of these fill the demand-supply to Further, users. Major achievements Major achievements As public organization, our center provides the following following the provides our center As public organization, our end users/clients services to Major services elsewhere, agronomic trial for those adapted/generated adapted/generated those for trial agronomic elsewhere, demonstrations extension pre technologies, agricultural of basic/ multiplication up activities, & pre-scaling well as as management farm its through certified seeds and dissemination cooperatives/FREGs seed producers to increase technologies so as agricultural of different & thus agriculture of and productivity production of the nearby improvement livelihood for contribute society. Agri-ProFocus Ethiopia 32 Finance Fair - Haromaya and rural development. institutions in areas related toagriculture communities, local government andnational in strengthening thecapacity ofrural NGOs andnetworks andpractical experience of expertise inbuilding the capacity oflocal assistance. We have developed asolidbase stakeholders withhigh-qualitytechnical results. CHFprovides partners andother goals, withjoint accountability for delivering trust andreciprocity; and mutually-agreed approach to partnerships is based on respect; responsive relations withthem. Our of experience inforging constructive, and through local NGOsandagreat deal CHF hasalonghistory ofworking with and Private Sector Companies Partnership withLocal Organizations core approaches: development practice isgrounded inthree stable andsustainable livelihoods. CHF’s power to transform themselves andcreate — allofwhichgive communities the networks ofpeople,skillsandresources identify hiddenassets, untapped potential, their own development. Thisapproach helps empower local populations asarchitects of fundamental approach isto respect and The CanadianHunger Foundation’s 450,000 peopleandtheircommunities. projects in15countries that supportover Americas, andare currently running12 in over 50countries inAsia,Africa andthe food to meet theirneeds.We have worked and to sustainablyproduce enoughnutritious poorest families to increase theirincomes Foundation hasempowered the world’s For 51years, theCanadianHunger Canadian Hunger Foundation (CHF) Improved Farmers’ andInvestment Accessto FinancialServices 8,000 householdsinEthiopia’s Eastern Amhara region. (MILEAR) Project isimproving thefood andeconomic securityof region andtheMarket-led Improved Livelihoods inEastern Amhara 25,000 householdsinseven woredas oftheBenishangul-Gumuz Growth Program (BSG-FSEG) isimproving thelivelihoods ofover (DFATD). TheBenishangul-GumuzFood SecurityandEconomic Canadian Department ofForeign Affairs, Trade andDevelopment’s Currently CHFisimplementing two projects in Ethiopia funded by the regions ofthecountry managingsixprojects totalling $35million. response to adevastating drought. Sincethen,CHFhas worked in6 invited by theGoEto launcha“relief-to-development” project in established apermanent presence inEthiopia in2002,whenitwas CHF hasbeenworking inEast Africa andtheHornsince1983.It principles ofourapproach. opportunities andasustained, inclusive growth orientation are key to thepotential andaspirations ofparticipants. Equitable access to based approaches that target interventions strategically, according development approach buildsonCHF’s longexperience withasset- as entrepreneurial andemployment opportunities.Ourmarket-led identify productivity and competitiveness improvements, as well them. We conduct endmarket research andvalue chainanalysis to by optimizing theuseofproductive resources available to households asbusinessentities who can reducetheir own poverty key to maximizing development results. Ittreats farmers andtheir the premise that understanding andimproving thisinteraction is consumers, labourers andentrepreneurs, ourapproach beginswith that thepoor increasingly interact withmarkets asproducers, an environmentally andsociallyresponsible manner. Recognizing more significantly inlocal, regional andinternational markets in value chainandentrepreneurial approaches to engage thepoor CHF’s approach to market-led development usesacombination of Market-led Development adapt to unexpected change. environmental shocks andstressors andmakes iteasierfor themto resilience approach helps householdsmanage socio-economic and systems, especiallyinthecontext ofthemost vulnerable. CHF’s changes andpredicted trends ineconomic, socialandenvironmental systemic approach to considering theinherent risks ofongoing the start, aswiththecross-cutting themes.CHF takes an integrated, must beidentified andbuilt into program designanddelivery from programming. We seeresilience asanoutcome ofourwork that to CHF’s food securityandinclusive sustainable economic growth these changes. Buildinghouseholdresilience isakey approach them to maintain orimprove theirsituations even inthe face of their root causes, andnotjust theirconsequences, andhelping vulnerabilities that make peoplesusceptible toshocks byaddressing Programming that buildsresilience aimsto address therisks and Building Resilience www.chf.ca [email protected] T: (251-11)372-6341/42 Salfiso Kitabo, Country Director For more information, please contact: Capacity Builders Agri-ProFocus Ethiopia 33 Finance Fair - Haromaya Project Project services& Support Startup capital Basic business skill trainings Organizational development & capacity building Financial management & basic book keeping trainings VSLA Training Startup capital Basic business skill trainings Organizational development & capacity building Financial management & basic book keeping trainings VSLA Training Type of business of business Type of engagement beneficiaries Non timber forest products (NTFPs) such as Honey ,coffee, spice Cardamon, long paper Incense, Bamboo, Tamarinds ,Savanna grass Baobab Mushroom, wild ginger & tree seed. Village saving loan association (VSLA) Coffee