Impact report per programme | Human Rights & Science

A3. Micro businesses in rural Togo

Seeking support

Background. Together we can empower individuals in Africa who are interested in creating micro-businesses. We will provide small loans for business investments as well as training and coaching to entrepreneurs in the rural areas of the Maritime Region in Togo. In February 2021, we reached our initial funding goal of EUR 10,000 for the 2020-2021 phase of the programme, and agreed to increase the target to support more villagers to become self-sustaining.

Future When all 200 micro-businesses have proven sustainable, the loan is paid back to the HR&S country bank account in Togo and can then be used to support another 200 women, and again and again. The second phase of the programme that started in 2020 and is expected to become sustainable in 2025. HR&S and Action10 fundraises to be able to ensure a capital of EUR 15,000 per programme. The funds are provided as smaller instalments with parallel programme management coaching and auditing, to make the programme sustainable.

ROPE Review Dec 2023

Ambition

Support villagers with micro-business and indirectly children to go to school and womens’ status.

Give out and collect loans

Outcome Challenges

RISEmember (L&D)
- Financial viability
- Bookkeeping
- Registering of a company
- Lack of understanding about the HR&S mission.
- Do not attend bi-monthly meetings

Target Partners. Villagers
- Previously: Financial accountability

Stakeholder committee

L&D M Mililohum, RISEmember.
M Yawo, Programme management Partner.
M Alexis, auditor

Output

RISEmember
- Auditing

Target Partners
- Visit villages and give guidance.

Outcome

RISEmember
- N/A

Target Partners – Villagers
- Financial accountability

SOP

RISEmember

Target Partners – Villagers

GMP

RISEmember

Target Partners – Villagers

TestE

RISEmember

Target Partners – Villagers

Project design & implementation

Background, 2010 Through the many visits that S.E.VIE performed in the rural villages in the Zio prefecture in Togo during 2010 and 2011, the association identified yet neglected but potential economic development opportunities of these villages. Women from villages struggle every day to run their business. Even though they have a strong and detailed project; microfinance companies have given up on them. The women do not have enough financial resources to manage the farming and they have been excluded from regular microfinance institute. Isolated in the countryside and with no real guarantee to offers a loan giver; villagers desperately need money to invest and be able to develop their activities. Yet, the Banks and the Microfinance institutions do not intervene in the remote areas of Togo.

Opportunity for collaboration Therefore, in 2012 Association
Solidarité Enfance et Vie (S.E.VIE)

and Action10 decided to implement a programme addressing community services through social enterprising in rural Togo. The scope of the programme was to support women and men, who wanted to start social enterprises which should provide community services. SEVIE and Action10 jointly provide loans to the business managers, mostly women, with 10 % annual interest, combined with training and coaching in all areas required for success.

Outcome The first step was a pilot in Foulany Kondji in 2012. It gathered 30 women. The business managers (Target Partners) came together in a village group called an assembly, for which a president, a secretary and a counsellor was elected. Inside this assembly, cooperatives of 4 to 6 women are created. Each woman received a certain amount of money according to their project and the payback was collective. The activity in Foulany Kondji grew successfully every year and gave rise to an assembly with 200 women and a few men. During a period of six years, the programme grew and was adopted by eight villages. The approach is embracing all aspects of community services. The programme on the field comprises of peoples with small business such as; sales of maize, beans, cakes, rice, yams and fruits, bags, clothes, shoes, drugs, goats, local drinks, local food and hairdressers.

2012 – 2018
During the first years of the programme the business owners paid back at the level of in average 90%. They appreciated the opportunity and the training. They complained about a too limited amount of coaching and they would have wished for larger amount of funds. The first phase of the programme was concluded 2018, and had then reached eight villages and one semi-urban location and 300 business owners.

2020 Review
A new phase of the village programme was initiated in 2020, after a session of reflections over lessons learned. The situation was the same as when performing the previous review in 2010. Several financial institutions are in operation but these are more concentrated in the major cities of the country. The loan conditions in these institutions are generally difficult, especially the securities or the guarantees make the poorest left out, and especially the women. Several other projects are initiated by the government (FNFI, etc.) for these vulnerable population, but few are still involved. Many people, especially women, in order to survive and support the education of their children run rural small-scale businesses. There are still many of them who seek financial support to boost their daily activities.

The new phase of the village programme initiated in 2020, targeted four villages and 200 business owners. HR&S aims to continue support vulnerable populations in order to improve their livelihoods through social entrepreneurship for a sustainable economy. To do this, HR&S partner with M. Yawo AHIAKPONOU for a programme where small credits are offered to members of the poor population in remote villages, especially women, for a renewable period during three years. M. Yawo AHIAKPONOU is from these villages himself and was supporting S.E.VIE with the implementation of the previous phase of the programme. M. Yawo AHIAKPONOU wanted to see the programme success and pointed out lessons to be learned and informed decisions to be taken.

2020-2023
This project supports 200 women in rural Togo to establish sustainable businesses. These are ladies that have come forward and requested support from HR&S. The support is in the form of loans, training, coaching weekly interactions on accounting and programme management and local support with sorting out challenges. The women group themselves into an assembly per village with a leader and an accountant as well as cooperatives of 3-6 persons, and the cooperatives are responsible for the paying back of the funds. The cooperatives thus constitute the guarantees. The loan is paid back with 10 % interest, and the interest pays for the local training and coaching by the local programme management team. The local programme management team of three persons is composed of villagers from the same region as the programme is implemented, and they have also come forward and offered to manage the programme on-site.

About Programme A1

2009
900 EURO was transferred to IARAD (Institut Africain de Recherche pour l’Action et le Développement) in Togo. These funds had been donated to INPACT by private persons. The “INPACT (now Action10) IARAD educational program” was co-funded by also IARAD itself and a total of 1350 Euro was invested in the program.

The ”INPACT IARAD educational program” has two purposes. One is to provide basic school education and the other is to promote the understanding and awareness among orphans and vulnerable children about children´s rights, to protect these rights and promote for these children an environment, which is favourable for their development.

During the year 2009, ten children were selected to benefit from the program. The selection was difficult to do, due to the fact that many more children would also have benefitted significantly from the support. The selected children were provided with the school fee costs so that they could now attend school. In addition they were provided with items necessary to manage school well, such as a sleeping mat, a lamp, two pair of shoes, a sweater, soap and a tooth brush.

Thanks to IARAD’s ability to provide, encourage and follow-up with the necessary support for the children, as many as 80 % of the children were able to pass their exams (as compared to 50 % which is the average for village schools as estimated by the Headmasters in Agbodjékpoé). This allowed them to move to the next level in school.

The encouragement offered by IARAD, was for example provided through a cultural event arranged for the children, to which the whole village was invited. During this cultural event, relevant topics were addressed through speeches, songs, dances and theater. In addition to this, the “INPACT IARAD educational program” arranged a Christmas Celebration inviting 500 children from this village.

