July 26, 2010

Protecting Maize After Harvest

Filed under: CoreProgram — Tags: — admin @ 4:18 PM

_DSC0365One Acre Fund field officers deliver training sessions to their farmers throughout the season. In August, when the product of six months of hard labor can be seen in the tall, healthy maize, it’s time for harvest and storage training.

When the maize is on the stalk, it is still filled with water, as with any ripe vegetable. If a farmer does not carefully dry her maize after harvest, fungus can grow and rot the entire crop. If the maize is carefully dried before it is stored, it is still vulnerable to pests, which can chew through storage bags and eat the maize kernels. The drying and storage processes that take place after the maize harvest are essential. Unless a farmer takes the necessary precautions to protect her maize, a grain borer or weevil can destroy the harvest in three short months.

In order to combat post-harvest crop loss, we teach our farmers a five-step harvesting and storage process:

1. Stook maize (let the maize dry while it is still on the stalk).

2. Dry maize on the cob in the sun for a few days.

3. Store maize on the cob in a cool dry place in the house for a few weeks to continue the drying process.

4. Shell the maize, then dry it in the sun again.

5. Sprinkle actellic dust, a chemical that prevents pest infestation, on the kernels and store maize in storage bags until ready to be eaten. Actellic dust protects maize from weevils, and ensures that farmers can keep their harvests safe and pest-free.

Using a substance to protect their maize is not a new concept for our farmers. In the past, some spread ash over their dried maize to prevent pest infestation. This technique only protects maize for around two months, however, and can lead to stomach ulcers when that maize is consumed. There are other commercial chemicals offered, but they are often expensive and ineffective. We have found that actellic dust, when applied correctly, protects maize from pests for up to six months. It is also relatively cheap.

While many of our farmers have used actellic dust in the past, they do not know how to use it effectively. This year, we have modified our harvest and storage trainings to include information on how to properly use and dose actellic dust. Our field officers are also selling packets of actellic dust and storage bags in the field, which allows farmers to save on transportation costs.

If a farmer uses actellic dust correctly, there is an immediate economic impact on his household. One Acre Fund farmers will harvest an average of 15 bags of maize in the main growing season, which is just enough to feed the average family of eight (each person will eat about two bags of maize a year). But if a farmer does not use actellic dust when he stores his maize, pests will typically ruin the whole stock in three months, after the farmer’s family has eaten only 4 bags. That farmer would then need to spend roughly 29,700 Kenya shillings ($370 USD) to feed his family for nine months, until the next harvest.

All of this money can be saved by spending 1,300 Kenya shillings ($16 USD) on materials for maize storage. That is a savings of 28,400 Kenya shillings ($354 USD) a year! If a farmer harvested more maize harvest than necessary to feed his family, he can store his maize until market prices are higher. For instance, in March, the market price for maize is double the price at harvest.

One Acre Fund is dedicated to spreading best practices at all stages of the growing season. Educating our farmers about proper storage practices increases One Acre Fund’s impact on its clients, but it also ensures that the hard work and financial investment our farmers have made is protected.

July 19, 2010

Irene Khaoya, Kenyan Bookkeeper

Filed under: StaffProfile — Tags: — admin @ 5:05 PM

DSC_0321Irene Khaoya joined One Acre Fund in August 2008 as the bookkeeper for Chwele District, Kenya. Chwele District has doubled in size in the past year, and Irene’s responsibilities have grown—she now manages the books for a team of over thirty field officers.

When you first joined One Acre Fund, what did your duties include?

I worked on the roster database [to track client enrollment and repayment] and often went into the field to check compliance and assist the field staff as needed.

How has the job changed since then?

When I started working, I was doing field work most of the time, but now I am mostly based in the office entering data and carrying out other office duties.

How would you describe the growth of your technical skills?

When I first starting working for One Acre Fund, they were not so good. As time went by, they really improved. My typing was much better with practice, and I even learned how to work with databases using Microsoft Access.

Do bookkeepers generally prefer being in the field or in the office?