Honey Essential oil Eco- charcoal Type of business services Type Access to Market Market Access to & linkage Market development approach (MAD) Support finance fair/exhibition Market linkage to coops & unions etc Value chain development Link to MFI Market development approach (MAD) Support finance fair/exhibition Market linkage to coops & unions etc Value chain development Link to MFI Budget 3,079,823 3,079,823 (Euro) 2,000,000 ( Euro) Duration 3,079,823 3,079,823 (Euro) 3 years Project profile Project Benfi.No 200,000 300,000 Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Areas Farm Africa /SOS Sahel Ethiopia Ethiopia Sahel /SOS Africa Farm Operation Operation BSG SNNPR Oromia Amhara Oromia Project - Piloting REDD + in the Bale Eco- Region of Ethiopia Region of Eco- Bale - Piloting REDD + in the Project Embassy Donor - Norwegian Project - Strengthen Sustainable Livelihoods and Forest Management Management and Forest Livelihoods Sustainable - Strengthen Project (SSLFMP) Program Union (EU) Donor – European Capacity Builders Capacity SSLFMP Bale-Eco Bale-Eco –region REDD+ Project Project Name Agri-ProFocus Ethiopia 34 Finance Fair - Haromaya Technology multiplication anddissemination during2002-2006 Research activitiesimplemented during2002-2007 cropping seasons ofGO’s through farmers’ fielddaysandfarmfieldsdemonstrations. FTCs and fields farm Leaders fields, research researchers, visited experts, been have NGO’s DA’s, and (farmers, participants from benefited 4419 farmers 23,159 of than more also total and 2002, since dissemination and a multiplication technology result, a As process. extension underagricultural grouped are mechanization, crop, natural resources management, livestock and research- that activities research various conducting strives to provide better options ofCenter the improvedCurrently, technologiesFARC. foras renamed farmerswas through it and 2001, in center research Moreover, the RTRC further upgraded to the level of a mechanization. full-fleshed agricultural agricultural on research a Institute conduct to research objectives with Agricultural (OARI) Oromia under organized and (RTRC) Center it was up graded to research centre and renamed as Rural Technology Technology PromotionResearch Department of Ministry of Agriculture in 1978. In 1993, Rural the under (HRTPC) Centre Promotion Technology Rural Harar as up set initially was Centre The establishment. its since status current the reach to stages several through passed has (FARC) Centre Research Agricultural Fedis Background oftheCenter Note: M=multiplied, D=disseminated Note: OA=Ongoing activities,CA=Completed activities T Crop Livestock Natural Resource Mechanization hives, farmimplements,poultry,etc.) Agricultural mechanizationtechnologies(Bee Socio-Economics Striga resistantsorghumvarieties None-Striga resistantsorghumvarieties Maize melkasa(M3,M4&M6) Haricot bean(Awashmelkasa,Anger) Wheat Barley Sesame Pear millet otal Type oftechnologies multiplied Research process Improved Farmers’ andInvestment Accessto FinancialServices FEDIS AGRICULTURAL RESEARCH CENTER 11 39 4 5 19 - OA 2002 T M 1377 87 - - 5 - - - - 1 CA - 7 - 6 - ogether 2002 Quantity multipliedanddistributed by Years inquintal 23 10 63 8 23 - D 947 76 - - 3 - - - - OA 2003 We 6 CA - 6 26 15 - M 778 277 109 23 4 8 7 - - Can 2003 Research activities by year 33 12 8 67 14 -

OA do D 542 270 100 18 3 6 6 - - 2004 More 13 CA 3 7 23 - M 768 244 106 18 3 4 4 - - 2004 29 12 9 12 62 22 OA agricultural technologies by 2020. enhancing dissemination ofimproved basic changes at farm level by The visionoftheCenter isto ensure livelihood insustainablebasis. technologies andimprovefarmers’ generating anddisseminatingimproved agricultural productivitythrough The missionofthecentretoenhance Vision Mission E-mails: [email protected] D 636 184 101 5 2 3 2.5 - - 2005 .O.Box: 904, Harar, Ethiopia a i p o i h t E , r a r a H , 4 0 9 : x o B . O P. Capacity Builders CA 10 14 10 M 771 225 192 143 25 7 5.5 4 4.5 20 3 5 10 22 60 2005 OA 9 4 5 7 6 6 6 5 2 0 : e l e T 2006 Fax: 0256667551 D 545 218 185 139 23 8 4 3 4 CA 11 3 16 30 M 903 390 248 161 37 - - - - Address: 20 OA 8 7 13 13 61 2006 D 655 344 231 148 29 - - - - - CA - - - - - Agri-ProFocus Ethiopia 35 Finance Fair - Haromaya otal T 30 30 61 25 25 359 46 69 17 21 35 35 63 45 60 20 32 31 56 40 17 91 district Area of Area Female - - - - 162 9 35 5 8 5 5 12 5 12 2 12 6 6 13 5 43 Farmers implementation/ Kurfachale & Jarso Kurfachale & Miidhaga Babile, Fedis districts districts Babile & Fedis districts Babile & Fedis district Kombolcha Haramaya Fedis Babile and Fedis Babile & Fedis district Kersa Haramaya and Fedis Woerdas and Fedis Haramaya Babile & Fedisi fi Erer Haramaya and Fedis Haramaya Fedis Kombolcha Male - - - - 197 37 34 12 13 30 30 51 35 48 18 20 25 42 27 10 48 otal otal 42 123 55 40 56 12 39 50 50 20 93 35 36 70 30 50 150 T T 6 5 2 2 2 42 27 9 2 5 6 6 6 3 10 3 4 10 7 8 2 11 Female - - - - 12 4 3 1 0 0 0 4 1 2 1 1 2 2 2 1 2 Female 8 10 10 - 12 - 7 10 10 3 28 15 7 20 8 30 20 Development agent Development Male - - - - 30 23 6 1 5 6 6 2 2 8 2 3 8 5 6 1 9 34 113 45 40 44 12 32 40 40 17 65 20 29 50 22 20 130 Participant farmers Participant Male On farm field and on FTC technology field and on FTC On farm otal T 4 - 2 1 - 20 10 6 3 7 5 5 4 2 1 2 4 12 4 3 - 2 Challenges faced the Centre shortage like facilities work of research • Shortage equipments,) laboratory of vehicle, man powers, of experienced • Shortage among collaboration • Lack of functional/weak thematic identification, problem for stakeholders of and wider dissemination identification, areas technologies. improved Quantity 10 10 12 12 60 3 4 6 6 2.5 10 - - - 1 - 1 (SMS) - Female - - - - 5 - 1 0 0 0 0 1 - - - 1 2 - 0 - - Male Subject matter specialist specialist Subject matter 1 - - - - 15 10 5 3 7 5 5 3 2 2 2 3 10 4 3 - 2 demonstration and pre-scaling during 2005 and 2006 cropping seasons during 2005 and 2006 cropping and pre-scaling demonstration Bread wheat(Mada-walabu &Dure) in quintal &Dure) wheat(Mada-walabu Bread in quintal &Teshale) , gubiye, hormat, (abshir, Sorghum &M6) in kuntal (M4 Maize in quintal Groundnut(Werer-961) &Gudane) quintal (Bubu, Dadafa Potato pump in number Washer for Sorghum using tie rigger Tied-Ridging practices digger in number Groundnut in number ardu) rigger, implements(tie Farm seed in kg Forage in number implements tillage Farm technology preparation powder Tomato hot pepper and tomato potato, sweet Improved technology processing Fruits and vegetables in number thresher Mini engine sorghum technology processing Cassava in number thresher Multi- crop Technology type Technology No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved

Capacity Builders Capacity raining topic raining Intercropping Cow pea and LabLab with Striga Resistant Sorghum and Maize Variety and Maize Sorghum Resistant pea and LabLab with Striga Cow Intercropping T Improved bee keeping management bee keeping Improved practice and management Sesame and linseed production preparation and seed practice, and management production Tomato practice and management Onion production implements tillage of farm Usage production forage bee production, Bee keeping food preparation and production Cassava production purpose vegetable and for domestic washer pump of Installation on seed production farmers seed business, and Clustering Seed production, techniques Queen rearing and bee wax processing Crud honey production for sorghum using tie-ridger harvesting In-situ water digger and its usage using groundnut harvesting Groundnut and management production hot pepper and tomato potato, Sweet selection variety crop Improved and solar pump rope-washer of Utilization production crop rainfed for practices technologies and management harvesting Rainwater digger and its usage of groundnut & Importance selection variety crop Improved of maize bean & intercropping of haricot Double cropping using different area closure of degraded rehabilitation on farmers for creation Awareness conservations) and physical (biological technologies management land degraded for fertilizer inorganic ratio with interaction of and application compost of Preparation production sorghum Training for farmers DAs and SMS during 2004-206 and SMS during DAs farmers for Training Main Activities • Undertaking adaptive research trials of the readily available technologies, available readily trials of the research adaptive • Undertaking and promotion, demonstration based technology and individual farmers FRG promotion, and seed production based improved • Cooperative and promotion, demonstration based technology • On FTC technologies, of improved and dissemination • Multiplication and other services. SMS, researchers, DAs, farmers, • Capacity building for Future plans: • In its efforts to continue, research activities, technology multiplication and dissemination to meet the needs of farmers and other stakeholders, and also produce seeds at offseason using irrigation, • Sets priorities with the current farming system of the area, conducts problem solving research activities, provides technologies and service relevant to the need of the farmers and other stakeholders, • Strengthening the collaboration with farmers, and resourceful organizations and institutions in area of technology development and promotion. Agri-ProFocus Ethiopia 36 Finance Fair - Haromaya Teeknooloojiiwwan bara 2002-2006tti baayyifamanii fi raabsaman Yaaliiwwan qorannoo bara 2002-2007tti gaggeeffamanii fi xumuraman hojjetaman, hirmaatoota hanga 4,419ta’aniin daawwatamee jiraa. qorannoogaragaraahojii kanbuufata irrattiqorannoo,bulaa qonnaan ooyiru fi raabsamaniin, hojii qonnaan bultoota hang eegale, a23,159 baayyifaman qorannoowwa ta’aan iraa fayyadama teeknooloojiiwwan taassiiseeirratti 2002 xiyyeeffachuun garagaraattin, jiraa. Akkasumaas bara qorannoo kanaan, Haaluma danda’an jiraa. hiikuu gaggeesa bulaa garaagaraa Qonnaa) bulaa qonnaan horsiisee fiBabal’ina rakkoowwan fi garaagaraa Uumamaa, qorannoowwan Hawaasa-Dinagee Qabeenya qabachuudhan fi Beeylada, Qonnaa, Midhaan, Makanaayizeeshinii teknoolojii (Dhiheessa gudguddoo Iniis sagantaawwan shan akka hogganamu ol-guddaatee. GGQQFtti gara 2001tti Oromiyaan bara Qonnaa Qorannoo godhamee. Dhuuma irratti, Giddu-galeessa Qorannoo Inistitiyuutii Teekinoloojii Baadiyyaa jijjirame, bara kanaan, BaadiyyaatiiQorannoo Giddu-galeessa Teekinoloojii dhaabatichi gara 1993tti Haaluma tii ture. kenna garagara tajaajila hogannamun 1978 (OADB) bara bara1984-1993maqaan dhaabatichaa akkuma tti malee, jiru tahe Biiroo Misooma jedhamun Qonnaa Oromiyaatiin Haata’u ture. kenna ajaajila Itiyoophiyaatii (RTPC)baha dhaabbata aammaa, Baadiyyaa hundeeffamee, hanga (GGQQF) bara 1984 tii Ministera Teekinoloojii Qonnaatiinhogganamuun akka Fadiis Babal’insa qonnaa qorannoo Giddu-galeessi Seenaa Gababa Note: M=multiplied, D=disseminated Note: OA=Ongoing activities,CA=Completed activities T Midhaan Beeyldaa Qabeenya Uumamaa Makanayizeeshiini Teeknooloojii makaanaayzeeshinii Qonnaa(lakk.) Hawaas dinagde qonnaa fiBabal’ina Gosa bishingaa Strayiga dandamatuu(qt) Gosa bishingaa Strayiga hindandamanee(qt) Boqqolloo (M3,M4&M6)(qt) Bolloqqe e(Awash melkasa, Anger)(qt) Qamadii (qt) Garbu (qt) Saliixaa(qt) Pear millet (qt) otal Maqaa adeemsa Gosa teeknooloojii GIDDU-GALEESSA QORANNOO Improved Farmers’ andInvestment Accessto FinancialServices 11 39 4 5 19 - OA 2002 M 1377 87 - - 5 - - - - CA 1 - 7 - 6 - 2002 QONNAA FADIS 23 10 63 8 23 - D 947 76 - - 3 - - - - OA 2003 CA 6 - 6 26 15 - M 778 277 109 23 4 8 7 - - Baayina teeknooloojii bara baraan Aktivitilee qorannoo lakkofsaan 2003 33 12 8 67 14 - OA D 542 270 100 18 3 6 6 - - 2004 CA 13 3 7 23 - M 768 244 106 18 3 4 4 - - 2004 29 12 9 12 62 22 OA bu’uraa feduu dha guddisuun sadarkaa ooyirutti jijirrama Bara 2012ttidhiyeessa tekinolojii Mul’ata fooyya’u gahee isaagumaachuudha. oromiyaa