The analysis from the year was that the collaboration with IARAD worked excellently. The goals of INPACT were achieved in that the organisation was supporting a program identified by IARAD.

Please find more information about year 2010 and 2011 in the Action10 Annual reports.

Strategy for Change

Background

Women from villages in Togo struggle with not having enough financial resources to manage their farming. Even though they have strong and detailed projects, loan-giving institutions have given up on them. Isolated in the countryside and with no real guarantee to offer a loan giver; villagers desperately need money to invest and be able to develop their activities. Yet, the Banks and the Microfinance institutions do not intervene in the remote areas of Togo. In 2012 S.E.VIE and Action10 decided to implement a programme in rural Togo. The scope of the programme is to support women, who want to run sustainable businesses. The support is in the form of loans, training, coaching, weekly interactions, and sorting out challenges together.

Context

Women from villages in Togo struggle every day to run their businesses.

Ambition

Give a startup or scale-up loans to women in villages.
To get many families involved in order to benefit from the programme.

Outcome challenges

The businesses are at a too small scale.
The profit is used directly to feed the family.
Farming is not profitable. It does not generate income.
Lack of business management & accounting.
Lack of long-term planning.
Lack of transparency & accountability.
Covid19 decreases the opportunity for contact and sale.

Activities

The Target Partners come together in a village group called an assembly, for which a president, a secretary, and a counsellor is elected.
Inside this assembly, cooperatives of 4 to 6 women are created.
Each woman receives a loan and the size is according to her project. The loans are to be paid back with 10 % annual interest.
The payback is collective by the cooperative.
The programme management partner visits each village once a week to i) collect re-payment in order to support the Target Partners with keeping the funds safe, ii) provide coaching, iii) provide training, and iv) address challenges.
Workshops with the women in order to help them to know how to manage their businesses. SEVIE visits regularly during 2012-2018. M DZAGLI visits them and teaches them regularly during 2020 and ongoing.

Output

Each of the business managers has received different sizes of loans of between FCFA 30,000 and 60,000 ( EUR 50 – 100) depending on the activity carried out.
The number of potential HR&S business managers is in balance with, or larger than, the capital made available for the loans.
The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hairdressers, etc.
The reporting from S.E.VIE to HR&S – Action10 was good at the beginning of the collaboration (2012) but the quality reduced with time (2018).
M. Milohoum DZAGLI, HR&S coach, worked with M. Yawo AHIAKPONOU to re-establish TRUST and RESPONSIBILITY. This was done through many phone calls and meetings in early 2020.
Thirty (30) people (29 women and 1 man) were involved for the first six (6) months in 2020 in the programme at Agbelouv, Togo. Agbelouve is a small town about 50 km from Lomé and it is associated to three small villages Kpotsokope, Agbodzekpo and Foulani Kondji.

2012-2018: Each woman received a certain amount of money by S.E.VIE and S.E.VIE visited each village once a week to i) collect re-payment, ii) provide coaching, iii) provide training and iv) address challenges.
2019: A year of reflections by HR&S over lessons learned.
2020 and ongoing: A new phase of the village programme was initiated in 2020 and targeted four villages, Agbelouve, Foulany Kondji, Agbodjokpo and Kotso Kope, and 200 new business owners.

Progress markers

30 persons in Jan, 30 in September 2020 and 30 in November 2020. Mostly women.
100 % of the women pay back with interest during 2020.
Whether the January businesses are sustainable in 31 Dec 2020, then after two years, three years.

Baseline

Women had limited access of loan from bank office.
Women had some activity under her hands.

Sources of evidence

Duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKPONOU Yawo.
General excel sheet for all the loan takers that contains all transactions.
A contract of six months was signed in double by every loan taker.

Required input

ActionInvest loan, that is paid back with 10 % annual interest. The situation will be discussed quarterly or bi-annually. Before the programme is concluded the full loan is paid back.

Business model

Customer segments: Village women with small business
Value propositions: F CFA 40000 – 60000 (60-90 euros)
Distribution channels: Multi
Customer relationships:
Revenue model: Bye & sell
Key Activities: Sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hair dressers, etc.
Key Resources:
Key Partnerships:
Cost Structure:

Outcome

2012-2018 (SEVIE):

The first step was a pilot in Foulany Kondji in 2012. It gathered 30 women. The business managers (Target Partners) came together in a village group called an assembly, for which a president, a secretary and a counselor was elected. Inside this assembly, cooperatives of 4 to 6 women were created.
The activity in Foulany Kondji grew successfully every year and eventually gave rise to an assembly with 200 women and a few men.
During a period of six years, the programme grew and was adopted by eight villages. The approach is embracing all aspects of community services.
During the first years of the programme the business owners paid back at the level of in average 90%. They appreciated the opportunity and the training.
After a few years, they started to complain about a too limited amount of coaching and that they would have wished for a larger amount of funds.
The first phase of the programme was concluded in 2018 and had then reached eight villages and one semi-urban location, with in total 300 business owners.

2020 and 2021: (M Yawo and L&D)

90 loan-takers during 2020.
100 % pay-back and in time.
30 women 2,000 Euro in 1 Jan – 31 August 2020. Paid back 2,200.

Business management, scaling & profit management:

The type of businesses that benefitted from scaling-up included; sales of corn, rise, small fish, smoked fish, doughnuts, soya cheese, juice, condiments, cosmetic products, accessories, porridge, porridge with sugar, food from corn to eat at the shop, juice to drink at the shop, local food, local beer, and medicine, as well as; food shop, small-item shop, tailoring, hairdressing with sales of wigs, and medical treatment.
The beneficiaries informed that they have been able to scale up their businesses and increase their turn-over as a result of the programme. The loan has made it possible for the business managers to procure more material required for their businesses.
The customer demand is in balance with, or larger than, the scaling up and all products have been sold.
This has increased the profit for the business managers.
There are also several new start-up activities such as:– WOGBAGAN Kafui in KOTSOKOPE who is a hairdresser started the sale of wigs.– DAYLOR in AGBODJOKPO procured more corn for sale of porridge and added the sales of sugar.– KAZARO ADJO started selling smoked fish in addition to the previous corn trade.– AZINOU in AGBODJOKPO, was enabled her to equip her health hut, which previously lacked materials.
Profit management – saving: Asking the question about the management of their profits, the majority of the beneficiaries told that after they weekly paid Mr. Yawo in order to manage their saving. They paid savings either daily or weekly FCFA 200 – 300 per day or FCFA 1000 – 3000 per week (EUR 1 – 5 per week).( Those who are not saving have been encouraged to start doing so.)
The saving of profit allowed them to manage any unforeseen costs and other expenses parallel to the activity.