They like being in the office more because they can understand the program as a whole and not just what is happening in the field. They have a bigger picture of everything that’s going on in the organization

Does the bookkeeper’s input ever change how things are done in the field? Yes. For example, when a problem arises with repayment collection, the bookkeeper can talk to her field director and give suggestions about how to improve the system. She can suggest changes in field policy because she knows where there’s a problem and where improvements can be made.

So the bookkeeper is like the right hand man of the field director?

Yes.

Even though there is only one bookkeeper per district, do One Acre Fund’s bookkeepers feel like a team?

We definitely feel like we’re a team. While I run duties in Chwele, a bookkeeper in another district might have a problem and contact me to know how to solve it. During our [monthly] bookkeeper meetings, we interact and share how we can improve our performance on the job.

What is a work week like for a bookkeeper?

Monday: Run the district meeting and collect repayment from the field officers.

Tuesday: Data entry on the roster database and quality control to ensure that I’ve completed all the entries and to see if there are any problems.

Wednesday: Sometimes I’m sent out into the field to do compliance or data accuracy checks.

Thursday/Friday: I sit down with the field director to plan ahead on the coming week, determining the materials or possible policy changes that need to be made.

What are some of the highlights of being a bookkeeper?

So many people respect us and trust us with the money. Whenever we collect repayment, we ensure that it’s banked and that field staff have a rough figure of what each farmer has paid and his remaining balance. We are conversant with almost all the farmers in each location. We feel highly appreciated and like being able to see the bigger picture of One Acre Fund.

What are some of the challenges?

We are responsible for a lot of cash! Also, we interact with all levels of the field staff, so we are constantly attending to the needs of the many field officers, field managers, and field directors.

Are you a farmer yourself?

I do farm. I hire other people to plant on my land, and I teach them the One Acre Fund technique so I can get a good harvest. If you compare someone who’s used the One Acre Fund technique and one who hasn’t, there’s a very big difference. It’s a lot of work but the end result is good.

July 12, 2010

Pauline Wanjala, Kenyan Field Manager

Filed under: StaffProfile — Tags: — admin @ 1:01 PM

DSC_0719Pauline Wanjala is a field manager in Webuye District, Kenya. She manages five field officers who serve nearly 500 farmers. She is also part of our fast-track management training program for talented staff.

How did you first become interested in agriculture?

From childhood, I played around with jembes [agriculture tool] and planted some crops. Seeing them grow has always made me happy.

I took advice from my parents who said that if you take up agriculture, you will be in a better position in life. Other industries have very high competition, but in agriculture competition for jobs is less, and so they encouraged me to go into agriculture.

What was your background before coming to One Acre Fund?

I completed my B.S in Horticulture at Egerton University [near Nakuru, Kenya]. Afterwards, I worked with Nzoia [Sugar Company] as a head woman, in charge of harvest and managing the cane cutters.  After Nzoia, I joined One Acre Fund in 2008.

Describe how you started working with One Acre Fund and your progression to field manager.

I came in as a Field Officer in Lutacho [village], where we were planting soya beans as part of a trial.

How long was it before you were promoted to field manager?

I joined in August 2008 and was promoted in October of the same year.

Did you grow anything for yourself this year?

I rented a shamba [piece of land] where I planted 1/2 acre of maize. It is doing very well.

What skills have you developed at One Acre Fund?

One Acre Fund has taught me how to work in teams and how to develop leadership skills. When you are in charge of more than six people and over 1,000 farmers, it makes you feel as if you are really capable. I see that I have made the right career choice. There is no other job I would want to do.   The job that we do makes us tough and able to handle any problems we encounter. I wish to be here a very a long time because I know we are growing and expanding!

What are some of the biggest challenges you have faced at One Acre Fund?

During enrollment, it is challenging because you are enrolling farmers whose background you don’t know. You find that farmers pretend to be good during enrollment, but when it comes to repayment, you see their real faces. That is when you learn that the farmer you recruited is not the same farmer you are facing for repayment. During enrollment meetings, you find that they are very punctual. But during repayment, you might not even see someone for weeks and weeks.