haalaittifufinsaqabuun akka dhiyessuun jiruufiJireenya ummata fi galteewwan industrii guddisan oomishaa fioomishtummaa qonnaa guddisuun tekinooloojiiwwan Dandettii Kalaqummaafibeekkumsaa Ergama E-mails: [email protected] D 636 184 101 5 2 3 2.5 - - 2005 .O.Box: 904, Harar, Ethiopia a i p o i h t E , r a r a H , 4 0 9 : x o B . O P. Capacity Builders CA 10 14 10 M 771 225 192 143 25 7 5.5 4 4.5 20 3 5 10 22 60 2005 OA 9 4 5 7 6 6 6 5 2 0 : e l e T 2006 Fax: 0256667551 D 545 218 185 139 23 8 4 3 4 CA 11 3 16 30 M 903 390 248 161 37 - - - - Address: OA 20 8 7 13 13 61 2006 2007 D 655 344 231 148 29 - - - - CA ------Agri-ProFocus Ethiopia 37 Finance Fair - Haromaya otal T 30 30 61 25 25 359 46 69 17 21 35 35 63 45 60 20 32 31 56 40 17 91 district Area of Area Female - - - - 162 9 35 5 8 5 5 12 5 12 2 12 6 6 13 5 43 Farmers implementation/ Kurfachale & Jarso Kurfachale & Miidhaga Babile, Fedis districts districts Babile & Fedis districts Babile & Fedis district Kombolcha Haramaya Fedis Babile and Fedis Babile & Fedis district Kersa Haramaya and Fedis Woerdas and Fedis Haramaya Babile & Fedisi fi Erer Haramaya and Fedis Haramaya Fedis Kombolcha Male - - - - 197 37 34 12 13 30 30 51 35 48 18 20 25 42 27 10 48 otal irratti agarsiifaman irratti otal T 42 123 55 40 56 12 39 50 50 20 93 35 36 70 30 50 150 T 6 5 2 2 2 42 27 9 2 5 6 6 6 3 10 3 4 10 7 8 2 11 Female - - - - 12 4 3 1 0 0 0 4 1 2 1 1 2 2 2 1 2 Female 8 10 10 - 12 - 7 10 10 3 28 15 7 20 8 30 20 Development agent Development Male - - - - 30 23 6 1 5 6 6 2 2 8 2 3 8 5 6 1 9 34 113 45 40 44 12 32 40 40 17 65 20 29 50 22 20 130 Male Participant farmers Participant otal T 4 - 2 1 - 20 10 6 3 7 5 5 4 2 1 2 4 12 4 3 - 2 Quantity 10 12 12 60 3 4 6 6 2.5 10 - - - 1 - 1 10 (SMS) - Female - - - - 5 - 1 0 0 0 0 1 - - - 1 2 - 0 - - babal’isuu, bay’isuu fi ta’an mijataa bu’uraa Teekinoloojii babaalissuu, teekinoloojii Wirtuu leenjii qonnaan bulaa irrattii fi babal’isuu, agarsiisuu ta’an mijataa qonna tooftaa fi teekinooloojii Leenjii fayyadama kennuu. irratti ammayyaa Male Subject matter specialist specialist Subject matter 1 - - - - 15 10 5 3 7 5 5 3 2 2 2 3 10 4 3 - 2 Sorghum (abshir, hormat, , gubiye, &Teshale) in quintal &Teshale) , gubiye, hormat, (abshir, Sorghum &M6) in kuntal (M4 Maize in quintal Groundnut(Werer-961) &Gudane) quintal (Bubu, Dadafa Potato pump in number Washer for Sorghum using tie rigger Tied-Ridging practices digger in number Groundnut in number ardu) rigger, implements(tie Farm seed in kg Forage in number implements tillage Farm technology preparation powder Tomato hot pepper and tomato potato, sweet Improved technology processing Fruits and vegetables in number thresher Mini engine sorghum technology processing Cassava in number thresher Multi- crop Bread wheat(Mada-walabu &Dure) in quintal &Dure) wheat(Mada-walabu Bread Gosa teeknooloojii Teekinooloojiiwwan bara 2005 fi 2006tti ooyruu qonnaan bulaa (FTC) (FTC) ooyruu qonnaan bulaa 2005 fi 2006tti bara Teekinooloojiiwwan 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 No. 1 Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Capacity Builders Capacity Hojii qorannoo adda addaa (madaqsuu, foyyessuu) adda addaa (madaqsuu, foyyessuu) Hojii qorannoo gaggeessuu, ta’an teekinoloojii mijataa qonnaan bulaa irratti Lafa madaqsuu fi babal’isuu , agarsiisuu, irratti qonnaan bulaa (FTC) fi ooyruu FRG agarsiifaman, baay’isuu fi foyya’aa sanyii wajjin Waldaalee raining topic raining Intercropping Cow pea and LabLab with Striga Resistant Sorghum and Maize Variety and Maize Sorghum Resistant pea and LabLab with Striga Cow Intercropping T Improved bee keeping management bee keeping Improved practice and management Sesame and linseed production preparation and seed practice, and management production Tomato practice and management Onion production implements tillage of farm Usage production forage bee production, Bee keeping food preparation and production Cassava production purpose vegetable and for domestic washer pump of Installation on seed production farmers seed business, and Clustering Seed production, techniques Queen rearing and bee wax processing Crud honey production for sorghum using tie-ridger harvesting In-situ water digger and its usage using groundnut harvesting Groundnut and management production hot pepper and tomato potato, Sweet selection variety crop Improved and solar pump rope-washer of Utilization production crop rainfed for practices technologies and management harvesting Rainwater digger and its usage of groundnut Importance selection & variety crop Improved of maize bean & intercropping of haricot Double cropping using different area closure of degraded rehabilitation on farmers for creation Awareness conservations) and physical (biological technologies management land degraded for fertilizer inorganic ratio with interaction of and application compost of Preparation production sorghum Hojiilee Ijoo: Leenjii fayyadama teekinooloojii fi tooftaa qonna ammayyaa kand bara 2004-2006tti bara kand ammayyaa qonna tooftaa fi teekinooloojii Leenjii fayyadama Agri-ProFocus Ethiopia 38 Finance Fair - Haromaya lack the necessary manpower and experience. There is an is There experience. and manpower necessary the lack and young are colleges the of most as weak are agriculture than other fields in university the of activities outreach and bulletins, dissertations research the However, reports. PhD research thesis master and of articles, number a research and posters proceedings, chapters, and livestock book crop textbooks, improved improved many produced several has institution The many practices. management releasing and varieties and crop developing been has University the decades, six about for Ethiopia in extension and research education, agricultural of institution pioneer a to organizations strengthen its academic, research international and outreach activities. As and national with linkages sinceits ofagriculture, inception. Throughthe