Lessons learned

The project start-up was actually not user-driven, the HR&S Action No1. S.E.VIE was not a member of the community, but an association from the nearest small city.
Operations in villages becomes expensive due to transportation, as the programme manager will have to visit each village every month.
As the programme manager actually has to collect re-peyment per week the programme can in actal practice give out parallel loans and thereby earn mor than 10 %, maybe 20 % if managing the funds in double.
The programme manager M Yawo has the required capacity to supervise the loan-takers and hold the programme together. The programme manager Mr. Yawo AHIAKPONOU has shown the capacity to supervise the loan-takers on how to generate a profit, to encourage them to save, identify new loan-takers, and to hold the programme together. The programme manager is a villager him-self, and this may be one of the reasons why the re-start of the programme in 2020 was more successful than during the previous period.

Informed decisions

2019: Replace S.E.VIE with a programme manager from the community. M Yawo had been supporoting SEVIE with the programme since the beginning and accepted to become programme manager. SEVIE was instead proposing and also supported financially by Action10 to start the same programme in their own community, Tsévié (A26).

Impact

Not yet, expected in 2023. The expected impact is that the businesses supported shall become sustainable, and be growing by its own effort. In the 2020 – 2023 phase of the programme, 200 businesses are targeted. And the expected investment required is around EUR 12,000. Now that the payments are made in installments for a priod of two years ( and thus funds the running costs) the total coast is expected to be EUR 15,000.

The funds that have been paid back can then be invested in another group of 200 women.

The interest from the programme pays for the management of the programme (but not the coaching and auditing).

Testimonies

The business manager M. Yawo “warmly thank the people in charge of this programme for their contribution and support and hope that it will continue”.

Vision

Women in the villages have financial autonomy.

Background

Context

Through the many visits that S.E.VIE performed in the rural villages in the Zio prefecture in Togo during 2010 and 2011, the association identified yet neglected but potential economic development opportunities of these villages. Women from villages struggle every day to run their business. Even though they have a strong and detailed project; microfinance companies have given up on them. The women do not have enough financial resources to manage the farming and they have been excluded from regular microfinance institute. Isolated in the countryside and with no real guarantee to offers a loan giver; villagers desperately need money to invest and be able to develop their activities. Yet, the Banks and the Microfinance institutions do not intervene in the remote areas of Togo.

Opportunity for collaboration

Therefore, in 2012 S.E.VIE and Action10 decided to implement a programme addressing community services through social enterprising in rural Togo. The scope of the programme was to support women and men, who wanted to start social enterprises which should provide community services. SEVIE and Action10 jointly provide loans to the business managers, mostly women, with 10 % annual interest, combined with training and coaching in all areas required for success.

Outcome

The first step was a pilot in Foulany Kondji in 2012. It gathered 30 women. The business managers (Target Partners) came together in a village group called an assembly, for which a president, a secretary and a counsellor was elected. Inside this assembly, cooperatives of 4 to 6 women are created. Each woman received a certain amount of money according to their project and the payback was collective.

Follow-up

The activity in Foulany Kondji grew successfully every year and eventually gave rise to an assembly with 200 women and a few men. During a period of six years, the programme grew and was adopted by eight villages. The approach is embracing all aspects of community services.

Outcome

2020
A new phase of the village programme was initiated in 2020, after a session of reflections over lessons learned, and targeted four new villages and 200 new business owners.

Status 2020

The situation is the same as when performing the previous review in 2010. Several financial institutions are in operation but these are more concentrated in the major cities of the country. The loan conditions in these institutions are generally difficult, especially the securities or the guarantees make the poorest left out, and especially the women. Several other projects are initiated by the government (FNFI, etc.) for these vulnerable population, but few are still involved. Many people, especially women, in order to survive and support the education of their children run rural small-scale businesses. There are still many of them who seek financial support to boost their daily activities.

HR&S aims to continue support vulnerable populations in order to improve their livelihoods through social entrepreneurship for a sustainable economy. To do this, HR&S partner with M. Yawo AHIAKPONOU for a programme where small credits are offered to members of the poor population in remote villages, especially women, for a renewable period during three years. M. Yawo AHIAKPONOU is from these villages himself and was supporting S.E.VIE with the implementation of the previous phase of the programme. M. Yawo AHIAKPONOU wanted to see the programme successd and pointed out lessons to be learned and infromed decisions to be taken.

Outcome 2020

90 loan-takers
100 % pay-back and in time.

Expected Outcome 2023

At the end of this phase of the programme, more than two hundred (200) households and women are expected to have their own capital to be able to continue their IGAs independently. Families are expected to live their lives far from poverty and their children are expected to go to school.

Social good & business model

Eligibility criteria

Be a vulnerable person who is economically active.
Be between 25 and 55 years old.
Being a member of a solidarity group: 2 or 3 people.
The amount of each loan must be approved by the solidarity group as well as by L&D.
Interest payments are used to cover the administrative costs of program benefits.
Participate in association meetings.

Conditions

Amount (FCFA)*     30,000 – 100,000
Duration, months     6 – 10
Guarantee                  Solidarity cooperatives with 2-3 members
                                     HR&S coaching
Interest rate, %           10
Coaching fee, %          5
Refund period **       Weekly
Personal contrinution None
Asset guarantee    None

* € 46 – 152, approximate as depends on exhange rate.
** Refunds are either collected on site or transferred through mobile money. Both are included in the coaching fee.

Equal partnership collaboration

We aim to work in equal partnership, where each partner and partner institution is contributing with their skills to achieve the goals and where input, responsability and benefits are shared equally. The programmes must be needs driven, in the sense that a local stakeholders brings the idea and is responsible for the implementation of the programme. We further aim for real-time evalation planning, sustainable economy, accountabiliity and evidence based impact.

Target partners

The villages

Foulani Konji. Start August 2012. Restart 2020.
Following the pilot-project in 2012, 200 women formed a cooperative in Foulani Kondji.
Konde kopé. Start November 2012.
Boota. Start September 2013.
Kpota. Start October 2013.
Topévia.Start October 2013.
Tsévié. Start 2013
Tsévié is not a village but a small city, and the businesses concerns mostly selling food by the road. The project is managed by SEVIE and was scaled in 2019 and was then filed as A.26.
Toméfa Start 2014.
Agbodzekpo Start 2014. Restart in 2020.
Kpotsokopé Start 2015. Total 25 entrepreneurs until 2018. Restart 2020
Agbelouwé, Start 2020.
Kpei. Start 2020
Trekpedji. Start 2020
Akakotsokope. Start 2020.
Tokpo. Start 2020.

Programme management partners

Our programme management partners are
S.E.VIE and M. Yawo AHIAKPONOU.

The programme was initiated by S.E.VIE in 2012 and was then taken over by M. Yawo AHIAKPONOU in 2019. M. AHIAKPONOU Yawo has a very close link to the villages.