How do you deal with that challenge?

You visit the farmer in the early part of the year and try to collect 100 Ksh [$1.30 USD] one week, maybe 50 Ksh [$0.75 USD] the next week, so you can determine if later this farmer will either give you a headache or will give you a smooth way. One farmer will come and pay 500 Ksh [$6 USD] and then come the next week and pay 800 Ksh [$10 USD]. This is a farmer that will go smoothly. But if there is a farmer who comes with 20 Ksh [$0.30 USD] and he has a full acre of credit for 8,000 Ksh [$100 USD], if he pays 20 or 50 or 80 Ksh per week, he will have problems with repayment. But if you keep persisting with that farmer week after week, you can solve that problem.

What are your strategies for managing your team?

Once we have a problem, we always put it on the table so each and every field officer talks about the problems or challenges he or she is facing in their location. At the same time, we are going to share the successes. So when we find something that works in one location, another location copies it and goes to implement it in their location.

What do you enjoy the most about working at One Acre Fund?

With other organizations, you are only given the job to do. But in One Acre Fund you are given the job to do and the way to do it. What I like most is that I am told, for instance, to go collect repayment. But that is not the only thing I am told. I am told you are supposed to do this and that to go for repayment. So they always give me directions and support. When I am stuck, there is that team that comes to pull you up – you are not left alone.

How has the management training program helped you?

It is giving me a clearer picture of the organization and is telling me that I am a leader and that I am supposed to lead a good number of people.  I am looking forward to leading as many people as I can, at the district level and beyond.

July 5, 2010

The Benefits of Planting More Maize

Filed under: CoreProgram — Tags: — admin @ 8:47 AM

Here in Kenya, our field directors are working on a short training for farmers about the benefits of planting more maize with One Acre Fund. When farmers first enroll with One Acre Fund, they take a loan for seed and fertilizer for 1/2 acre of maize. In their next maize planting season, they will often take another loan for 1/2 acre of inputs, even if they have more land that could be planted. Anecdotally, farmers told us that they were so pleased with their harvest from ½ acre–why would they need to plant more? But most of them do plant more on the rest of their field (usually an additional 1 acre), but they often do not use fertilizer, and might use low-quality seed. This means their profit margin and harvest are a lot lower than what it could be. We wanted to create a training that would encourage farmers to take out a larger loan, while explaining the benefits of doing so in a convincing way.

Our new training will have several components. First, we’re putting together a simple, straightforward cost-benefit analysis that shows the benefits of spending a bit more on inputs (through a One Acre Fund loan). One reason farmers might hesitate to take on a larger loan is time. The One Acre Fund planting method is more time consuming that the local method, and time spent planting means that farmers can’t earn money working on a richer farmer’s land. For farmers with intermittent and unreliable incomes, it’s hard to give up money today for the potential of more money at harvest. Our field officers will discuss this issue with groups one-on-one.

The more interesting part of the training, however, will be the story of two farmers. Hungry Humphrey planted ½ acre and barely grew enough food to feed his family. He did not have any additional income to invest in his goat-rearing business, or to pay for health care for his family.

Happy Henrietta planted 1 acre of maize and 1/4 acre of beans with One Acre Fund and saved more than enough food for her family. She will sell some extra food to invest in a brick-making business. She is also saving money to invest in a dairy cow after next season’s harvest. By planning ahead, Happy Henrietta’s family was able to skip the hunger season for the first time in a long while. Her four children are enrolled in school and Henrietta was able to pay school fees comfortably.

We hope that this story will encourage farmers to make the leap and take on a loan for planting more maize next season. Growing more maize will help our farmers make investments in income-generating businesses. From One Acre Fund’s perspective, helping farmers increase their acreage under cultivation with high-quality inputs will help us reach sustainability faster. By increasing average transaction size, we increase the total loan portfolio of each field officer. Because our office cost remains constant, our overall level of sustainability goes up.

Powered by WordPress