fields the years, the institution has established in primarily activities, research in involved actively been has University The (ILT). Tenure Land of Institute and and (IPDS), Peace Studies Development of Institutes (IPAS), Studies pastoral Agro and Pastoral of Institute the include These programs. outreach and research cater that institutes launched has university the programs, academic to addition In programs. training are second degree (M.Sc./M.Ed./MPH) and 14 are PhD level 104 programs, undergraduate are 106 which of 224 programs of total a offers University the divisions, these Under Technology (IOT). of of College Institute and (CCDE) Education Sciences(CEBS), Distance and (CNCS),College Continuing Behavioral and Sciences Education Computational of and Natural of Sciences(CMHS), College Medicine(CVM), Veterinary of College College Law(COL), Health of Humanities(CSSH), and and Sciences Social Medical of College of Informatics College and Computing (CCI), of College (CBE), Economics and Business of College (CAES), ofAgriculture Science Environmental and College namely, institute one and Colleges 11 into reorganized were Faculties previous the Currently, of graduateprograms. has been highly engaged in the expansion and diversification programs, undergraduate from apart University, The 2006. inFebruary University Haramaya renamed was institution further diversify the training programs of the university. The Technology were initiated in2003 and 2004, respectively to of Faculty and Medicine Veterinary of Faculty Furthermore, In witnessed of study. opened. were Faculty Economics, and Business of has namely of Faculty and Law faculties, fields University more two of the 2002, terms September years, in few expansion tremendous last the In thatwas university afull-fledged renamed AlemayaUniversity(AU). to become institution the enabled and Sciences, programs, ofHealth existing the diversified further Faculty the and Education of the Faculty namely faculties, two the of opening The Health. and yearby Education Teacher of fields the in programs academic new launching 1995/96 phase the another during through transformation went of again once university The ... Continued from Page 27 Improved Farmers’ andInvestment Accessto FinancialServices the Institute of Agro-industry and Land Agro-industry Resource isfound. of Institute the Chiro Campus located in Chiro Town, where is emerged recently and third The situated. Specialized University Teaching Hospital are Health of Fana Hiwot College including Sciences Medical and where Town Harar in located is Campus second The located. are offices of the management of the institution Ababa, Addis the nerve center of the University where of the East km between Dire Dawa and Harar towns. This is is 510 about laid, at was located is milestone campus This Campus. Haramaya first the where campus, main The premises. campus three nongovernmental on functioning now is University The levels. international and and national at organizations organizations governmental sector, urban private the community, dwellers, rural the include that stakeholders various make with to linkages need proper the requires This large. at country the and stakeholders the of needs the to relevant programs training its make to order in activities outreach and research make its to to programs academic its university link to efforts the for need urgent nevr o te nvriy hud be should university the environmental friendly. All of Environment: endeavors and Nature for Respect entrepreneurial skill. and technologies services, processes, ideas, new generating for a culture Develop creativity/innovation: Fostering of working other andwith Culture University the within cooperatively spirit: Collaborative standard ofprofessional integrity andethics. Professionalism: regional and discriminations. religious, ethnic, racial, class, sexual, without people all of respect the for conviction a practices; of forms all in fairness ofequal diversity: for Respect principle the opportunity. of management promotion and and leadership accountable transparent, inclusive, responsibleand Good governance: knowledge andabilities. to perform assigned duties to the best of one’s Perseverance: and practices development. academic and relevant investigate in engage inquire, individuals where environment academic democratic and free a to commitment strong A freedom: Academic the to committed following core values: is University Haramaya C ore V Capacity Builders alues A commitment and dedication and commitment A cmimn t a high a to commitment A The practice of democratic, A culture of equity and equity of culture A Agri-ProFocus Ethiopia 39 Finance Fair - Haromaya www.tgtenterprise.com Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Fax # +251-116-62-30-58 Fax Tel. # +251-116-62-37-24/23 Tel. Megenagna Building,Megenagna 2nd Floor, P.O. Box 1224, Addis Ababa, Ethiopia Box P.O. Samuel Setargie: [email protected] Private Companies Private Agricultural Mechanization in Ethiopia in Mechanization Agricultural TGT’s mission is to build a sustainable and socially responsible business which enables small business responsible and socially build a sustainable mission is to TGT’s Rumptstad by using proven production their increase to and agri-entrepreneurs holders farm and implements. tractors and affordable appropriate are that (2WT) and implements tractors 2-wheel introducing are We holders. small farm for holders 12.7 million small farm Farmers: Number or Agribusiness clients: Mahalet Solomon: [email protected] Agri-ProFocus Ethiopia 40 Finance Fair - Haromaya A brief description of Bere Sericulture Production Limited Company production by own themselves Training farmers to excises sericulture Processing cocoon into wings Rearing silkworms students onthefarm ofthecompany Practical experience sharingwith farmers and participate inthesericulture production seeds to framers and any volunteer to