In 2019, S.E.VIE proposed to transfer their experience to a semi-urban context and to continue the collaboration with Action10, with the same approach but in Tsévie´ (programme A.26). S.E.VIE is located in and has a very close link to Tsévie.

Acknowledgement

HR&S acknowledges S.E.VIE and its CEO M. Francois KLUTSÈ and CEO assistant Mrs. Délali ADEDJE who originally developed the innovation to help vulnerable populations which constitutes loans to good women and men who work and who come to repay part of it every weekend, in some rural areas of Togo.

L&D also acknowledges HR&S and Action10 for their support with initiating the association and scaling it up

Business model

Unit: FCFA, FCFA is given as rounded off.

1st loan 2020

ActionInvest: Euro 2,000

Paid back: 1,200,000
100 % pay back with 10% interest.

2nd loan 2020

ActionInvest: Euro 3,000

Business investment loans
Paid back 1st loan = 1,200,000
New loan: 2.000.000
Coaches paid = 900 euros (590000)
New capital = 1,954,000-590,000= 1,364,000
Total capital= 1364000+1200000= 2,564,000

Beneficiaries: 60 persons
30 loan takers who have benefitted from a first loan:
1- 40000 FCFA each for 20 persons
2- 50000 FCFA each for 4 persons
3- 60000 FCFA each for 6 persons
30 new loan takers:
40000 FCFA each for 30 persons

Expected payback
Interest 10 % = 256,400
Coaching fee = 115 FCFA (Euro 0.17) per Target partner and week (24 weeks) = 165,000 FCFA
Expected payback: 2,986,000

Profit
422,000

Expected costs
Mobile Money Transfer cost (per week 3,000), six months (26 weeks): 78,000
Local travels: 165,000
Programme manager reimbursement 35,000 FCFA per month (Euro 53), six months: 210,000
Total: 453,000

Testimony
M Yawo Oct 2020: With this reimbursement (35,000 FCFA per month ) I will be able to work full-time on this programme and I will be in the villages every day.

3rd loan

By the end of the year 2020

FCFA Euro

ActionInvest 1,300,000 2,000

Costs

New loans
14 persons FCFA 30,000 (Euro 46) each    420,000         644
16 persons FCFA 40,000 (Euro 61) each       640,000          976
Total                                                                             1,060,000          1,620

Administration
Bank fees                                                                       xx                       yy
Repair motorbike Programme manager          150,000             230
Upgraded smartphone Programme manager   50,000             80
Book and contract sheet                                               15,000             23
Fuel for transportation                                                    15,000             23
Total                                                                               230,000           356

Grand total 1,290,000 1,976

Please note that the numbers are approximate as a result of varying exchange rates.

4th loan

ActionInvest was able to transfer EUR 2,000 early 2021.
The total investment so far is then EUR 9,000.
L&D actually requested EUR 5,500 for the programme to become sustainable, but the funds avaliable was EUR 2,000.

From 2021 the Management team inlcudeas also two ladies, that are reimbursed FCFA 6,000 (Euro 9) per person and month.

Financially sustainable

The expereince and calculations made by L&D early 2021 show that with an investment of about EUR 15,000 a new programme with 200 target partners can become sustainable, noting that the investement has to pay for some running costs while building up and establishing the the income from interest level that is required to cover the running costs.

L&D actually requested EUR 5,500 for the programme to become sustainable. That is, the interest can cover the programme management costs; including everything such as programme management reimbursement and weekly transporttion. Meaning

Status report July 2020

by Milohum Mikesokpo DZAGLI, PCA, CEO of Leaders & Development (L&D) and HR&S Evaluation planning coach.

Mr Milohum Mikesokpo DZAGLI worked with M. AHIAKPONOU Yawo to establish TRUST and RESPONSIBILITY for the new programme. This was done through many phone calls and meetings. L&D assisted the programme design including:

A business plan
Bookkeeping
Contract
Recruitment and Workshops
Management of ActionInvest funds

Contracts were signed on 29 /02/2020 and the new programme started finally from 01 march 2020 and the first reimbursement started on 12^th march 2020. Thirty people (29 women and 1 man) were involved for the first six (6) months. This report concerns the evolution on the activities of the implementation of the “Small-scale business programme in Agbelouve”, Togo. Agbelouve is a small town about 50 km from Lomé and it is associated to three small villages Kpotsokope, Agbodzakpo and Foulani Kondji, which are situated within 30 km from Agbelouve. Follow-up communication was arranged through cell-phone messages and calls between M AHIAKPONOU Yawo and L&D to be sure of the implementation. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars, etc.

Status July 2020

Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKPONOU Yawo.
L&D has a general excel sheet for all the loan takers that contains all transactions.
A contract of six months was signed in double by every loan taker.
An android Phone was bought for M AHIAKPONOU Yawo for helping for a good communication and for WhatsApp discussion
Regular discussions are performed with M Yao concerning the programme and difficulties
Mobile money transfer is used to reduce money transfer costs and this is also working well in this sanitary situations with COVID-19.

Kotsokope, 2020

Challenges and proposed solutions

The mobility of M Yao is a very real issue. Because every week, he travels more than 60km to collect money from women.
Proposed solution: Mobil money transfer.

Too small amount of capital to give out as loans. The limit of the amount of the loans is 40000F CFA (60 euros) but some activities need more funds to reach sustainability.
Proposed solution: Increased volume of the capital.

A large number of candidates from the previous phase of the programme are expecting a continuation.
Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the progamme, in order to learn the lessons and further strengthen the programme design.

Testimony
“The people involved in this programme were happy with these forms of cooperatives and the smile began again”.

vISIT report AUGUST 2020

VISIT TO
AGBELOUVE, FOULANY KONDJI, AGBODJEGBO, AND KOTSO KOPE
08/30/2020 FROM 1PM TO 5PM

REPORT by Elisabeth DRAFOR 08/31/2020

AGENDA
1- MEET THE BENEFICIARIES
2- PRESENTATION OF RISE TOGO MEMBERS TO BENEFICIARIES
3- EVALUATION OVER 6 MONTHS OF ACTIVITY

PARTICIPANTS
RISE TOGO: Mr. DZAGLI MILOHUM, Mr. ALEX AKOTCHAYE, Mr. KOMI ABAVE, Mrs. ELISABETH DRAFOR.
SUPERVISOR OF THE AGBELOUWE SECTOR AND ITS SURROUNDINGS and PROGRAMME MANAGER Mr. AHIAKONOU YAWO.

