Income Generating Activities MENARID Knowledge Exchange workshop24th to 28th of March, Hammamet, Tunisia

{prepared by :- Mamoon Al Adaileh }

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Description of the innovation • The activity targeted the

rural women in the southern part of Jordan to Improve their life by creating income generating activity which help on improving their level of income.

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Description of the innovation

• The partners involved in the innovation are women and ARMPII and training centers in universities and ACC

• This program has targeted around 1300 women in technical training courses on dairy and food processing , livestock raising , bread production , mushroom production and soap manufacturing.

• Then we direct the women's to ACC to have loans , more than 700 women submitted to have loans from ACC, but only 550 women take loans to establish their own projects( and that because of ACC conditions )

• The project cost is varied from 500 jd up to 5000 jd depending on the type of project but the total investment on these activities exceeds 1.5 million us $

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Net profit Total reveniue {monthly }

Running cost+ loan repayment {monthly }

Investment cost

Activity

Food processing 88 200 122 500 Shrak braed 47 75 28 500 Dryers, pastries and

pickles109 169 60 3000-5000 Raising sheeps and

dairy products87 147 60 800-1100 dairy products63 180 117 500 Mushroom

production *35 35 0 500 Chicken for egg

production Cost and revenue for 2 months

Results and benefits of the innovation Impact on farmers income

Results and benefits

• Impact on farmers livelihoodsthe life of the family had been changed and women began to have a good effect on family decision and significant change can be noticed by eye on the way of living and furniture inside house , dressing type , kids education , health , and nutrition

• Impact on local communities• Rising awareness of local communities

to give women's their rule in development and improving the HH life

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Results and benefits of the innovation

• Impact on natural resource• Best use for available natural

resource specially water and soil and of course human by capacity building program on different topic raised by women through training on topics like mother and kids health , public health , household budget , internet use, ……

• Using backyard stock in rational way

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SWOT analysis resultsStrengths of your organization when the innovation has been implemented

Weaknesses of your organization when the innovation has been implemented

Opportunities (external factors from the environment)

Threats(external factors from the environment)

1 - existence of institutions such as universities and vocational training centers in the project work area2 - The presence of qualified and trained staff capable of holding training sessions3 - The presence of materials and equipment needed for training4 - need of the target group for the creation of small income- Generating

1 - the main reliance in funding for Agricultural Credit Cooperation which requires certain guarantees that women’s can’t submit2 - lack of diversity in the areas of training and limited to the agricultural side only3 - lack of trust between members of the local community and the implementing agencies

• Creating a group of women can be a trainer for others

• Youth participation on work within the family

• Export of high quality , high priced product

1- rely on local marketing and personal relationships2 - lack of alternative institutions to provide financing and if they found the interest rate is high 3 - difficult economic conditions of the targeted families

4- Disjointed efforts of stake holders

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Characteristics and attributes of rural

poverty

Opportunities provided by ARMP II

CurrentPotential

Limited access to alternative sources of off-farm income.

Promote IGAs.

Increase economic benefits through employment generation from IGAs.

Increase market linkages to assure farmers’ products access to markets, which will also encourage farmers to increase productivity where feasible.

Limited opportunity for diversification of farm enterprise in view of physical farm circumstances (water, soil, topography).

Promotion of IGAs that maximize returns from limited resources.

Concentrate on improving on-farm efficiencies through altering cropping patterns and specifically concentrating on products that generate higher returns per unit of water used.

Improve access to credit to invest in a farm activity with higher income generating potential.

Raise awareness of economic benefits deriving from collective action to reduce costs along the chains and maximize profits.

Establish market linkages to ensure sales of products.

Restricted access to the financial resources needed to invest in a farm activity with higher income generating potential, due to lack of collateral.

ACC’s lending conditions have improved, but there is scope for further improvements to ensure that benefits reach the most vulnerable groups.

The project should explore the possibility of helping farmers – and in particular the most vulnerable – prepare business plans that highlight the expected returns from the investment. These plans should be presented to ACC when loans are requested.

Rural poverty and opportunities provided by IGAs under ARMP II

Recommendations to policy-makers to scale-up the innovation, and to remove constraints

• 1. Improve access to credit to invest in a farm activity with higher income generating potential.(reducing the conditions)

• 2.

• 3.

• 4.

• 5.

• Other 9

Let us discuss it ! Questions, comments and suggestions are welcome!

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S W O T

Mushroom Production

Relatively low start-up costDemand shift toward fresh produceReasonably pricedEnvironmentally friendlyFew clusters of mushroom producing units in the countryNo land use

Weak marketing and distribution systemLack of storage facilitiesLack of business skillsLack of adequate funding

Increase product recognitionMarket growth (locally and internationally)Training and support

Packaging and processingDisease risk

Medicinal Herbs

Knowledge of therapeutic use of medicinal plantsSmall land useGender friendlyRelatively higher economic returns

Lack of management and marketing skillsLack of access to fundingRelatively higher water use efficiency

Growing international marketGrowing local pharmaceutical industryAlternative medicine

Intensification of productionProcessing and packagingLack of market accessPossible quick saturation of niche markets