Distributing seeds/budsor mulberry castor of thesericulture production Enabling farmers to engage intheproduction & development ofthecountry. Plays acatalytic role intheeconomic progress the like. experience sharingfor students, tourists and employees. Serve asthebest center ofthe provide training to farmers, outgrowers and raw cocoon, thread ofsilk,market link,and Main products ofthePLC is andservices 2014. stretched across theZone 31, asofJanuary It has67outgrowers and10indirect farmers Technology to thecountry. Pioneer to introduce modernsericulture Ethiopia, established in2009. The leadingSericulture organization in motivated, skilledanddisciplinedemployees. We strongly believe that Committed to realize; stakeholders’ needsthrough entwined effort of in turnsupportsnational development priorities, bydeploying highly local community withgloballycompletive vicinityofthe firmswhich To become aworld-class ofsilkprocessing center by theyear 2025 Bere Sericulture Production The mainactivitiesperformed inthe company are: winning thepublicconfidence isthebasisofoursuccess. Improved Farmers’ andInvestment Accessto FinancialServices Limited Company company industry andsoonactivities are performing inthe Serve asa training center ofthesericulture to theothers Create work opportunityfor youth, women, and best yieldoftheleave ofthemulberry variesmulberry inthelocal community to get Making apractical research inimproving country Serve asatechnology transfer center inthe level to minimize amarket riskofthefarmers generate income from the cocoon saleat local Create amarket linkto thefarmers inorder to the market link. farmers andtake theproducts ofthefarmer to means ofsericulture technology transfer to the It links backward andforward that isserve asa order to beacompetitive sector. providers andsoonthroughout theworld in acclaimed donors, financialinstitution, loan standing relationships withmany internationally Now aday, itseeks to have reliable andlong- Organs andthelike. Research centers, Universities, Government It hasstrong correspondent relationship with the country. critical role in familiarizing thesilkproduction in Currently PLC hasvarious stakeholders whichplay producer withoutlet market segments. The first company in Ethiopia to linklocal MISSON VISON Private Companies Agri-ProFocus Ethiopia 41 Finance Fair - Haromaya Bere Sericulture Sericulture Bere Structure Organizational Our Values Encourage new ideas that can improve and boost the farmers’ Encourage new ideas that can improve performance Recognize the significance of solidarity for success Respect diversity of viewpoints Committed to the highest ideal of honor and straightforwardness Recognize our employees as valuable organizational resources Understand that the sustainability of our business depends on our ability to maintain and build up the public's confidence Value the importance of our role in national development Value the importance of our role in endeavor and step-up for commitment countries in which we do Abide by the law of Ethiopia and other business environment Care about society’s welfare and the our customers Strive to excel in our business and satisfy to our customers’ and aspire Dedicated to offer quality products of our customers and the to be branded with quality in the minds general public The long run or strategic view of the company view The long run or strategic company company Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved It will be a competent company in the silk rearing, processing, and processing, in the silk rearing, company It will be a competent segment in the global market of sericulture products marketing and in link both forward in the country model company It will be a role of the farmers system economic backward spinning) reeling, machine ( weaving, silk processing It will plant service of training It will be a center farmers to of the larvae and distributer center It will be an egg producing centers and research university organs, with Government Collaborate Private Companies Private The overall number The overall of employees of the of employees Administrative employees are 11 are employees Administrative 14 are Rears 5 workers Farm 5 are makers Thread Therefore, total number of the is 35 in the company employees Confidence Integrity Employees Teamwork Innovation Customer Satisfaction Customer Quality Service Corporate Citizenship Corporate Agri-ProFocus Ethiopia 42 Finance Fair - Haromaya Mobile: Fax: Phone: Location: Abinet Shewangizaw Mandefro Mobile: Location: GOGGLE TRADINGPLC Mobile: Fax: Phone: Location: G.E.M ENGINEERING House NO.: Kebele: Sub-City: Mobile: Fax: Phone: Location: GEDEB EngineeringPLC Fax: Phone 3: Phone 2: Phone: Location: Abulkhase PLC Sub-City: Mobile: Fax: Phone: Location: Olive Agriculture SolutionPLC House No.: Sub-City: Mobile: Fax: Phone 2: Phone: Location: Astunet BusinessEnterprise PLC Mobile: Fax: Location: CHILALO AGRICULTURAL INPUTSUPPLY Fax 2: Fax: Phone 3: Phone 2: Phone: Location: Bruh Tesfa Irrigation and Water Technology PLC House No.: Kebele: Mobile: Fax: Location: Agricultural InputSupplyEnterprise Agricultural Input +251 911212129/ +251911421988 +251 114167646 +251 114167626 Addis Ababa,Ethiopia +251 911304297 Ethiopia +251 911208221 +251 114404095 +251 114401197 Ethiopia 196 02/03 Kirkos +251 911207218 +251 114167939 +251 114664261 Addis Ababa,Ethiopia +251 112752903 +251 112756471 Addis Ababa,Ethiopia Kirkos +251 911523359 +251 958036238 +251 115522021 Addis Ababa,Ethiopia 1206 Bole +251 911203372 +251 116627965 +251 116627967 Addis Ababa,Ethiopia +251 911840988 +251 233311539 Arsi, Ethiopia +251 115157660 +251 344400467 +251 344400474 Mekelle, Ethiopia 292/2-15 15-16 +251 911211797 +251 115541367 Addis Ababa,Ethiopia Suppliers Improved Farmers’ andInvestment Accessto FinancialServices +251 116612048 +251 116546768 +251 116627961 +251 115157622 +251 115502990 Fax: Phone: Location: ALI ABDU Kebele: Mobile: Fax: Phone: Location: FEYISSA DEGAGAHAJI IMPORT/EXPORT Mobile: Fax: Phone: Location: Periplus Business PLC House Number: Kebele: Mobile: Phone: ALocation AddisAbaba House Number: Kebele: Mobile: Fax: Phone: Location: ITALIAN MACHINE TOOLS PLC Mobile: Fax: Phone: Location: Quba General Trading Fax: Phone: Location: Middle Awash Agricultural Development Ent. Phone: Location: Urban Agriculture Office Kebele: Mobile: Fax: Phone: Location: ADIAM BUSINESS PLC Fax: Phone: Location: Alcktech Comp Mobile: Fax: Phone: Location: GACMAS PLC Mobile: Fax: Phone: Location: IMPROVEMENTS SERVICE PLC ADDIS LIVESTOCK PRODUCTION &PRODUCTIVITY +251111564640/1553346/1112030 +251 114670203 +251 114670202 Addis Ababa,Ethiopia 12 +251 911225816 +251 111551428 Addis Ababa,Ethiopia +251 911210668/+25111789090 +251 111565256 +251 111565256 Addis Ababa,Ethiopia NEW 1 +251 911211178/1436531 +251 116550405 50 +251 911207006 +251 114668418 +251 114668419 Addis Ababa,Ethiopia +251 911219729|242124 +251 112782251 +251 118500601 Addis Ababa,Ethiopia +251 115507317 +251 115525606/221114592 Addis Ababa,Ethiopia +251 331120072 Dessie, Ethiopia 12 +251 911628996 +251 115546006 +251 115546006 Addis Ababa,Ethiopia +251 111630432 +251 111630436 Addis Ababa,Ethiopia +251 911202796 +251 114341520 +251 114341520 Addis Ababa,Ethiopia +251 111981239 +251 111442671 +251 114667599 Addis Ababa,Ethiopia 431 Directory Agri-ProFocus Ethiopia 43 Finance Fair - Haromaya 9999/1 536 Ethiopia Addis Ababa, +251 11 4666257/6388 Addis Ababa, Ethiopia +251 11 4421133 +251 11 4420667 13 1044 Addis Ababa, Ethiopia 4391459/4393675 4393674 1203360 Banks, Insurance Insurance Banks, Companies & MFIs +251 11 4666145/6374/6231/6197 +251 11 4666145/6374/6231/6197 House Number: PLC TRADING HOUSE AMBASEL Location: Phone: Fax: S.C. ENGINEERING RIES Location: Phone: Fax: Kebele: House Number: HOUSE PLC FARMERS KALEB SERVICE Location: Phone: Fax: Mobile: Kebele House Number: S.C. UNITED BANK Ethiopia Addis Ababa, Location Phone +251 114 655222/40/41/42 +251 114 655243/44 Fax 6 Kebele S.C BANK ABAY Ethiopia Addis Ababa, Location Phone +251-118-30-20-30/11-5158782 +251-115-52-88-52/011-5528882 Fax 17/18 Kebele S.C. BANK & BUSINESS CONSTRUCTION Ethiopia Addis Ababa, Location Phone +251 115 512300 +251 115 515103 Fax 10 Kebele House Number 17 Bank Bunna International Ethiopia Addis Ababa, Location Phone +251- 111- 58-08-25 +211 11 158 0832 Fax Bank Zemen Ethiopia Addis Ababa, Location Phone +251 115 539363 OF ETHIOPIA BANK COMMERCIAL Ethiopia Addis Ababa, Location Phone +251 115 51 50 04/5511271/5151113 +251 115 514522/5504588 Fax 1 Kebele SC BANK DASHEN Ethiopia Addis Ababa, Location Phone +251 114 661380/+251 -11- 467 18 03 +251 114 653037 Fax 5 Kebele Banks Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved +251 91 1208066 +251 91 1208066 9 39 Ethiopia Addis Ababa, +251 115 152838 +251 115 534588 Addis Ababa, Ethiopia +251 11 5534260 +251 91 1425734/1426493 624 Addis Ababa, Ethiopia +251911439721 +251911439721 Yeka 08 006/07 Addis Ababa, Ethiopia +251 11 6637778 +251 91 1641733 2348 Addis Ababa, Ethiopia +251 91 2120193 7 536 Addis Ababa, Ethiopia +251 11 6601161 +251 91 1601161 NEW Addis Ababa, Ethiopia +251 116 181688 +251 116 181685 Addis Ababa, Ethiopia +251 11 5519557/5532033 +251 11 5517453 +251 91 1201600 988/44 Addis Ababa, Ethiopia +251 11 2787044 +251 11 2766760 +251 91 1237902 2 Addis Ababa, Ethiopia +251 11 5502437 +251 11 5530010 +251 91 1401954 +251 11 6639615/6611088/6188280 +251 913 926679/ +251 914 706171 Directory Kebele: House Number: Plc Mechanization Agricultural Hiwot Location: Phone: Fax: MAMAO AYELE HABTAMU Location: Fax: Mobile: Kebele House Number: Auxiliary Trade Import Export Foreign Anteneh Gizachew Location: Phone: Mobile: Sub City: Kebele: House Number: AND TRADING PLC ENGINEERING ACME Location: Phone: Fax: Mobile: Kebele House Number: HABTE MIHRETEAB Location: Mobile : Kebele: House Number: AMARE HAILE WORKNEH Location: Phone: Mobile: Kebele: House Number: PLC REFARM Location: Phone: Fax: Mobile: CHEMTEX PLC Location: Phone: Fax: Mobile: House Number: PLC TRADING JOS INTERNATIONAL Location: Phone: Fax: Mobile: Kebele: & FOREIGN EXPORTER & ELENI IMPORTER, SOLOMON PLC TRADE AUXILIARY Location: Phone: Fax: Mobile: Kebele Mobile: Agri-ProFocus Ethiopia 44 Finance Fair - Haromaya Kebele 17/18 Fax +251-115-540530 Phone +251-116-6627671/91/+251-115-549800 Location AddisAbaba, Ethiopia ADDIS INTERNATIONAL BANK S.C House Number1146 Kebele 17 Fax +251115504349 Phone +251115503288/5503304 Location AddisAbaba, Ethiopia NIB INTERNATIONAL BANK SC Fax +251-115503737/+251-115507 070 Phone +251-118960017/+251-118017 Location AddisAbaba, Ethiopia Oromia International Bank Kebele 15 Mobile +251911243320 Fax +251115510409/5511575 Phone +251115514130/5546734 Location AddisAbaba, Ethiopia BANK OFABYSSINIA Phone +251-11-8-50-12-07 Location AddisAbaba, Ethiopia Debub GlobalBankS.C House NumberNEW Kebele 12 Fax 6627114/15 Phone 6626900/6626050/6626000 Location AddisAbaba LION INTERNATIONAL BANK S.C Fax +2511166223431 Phone +251116554724/+251623421 Location AddisAbaba, Ethiopia BERHAN INTERNATIONAL BANK S.C House Number1146 Kebele 17 Fax +251115523520 Phone +251115523800 Location AddisAbaba, Ethiopia WEGAGEN BANK S.C House Number630 Kebele 17 Mobile 1405209 Fax 5150489 Phone 5506025 Location AddisAbaba COOPERATIVE BANK OFOROMIA House NumberALEMBULD. Kebele 2 Fax +251116627765 Phone +251116637752/53/54 Location AddisAbaba, Ethiopia AWASH INTERNATIONAL BANK S.C. House Number612 Kebele 17-18 Fax +251115511606 Phone +251115511188/89 Location AddisAbaba, Ethiopia DEVELOPMENT BANK OFETHIOPIA Improved Farmers’ andInvestment Accessto FinancialServices Mobile 1236123 Fax 6632940 Phone 6187000/6632943 Location AddisAbaba LION INSURANCECOMPANY Mobile +251911201544 Fax +251115514592 Phone +251114425754/6000 Location AddisAbaba, Ethiopia Nile Insurance Company S.C House Number3170 Kebele 2 Fax +251116638253/54 Phone +251116637716 Location AddisAbaba, Ethiopia AFRICA INSURANCECO./S.C./ House NumberNEW Kebele 2 Fax 5526091 Phone 5526050/5525949 Location AddisAbaba AWASH INSURANCECOMPANY S.C. House Number894 Kebele 6 Mobile +251911201688 Fax +251114650660 Phone +251114661129/27/4652448 Location AddisAbaba NATIONAL INSURANCECOMPANY OFETHIOPIAS.C.