This Sunday 08/30/2020 RISE TOGO went to AGBELOUVE and its surroundings for AN EVALUATION OF PROGRAM NO A3. SMALL-SCALE BUSINESS PROGRAM IN THE VILLAGES

The contract for this program was signed on March 01, 2020 and the start of activities on March 12, 2020 over a period of 6 months therefore ending at the end of this month of August
Following the visit followed by interviews with beneficiaries; the first part of this program went well and the reimbursements were made by proof of a payment book (1 with each beneficiary and 1 with Mr YAWO) which proves that all the members are up to date (exemple photo of a book below)
In addition all the beneficiaries have experienced the satisfaction of this program and strongly request a capital increase by means of 100,000 FCFA desired by all
They also suggest that it would be preferable for the funds to be on time according to the season of each activity for the smooth running of the latter thus avoiding delay in payment.
Out of 30 people participating in this program has AGBELOUVE AND ITS SURROUNDINGS; 19 were present for this evaluation.

Status report SEPTEMBER 2020

Coaching report

by Milohum DZAGLI

Background

Results from the inventory of the loans in the villages, Programme No A.3. HR&S – Action10 proposed a restart of Programme No A3. L&D has kindly agreed to coach the programme and follow the management. And the management of this programme is now lead by a partner with a closer link to the villages, M. AHIAKPONOU Yawo.

L&D worked with M. AHIAKPONOU Yawo to establish TRUST and RESPONSIBILITY for the new programme. This was done through many phone calls and meetings. L&D assisted the programme design including:

A business plan
Bookkeeping
Contract
Recruitment and Workshops
Management of ActionInvest funds

Contracts were signed on 29 /02/2020 and the new programme started finally from 01 March 2020 and the first reimbursement started on 12^th March 2020.

Thirty (30) people (29 women and 1 man) were involved for the first six (6) months. This report concerns the activities of the implementation of the “Small-scale business programme in Agbelouve”, Togo for these six (6) months.

Agbelouve is a small town about 50 km from Lomé and it is associated with three small villages Kpotsokope, Agbodzekpo and Foulani Kondji, which are situated within 30 km from Agbelouve

Follow-up communication was arranged through cell-phone messages and calls between M AHIAKPONOU Yawo and L&D to be sure of the implementation. The programme in the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hairdressers, etc.

This programme ended on 31^th of August 2020 and an onsite visit took place on 30 August 2020 to consider the real end and discuss with the loan takers.

It was noted that:

Each loan taker had two duplicated books that contain every transaction, one with the loan taker and the other with M AHIAKPONOU Yawo.
L&D has a general excel sheet for all the loan takers that contains all transactions.
A contract of six months was signed in double by every loan taker.
An Android Phone was bought for M AHIAKPONOU Yawo to enable good communication and for WhatsApp discussions.
Regular discussions were performed with M Yao concerning the programme and challenges.
Mobile money transfer is used to reduce money transfer costs and this is also working well in this sanitary situations with COVID-19.

The people involved in this programme were happy while the smile began again with these forms of cooperatives. All of them appreciated the support.

Challenges and proposed solutions

The mobility of M Yao is a very real issue. Because every week, he travels more than 60 km to collect money from the women.
- Proposed solution: Mobil money transfer.

The limit of the amount of the loans is 40000F CFA (60 euros) but some activities would benefit from more funds to reach sustainability.
- Proposed solution: Increased volume of the capital.

New candidates are expecting being integrated into the programme.
- Proposed solution: More fund needed to come up with the demand.

A large number of candidates from the previous phase of the programme are requesting a continuation.
- Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.

Finances

The situation on 31 August 2020, FCFA
Invested on the field			1,200,000 (€1,800)
Items	Expenses at the end
	L&D	Programme
Reimbursement on 31 August 2020			1 476 000
Travel fees & salary of M Yao (35,000 (€50) *6)		210,000
Mobil money transfer (1,500 (€2) 46)		36,000
Communication		30,000
Transport of L&D on 30/08/2020 (Agbelouve, Kpotsokope, Agbodzekpo and Foulani kope -Lomé, in and out)	20,000 (€30)
Remaining to be collected			0
TOTAL	20,000	276,000
Funds paid back to the account			1,200,000

Status report October 2020

Coaching report

by Milohum DZAGLI,
October 03^th 2020

Background

Through the coaching of Leaders & Development (L&D), Togo, thirty (30) peoples got loans from HR&S – Action10 villages Programme No A3. This term ended end of august 2020. The management of this programme is now lead by a partner with a closer link to the villages, M. AHIAKONOU Yawo. TRUST, RESPONSIBILITY and ACCOUNTABILITY were found along with this new start of the programme.

So new contracts were signed on October 03^th, 2020 and the first reimbursement is set on October 08^th, 2020. Sixty people (58 women and 2 men) were involved for the next six (6) months. This report concerns the launch of the activities of the implementation of the second phase of the “Small-scale business programme in Agbelouve”, Togo.

Agbelouve is a small town about 50 km from Lomé and it is associated with three small villages Kpotsokope, Agbodzakpo and Foulani Kondji, which are situated within 30 km from Agbelouve.

Follow-up communication was arranged through cell-phone messages and calls between M AHIAKONOU Yawo and L&D to be sure of the implementation and to recruit people to be involved. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars, etc.

On October, 03^th, 2020

A workshop on how to use the grants and attitudes to avoid and to reimburse all the amount was addressed to all the participants in each village.
The workshop was held by M DZAGLI, M AHIAKONOU Yawo and Mme NYAGBE (L&D).
Each loan taker had two duplicated books that will contain every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
RISETogo has a general excel sheet for all the loan takers that contains all transactions.
A contract of six months was signed in double by every loan taker.
Regular discussions started with M Yao concerning the programme and difficulties.
Mobile money transfer is used to reduce transport costs of M Yawo to Lomé or to a bank for the transfer.

The people involved in this programme were happy while the smile began again with these forms of cooperatives.

Challenges and proposed solutions

The mobility of M Yao is a very real issue. Because every week, he travels more than 60 km to collect money from around 60 people.
Proposed solution: a coaching fee (collection fee) is set to be paid by each Target Partner (115 FCFA).
The minimum of the amount of the loans is 40000F CFA (60 euros) but some activities need more funds to reach sustainability.
Proposed solution: ten (10) people saw their amount increased to 50000 (76euros) or 60000 (91 euros) of the capital.
New candidates are expecting being integrated into the programme
Proposed solution: More fund needed to meet the request.
A large number of candidates from the previous phase of the programme are proposing a continuation.
Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.

Expenses for the programme
Items	FCFA
Transport of M Alexis (in Lomé)	5000
Transport of L&D on 03/10/2020 (Agbelouve, Kpotsokope, Agbodzakpo and Foulani kope -Lomé, in and out)	10 000
Print of contracts	1200
Conception of contract and book	forfaits
Copy of Book / Sale of Book	15000/-15000
Invested on the field	2 560 000
TOTAL	2 576 200

Investment, Agbelouwe & villages, F CFA

Finances	First round paid back			1 200 000
	ActionInvest (Euro 3000)			1 954 000
	TOTAL1			3 154 000
	Capital Invested			2 560 000
	Expenses			16 200
	TOTAL2			2 576 200
	Balance			578 000
	For coaches, Euro 900 (4*225)			590 310
Number of participants				60
Periods	Capital + Interest	Capital	Interest		Coaching / Collection fees charged Target Partners	Transfer fees (Money Transfer)	Spending
Week	117 430	106 690	10 740		6 900	3 000	5 400
Month	469 720	426 760	42 960		27 600	12 000	21 600
Duration 2 of the programme (6 months)	2 818 320	2 560 560	257 760		165 600	72 000	129600
	Monthly expenses
Admin & communication			5 000
Coaching or collection costs			27 600
Monthly salary supplement M Yawo (41 560)			13 960
Women (2)			12 000
Transfer fee			12 000
Total			70 560
End Programme – TOTAL (x 6)			423360

Visit report Nov 2020

COACHING STATE REPORT
By Dr. DZAGLI

Through the TRUST, RESPONSIBILITY and ACCOUNTABILITY instituted in the management, HR&S – Action10 villages Programme No A3 increased the number of loan takers in the villages on the 31^st October 2020. This is the result of the new fund supplied by the HR&S – Action10. The management of this programme is led by our closer link to the villages, M. AHIAKONOU Yawo. After the sixty (60) new contracts, signed on October 03rd, 2020, new thirty (30) women were now involved in the programme for twenty-four (24) weeks. Their first reimbursement started on November 05^th, 2020.

This report concerns the launch of the activities of the implementation of this phase of the “Small-scale business programme in Agbelouve”, Togo.
Agbelouve (Prefecture of Zio) is a small town about 50 km from Lomé and it is associated to three small villages Kpotsokope, Agbodzakpo and Foulani Kondji, which are situated within 30 km from Agbelouve. Some new members come from nearest villages such as Kpei, Trekpedji Akakotsokope and Tokpo. Follow-up communication was arranged through cell-phone messages and calls between M AHIAKONOU Yawo and L&D to be sure of the implementation and to recruit people to be involved. The programme on the field comprised of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars, etc.

On October, 31^st, 2020

A workshop on how to use the grants and attitudes to avoid and to reimburse all the amount was addressed to all the participants in each village as advice (by M DZAGLI, M AHIAKONOU Yawo and Mme NYAGBE, Rise Centre Togo B&PR).
Each loan taker was advised to manage their activities making the economy to reach sustainability in a few years (for example 2 years).
Each loan taker had two duplicated books that will contain every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
A general excel sheet was set for all the loan takers to contain all transactions.
A contract of six months was signed in double by every loan taker.
Regular discussions started with M Yao concerning the programme and difficulties.
Arrangements are made to reduce the transport costs of M Yawo to Lomé or the transfer cost.
The minimum of the amount of the new loans is 30000F CFA (46 euros) and the maximum is 40000 (60 euros) of the capital.

The people involved in this programme were happy while the smile began again with these forms of cooperatives.

Challenges and proposed solutions

The mobility of M Yao is a very real issue. Because every week, he travels more than 60 km to collect money from around 90 people.
- Proposed solution: a coaching fee (collection fee) is set to be paid by each Target Partner (115 FCFA) per week. Also, the broken moto of M Yawo is repaired by HR&S – Action10 (150 000 FCFA) to help him in the transportation.
Male candidates are expecting being integrated into the programme
- Proposed solution: Good result from the actual programme can lead to their integration. More fund needed to come up of this demand
A large number of candidates from the previous phase of the programme are expecting a continuation.
- Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.
New cooperatives are coming on the field to grant people. Women would like to take many engagements to get more capital.
- Proposed solution: As our rate would be the best, people are still interested in. But investigations are improved to avoid loan takers with two different loans. The need to increase the amount of the loan is raised.

Finances

Expenses for the programme
Items	Action 10
Transport of M Alexis (in Lomé)	5000
Transport of Coaches on 31/10/2020 (Agbelouve, Kpotsokope, Agbodzakpo -Lomé, in and out)	10 000
Print of contracts and envelop	1300
The conception of contract and book	forfaits
Copy of Book / Sale of Book	15000/-15000
Moto repairing	150000
Cell Phone	49500
Invested on the field	1060 000
TOTAL	1 275 800
Balance/1293000	17200

Report Report from field visit

by Ms. NYAGBE.

In order to support poor women in the Zio prefecture to improve their living conditions, HR&S – A10 through their representation, HR&S RISE Center in Togo, carried out, on October 31, 2020, a loan granting activity to certain women. .
Being all resellers, they numbered 30 in the respective villages of Agbelouvé, Agbodzekpo, Kotsokope and surrounding areas.
In total, an amount of one million sixty thousand (1,060,000) FCFA has been spread over a six (6) month term, the weekly repayment of which depends on the amount borrowed. For a loan of forty thousand (40,000) FCFA, the repayment amounts to one thousand nine hundred and fifty (1950) FCFA, or one thousand four hundred and ninety (1,490) FCFA for thirty thousand (30,000) FCFA of loan.
During this period, refunds will be sent to the account of HR&S RISE Support Center in Togo.
A phase of our meeting was devoted to the questionnaires of the beneficiaries following the advice given respectfully by the coaches of the RISE Togo Mr. DZAGLI and Ms. NYAGBE and the the Programme Manager Mr. AHIAKONOU Yawo, .
At the end of our meeting we visited some members of the group who had received financial support to verify their activity and the day was closed with the delivery of a new telephone and a sum of one hundred and fifty thousand (150,000) FCFA to Mr. Yawo for the repair of his motorcycle as part of his continuing work.

Test-E report Nov 2020

12 November 2020
In the localities of Agbelouve, Foulany Kondji, Agbodjokpo and Kotso Kope.
By Ms. Elisabeth Abra DRAFOR
with support from Mr Yawo concerning logistics.
Survey management coach at HR&S RISE Support Centre in Togo.

Survey Method

This survey took place on Wednesday 12/11/2020 in AGBELOUVE, FOULANY KONDJI, AGBODJOKPO and KOTSO KOPE, and targeted

a compilation of the income-generating activities of the beneficiaries
the change brought about by this programme in their life.
A compilation of the names of the loan-takers and the amount borrowed.

The survey went from one village to the next during one day.
The day of the week selected for the survey was Wednesday, which is the official market day in the region.
Ms Elisabeth, the survey management coach was accompanied by Mr. Yawo, the programme manager. Mr. Yawo drove Ms. Elisabeth on his motorbike so that she could reach the villages more easily.
The team was able to meet with 46 out of 90 beneficiaries of the programme.
Elisabeth spoke with each partner individually.

Context

Type of businesses that would benefit from scaling-up include; sales of corn, rise, small fish, smoked fish, doughnuts, soya cheese, juice, condiments, cosmetic products, assessories, porrage, porrage with sugar, food from corn to eat at the shop, juice to drink at the shop, local food, local beer, and medicin, as well as; food shop, small item shop, tailoring, hairderssing wiht sales of wigs, and medical treatment,

Output

Each of the business managers have received different sizes of loans of between 30,000 and 60,000 FCFA depending on the activity carried out.