(NICE) Fax +251114671896 965970 Phone +251114671784,118965968, Location AddisAbaba, Ethiopia Lucy Insurance S.C. House Number330 Kebele 13 Mobile 1207589 Fax 6626706 Phone 6626667 Location AddisAbaba, Ethiopia NYALA INSURANCES.C. House NumberESL BUL. Kebele 15 Mobile 1201542 Fax 5514592 Phone 5514999 Location AddisAbaba NILE INSURANCECO. (SC) House Number1294-4-3 Kebele 20 Fax 1566200 Phone 1567400/1565850 Location AddisAbaba, Ethiopia GLOBAL INSURANCES.C Fax +251115517499 Phone +251115512400 Location AddisAbaba, Ethiopia Ethiopian Insurance Corporation Insurance Companies Directory Agri-ProFocus Ethiopia 45 Finance Fair - Haromaya S.C MIcrofinance Bussa Gonofa Mr.Teshome.Y [email protected] /0114-654155 0114-653283 Addis Ababa Cooperative and Credit Saving Baladera +251 114 404613 S.C (DECSI) Institutions and saving Dedebit Credit Mr.Atakliti.K [email protected] 034-4409306 or 034-4410250 Mekelle (Dire) S.C MIcrofinance Diredawa Sentayehu.K Mr. [email protected] 025-1119247/025-119246 Dawa Dire S.C MIcrofinance Digaf B. Feleke Mr. [email protected] [email protected] 0112-132928 or 0911-430783 Addis Ababa S.C Microfinance Eshet Mr.Kebede [email protected] 0113-206451/53/52 Addis Ababa S.C Gasha MIcrofinance Mr.Nebeyleul.T [email protected] 0116-558830 or 0116-558831 Addis Ababa S.C Harbu MIcrofinance B. Mr.Tesfaye [email protected] 0116-631878 or 0116-185510 Addis Ababa S.C MIcrofinance Letta T. Mr.Solomon [email protected] 0116-636947 Addis Ababa S.C Meklit MIcrofinance Mrs.Netanet [email protected] 0115-507964/0112-131887 Addis Ababa S.C MIcrofinance Metemamen Mr.Gemechu [email protected] 0116-615398 Ababa Addis S.C (Ocssco) saving and Credit Oromia Teshome Mr. [email protected] 0115-534870/72/73 Ababa Addis

Improved Farmers’ Access to Financial Services Access to and Investment Farmers’ Improved Directory Microfinance Institutions Microfinance (ACSI) S.C Institutions and Saving Credit Amhara Mr.Mekonnen.Y [email protected] 058-220-16-51 /52 Bahir Dar S.C (ADCSI) Institutions and saving Addis Credit Abetew Awash Mr. [email protected] 0111-572720 Addis Ababa S.C Microfinance Agar Hailu.L Mr. [email protected] 046-1105952/ 046-1103881 Shasemene (AVFS) Financial services Vilage S.C Africa Dawit Kibre Mrs. [email protected] 0113-204732 Addis Ababa S.C Benshangul Gumuz MIcrofinance Mr.Zelalem [email protected] 057-7750666 Assosa Tsehay Insurance S.C Insurance Tsehay Ethiopia Addis Ababa, Location Phone +251 111 11 98 16/111 11 97 68 +251 111 11 98 86 Fax Company Insurance Abay Ethiopia Addis Ababa, Location Phone +251 11 553 53 00 +251 11 515 76 90 Fax THE UNITED INSURANCE CO.SC. Addis Ababa Location Phone 4655656 4653258 Fax Mobile 1201119 6 Kebele House Number 909 Kebele 12 Kebele 16/2 House Number S.C. COMPANY NIB INSURANCE Ethiopia Ababa, Addis Location 11 5528195/96/5535129 Phone +251 +251 11 5528193 Fax Mobile +251 11 1250619 20 Kebele House Number 206/207 S.C. Insurance Ethio-Life Ethiopia Addis Ababa, Location 96 50-52 Phone +251 11 554 554 96 53 +251 11 Fax S.C. COMPANY INSURANCE OROMIA Ethiopia Addis Ababa, Location 95 84/79 Phone +251 11 895 550 31 92 +251 11 Fax Mobile +251 911 512289/90/91 Agri-ProFocus Ethiopia 46 Finance Fair - Haromaya 0913-399644 Mr. Sentayehu Ketema MicrofinanceSomali Institutions S.C Addis Ababa MicrofinanceDynamic Inst.S.C Addis Ababa [email protected] Mr. Muluken B. Lefayeda Credit and Saving S.C Gambela Mr. C. Ochala Gambela MIcrofinance S.C Harar 0256-663745 or 0256-662733 [email protected] Mr. A. Arif Harar MIcrofinance S.C Addis Ababa 0116-463569/0116-511435 [email protected] Mr. Werku T. Wisdom Microfinance S.C Addis Ababa 0111-234181/82/83 [email protected] Mr. Amsalu A. Wasasa MIcrofinance S.C Awassa 046-2200850/ 204704 [email protected] Mr. Tarkegn Sidama MIcrofinance S.C Shashimene 046-1105952/ 046-1103881 [email protected] Mr. Edossa Shashimene yelimat eddir Agar S.C(SEYAMFI) Addis Ababa 0116-614804/622780/81 [email protected] Mr. Solomon (SFPI) Financial andSpecialized Promotional Institutions S.C Addis Ababa 251-11-6521541 /42 [email protected] Mr. Tezera K. Microfinance Institutions S.c(PEACE) Poverty eradication and Community Empowerment Awassa 046-2202053/52/51 [email protected] Mr. Ake Omo MIcrofinance S.C Improved Farmers’ andInvestment Accessto FinancialServices Nazareth Oromia 251221112186 IAR -Institute Agricultural of Research Ababa Addis Ababa251111558971 Addis Management FARM-Africa (Ethiopia) -Food andAgriculturalResearch Dire Dawa Dire Dawa 251112914 EthioChat Agriculture Animal Ababa Addis Ababa 251116542853 Addis Fodap Ababa Addis Ababa 2511158459 Addis InternationalHellens St. Piassa Street, Ababa Addis Ababa25111710165 Addis MOS St. Ayat, Ababa Addis 251 911866606 Ababa Addis Enateh St. Zekarias Woldai, Ababa Addis 251 01726596 Ababa Addis Amazon International St. Hawelti, Mekelle 251 4408963 Tigray Tigray AgriculturalMarketing SupportAgency St. Bole,Ababa Addis 251 911485690 Ababa Addis Kassa Impex Mohammed Ababa Addis 251 1182928 Ababa Addis Teppo AgriculturalAnd Trade Ababa Addis 251 344407877 Ababa Addis Agriculture andCommerce WSMVSAC -Wukro Saint Vocational Mary School for Ababa Addis 251 115517631 Ababa Addis ESAE -Ethiopian SocietyAgricultural of Engineers St. BoleRoad, Ababa Addis 251 911014268 Ababa Addis AgricultureLamida St. BoleRoad, Ababa Addis 251 115540463 Ababa Addis Oromiya AgriculturalOutputs Marketing Agency Ababa Addis 251 116462633 Ababa Addis Ethiopian Institute Agricultural of Research NGOs Agricultural Institutes and Directory

Improved Farmers’ Access to Financial Services “ and Investment

Agri-Business Finance Fair Haramaya Nov 7-8, 2014