Outcome

Business size – scaling up
The beneficiaries inform that they have been able to scale-up their bsuinesses and increase their turn-over as a result of this programme. The loan has made it possible for the business managers to procure more material required for their businesses. The customer demand is in balance with, or larger than, the scaling up and all products have been sold. This has increased the profit for the business managers.

Number of businesses – increased
From stage one, to two to three during 2020 have the number of participants increased by the maximum number; 30 each time, thus, 30, 60, 90. The maximum number refers to the size of the capital available for loans. Thus the number of potential HR&S business managers are in balance with, or larger than, the capital made available for the loans. This has increased the number of business managers that can increase the profit for their businesse.

New businesses
There are several new start-up activities of which some are mentioned here:
– WOGBAGAN Kafui in KOTSOKOPE who is a hairdresser started the sale of wigs.
– DAYLOR in AGBODJOKPO procured more corn for sale of porridge and added the sale of sugar.
– KAZARO ADJO started selling smoked fish in addition to the previous corn trade.
– AZINOU in AGBODJOKPO, was enabled her to equip her health hut, which previously lacked materials.

Level of paying back – high
The pay back level of 100 percent after stage ONE demonstrates
– the loan-takers determination to pay back and
– the programme manager M Yawo’s capacity to supervise the loan-takers and keep the programme together.

Income generation – sustainability
The business managers did not point out any issues that could cause the business to break-down, other than unexpected drops in sales and customer base a few times.
Despite these challenges that business managers reassure their dedication to always settle again no matter the situation.

Profit management – saving
Asking the question about the management of their profits, the majority of the beneficiaries told that after they weekly paid Mr. Yawo in order to manage their saving. They paid saved either daily or weekly (200fcfa to 300fcfa / day) or (1000fcfa to 3000fcfa / week). This allows them to manage any unforeseen costs and other expenses parallel to the activity. Those who are not saving have been encouraged to start doing so.

Programme management – Mr. Yawo
The programme manager Mr. Yawo has shown capacity to supervise the loan-takers how to genereta a profit, to enourgae them to save, identify new loan-takers and keep the programme together.

Lessons learned from previous phase: 2013 – 2018
The programme manager is a villager him-self, and this may be one of the reason why the re-start of the programme in 2020 is more successful than the previous.

Testimonies
The business managers warmly thank the people in charge of this program for their contribution and support and hope that it will be continuous.

Conclusion

From stage one, to two to three during 2020 have the number of participants increase by the maximum number; 30 each time, thus, 30, 60, 90. The maximum number refers to the size of the capital available for loans.

This clearly demonstrates how this programme is useful for the beneficiaries
Also, the pay back of 100 percent after stage one demonstrates
– the loan-takers determination to pay back and
– the programme manager M Yawo’s capacity to hole the programme together.

Next visit

The next visit will focus on unvisited beneficiaries. The reason why they could not be interviewed this time was due to either their absence and becasue it became late in the evening. Moreover during the next visit we will

Ask open-ended survey questions.
1. What do you think about this initiative?
2. What is good?
3. What can be improved?
4. Other.
Call for group meeting and ask open-ended group questions.
1. Ask each member to talk freely about the programme and invite the others to comment.
Ask for un-guided testimonies.
Take photos and video, with written conent to be shared on web-site and possibly social media as well.

Details about the business managers

AGBELOUVE

N ° NAME FIRST NAME CONTACT ACTIVITY Amount Received

1 DZENE Akossiwa Seamstress 60,000 FCFA
2 KODEGUI Christine 98181293 Catering + Purchase Sale of Corn 60,000 FCFA
3 KODEGUI Amavi 91473594 Sale of juice + catering 40,000 FCFA
4 AGBESSIME Adjowavi 96602410 Sale of condiments 40,000 FCFA
5 KODEGUI Friend
6 KODEGUI Mangui
7 DOTSE Ablavi 97 608 503 Sale of wig 40,000 FCFA
8 EDOH Ablavi
9 KOUWONOU Friend
10 SODOGA Kossiwa 98736950 Sale of Thrift Store 40,000 FCFA
11 AGBOMADJI Friend 97291179 Rice trade 40,000 FCFA
12 ZIGAH Akoua
13 DAYO Afi
14 AYIBOKOU Friend
15 ABALO Catherine
16 YAPE Adjovi
17 DEDJO Akpedjé 97654297 Sale of cosmetic products + accessories 40,000 FCFA
18 AVOUKOU Akossiwa

FOULANYI KONDJI

N ° NAME FIRST NAME CONTACT ACTIVITY AMOUNT RECEIVED

1 AHIAWONOU Adjo Small general food shop 60,000 FCFA
2 KOGLO Philomène S / C 93 509 308 Purchase Sale of Corn 60,000 FCFA
3 NYADEDJO Adjo Restauration 40,000 FCFA
4 AGBOZO Afiyo 70 172 472 Sale of condiments + Catering 40,000 FCFA
5 AYITE Dela 93511300 Thrift store + Accessories 40,000 FCFA
6 AMOUZOU Délali Sale of small fish + Donut 40,000 FCFA
7 SETEWOU Ami S / C 93511 300 Sale of condiments 40,000 FCFA
8 AKAYI Amavi S / C 70 172 472 Sale of soy cheese 40,000 FCFA
9 AHIAKONOU Yawo

AGBODJOKPO

N ° LAST NAME CONTACT ACTIVITY SUM RECEIVED

2 DAYILOR Yawa 70090762 Sale of Porridge 40,000 FCFA
3 ALLILSSO Dovi
4 AZINOU Yawa 91580020 Medical case 40,000 FCFA
5 DOAMEKPO Abra S / C92894711 Smoked fish 40,000 FCFA
6 ATTIGNO Baby

KOTSOKOPE / AKAKOTSOKOPE

N ° LAST NAME FIRST NAME CONTACT ACTIVITY RECEIVED
1 ABALO Abra Sale of Condiment 50,000 FCFA
2 ADJALAM Yawa Purchase and Sale of Corn 50,000 FCFA
3 AGBEVE Yawavi
4 AGBELENKO Adjovi Purchase Sale of Corn 40,000 FCFA
5 AKPAMAGBO Akou
6 AMOUSSOUVI Adjovi Sale of Condiment
40,000 FCFA
7 AWANGA Amavi Local Drink
8 EDJA Sena
9 FETSE Afi Restauration + General Food 60,000 FCFA
10 KLOUTSE Akossiwa
11 KLUKPOE Mole Restauration (Pate, fufu) 50,000 FCFA
12 KOTA Souzana Production and Sale of Local Drinks 40,000 FCFA
13 NAPO Akossiwa
14 SIKA Abravi
15 TIKINTO Essi
16 WOGBAGAN Kafui Dressing table 40,000 FCFA
17 ATANDEMA Akuya Local Drink + Soy cheese 40,000 FCFA
18 DUNKU Massa Sale of Condiment 40,000 FCFA
19 SASI Adjo
20 NAGBADJA Boumpoua
21 GBOUDOU Akossiwa Shoe + loincloth 40,000 FCFA
22 DOUNOUGLO Yawa
23 SOWUBO Honorine Bassine + accessories seal 40,000 FCFA
24 FANWOU Julienne Pharmaceuticals + cosmetics + accessories 40,000 FCFA
25 GOSSOU Ablavi Maize + Accessories 40,000 FCFA
26 WOGBAGAN Mensavi
27 MBOM Marthe Local drink 40,000 FCFA
28 DJOMADJO Abra
29 KODJO Kuya
30 ALIMO Adjo Local drink 40,000 FCFA
31 KLAKEVI Odette Restauration 40,000 FCFA
32 KPATA Morotowa
33 TOUN Akossiwa
34 KOTSO Woèvi
35 TEVI Massa
36 DUNKU Dovi Condiment 40,000 FCFA
37 KPANKPANDELMA Meza
38 KAZARO Adjo Purchase Sale of corn + smoked fish and loincloth 40,000 FCFA
39 KLOUKPOE Akouvi Bar Restauration 40,000 FCFA
40 SEGBE Adjo 91433514 Sale of condiments 40,000 FCFA
41 ABALO Akouvi
42 ABALO Akossiwa 79553135 Sale of condiment 40,000 FCFA
43 ABALO Abrayo 93034304 Commercial but 40mil
44 ABALO Afi
45 SAVI Abouya General Food 40,000 FCFA
46 DJIDONOU Ama
47 DUNKOU Essi
48 FIOEGBE Adjovi General Food 30,000 FCFA
49 KAZARO Friend
50 KPATEKA Amavi
51 AWUNU Essi
52 FETSE Yawo
53 KEKESSI Akou
54 FOFOE Akouvi
55 AMEKO Friend
56 ADZOTSA Afi

End of the year 2020
evaluation planning report

ANNUAL REPORT -2020
AGBELOUWE & RESORTS

By Dr Milohum Mikesokpo DZAGLI, (Assoc. Prof.)
President, Leaders & Development (L&D)

Background

HR&S – Action10 proposed to restart of Programme No A3 under the management of a partner with a closer link to the villages, M. AHIAKONOU Yawo. Follow-up communication was arranged through cell-phone messages and calls setting all. This programme is implemented at Agbelouve, a small town situated at about 50 km from Lomé and it is associated to neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, which are situated within 30 km from Agbelouve. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks, bars and hair dressers, etc.

L&D worked with M. AHIAKONOU Yawo to establish TRUST and RESPONSIBILITY for this programme through the coaching. L&D and Rise Centre Togo were involved in the programme design with including:

A business plan
Bookkeeping
Contract sheet
Recruitment and Workshops
Management of ActionInvest funds
In general:
- Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
- A contract of six months was signed in double by every loan taker.
- Mobile money transfer is used to reduce money transfer costs and this is also working well in this sanitary situations with COVID-19.

For this, contracts were signed:

For the first group on 29 /02/2020 and the programme layed from 01 march 2020 (first reimbursement 12^th March 2020) to end at 31^st August 2020. Thirty (30) people (29 women and 1 man) were involved for six (6) months.
1. L&D has a general excel sheet for all the loan takers that contains all transactions.
2. A first android Phone was bought for M AHIAKONOU Yawo for helping for a good communication and for WhatsApp discussion
A second group was set from 03/10/2020 to 18/03/2021. Sixty (60) people (58 women and 2 men) were involved for six (6) months under the Rise Centre Togo. It’s noted that:
1. Rise Centre Togo has a general excel sheet for all the loan takers that contains all transactions.
2. A more sophisticated android Phone was bought for M AHIAKONOU Yawo for helping for a good communication and for WhatsApp discussion
A third additional group was set from 03/11/2020 to18/04/2021 in pararel to the group 2. Thirty (30) people (30 women) were involved for six (6) months under the Rise Centre Togo.
1. Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with M AHIAKONOU Yawo.
2. Rise Centre Togo has a general excel sheet for all the loan takers that contains all transactions.

At this date ninety (90) people were happy being involved in this programme in these villages. Smile began again in families with these forms of cooperatives. All of them appreciated the support.
For the first group, all the target partner (TP) payed back their loan. And for the Group 2 and 3, at this stage every TP is on time concerning the reimbursement.
M Yao’s motorbike was repaired to help him to join every week the TP. To help him, two women were associated to M Yao to collect the money and advice people.

Challenges and proposed solutions

Too small amount of capital to give out as loans. The limit of the amount of the loans is 40000F CFA (60 euros) but some activities need more funds to reach sustainability.
- Proposed solution: Increased volume of the capital.
New candidates are expecting being integrated in the programme
- Proposed solution: More fund needed to come up of the demand
A large number of candidates from the previous phase of the programme are expecting a continuation.
- Proposed solution: Make a survey about the understanding and experiences among participants in the previous phase of the programme, in order to learn the lessons and further strengthen the programme design.

Remarks

Concerning the business plan, the sustainability of the programme will be after two (2) years of the programme where the women would run their activities by their own capital through the interest they got from the support of Action10. So another rounds of the programme would help them to fulfill this objective.
On the field, the main request was that how to introduce many men in the group, while they ask about the opportunities.
These groups will end at 31^st march and 30^th April 2021, respectively. So If all go well a next tour will be in may for new people or old one.

Finances

GROUP 1 closed on 31 August 2020

Situation on 31 August 2020
Invested on the field			1 200 000
Items	Expenses at the end
	L&D	Programme
Reimbursement on 31 August 2020			1476000
Travel fees & salary of M Yao (35000*6)		210 000
Mobil money transfer (150046)		36000
Communication		30000
Transport of L&D on 30/08/2020 (Agbelouve, Kpotsokope, Agbodzekpo and Foulani kope -Lomé, in and out)	20000
Fund back on 31 August 2020			1 476 000
On the field to collect			0
TOTAL	20000	276000
Fund payed back at the end			1 200 000

Funds	Sent by Action 10 (2000 euros)				1 311 800 F CFA
	Received on the bank account (1972 euros)				1 293 547 F CFA
	Bank and installation costs (7%) (140 euros)				91 830 F CFA
	Capital investment				1 219 970 F CFA
	Credit amount per person				40 000 F CFA
	Capital Invested				1 200 000 F CFA
Number of participants					30
Periods	Capital + Interest + collection costs	Capital	Interest	Collect fees charged to beneficiaries		Transfer fees (Money Transfer)	Spending
Week	61500	50100	7500	3900		1500	5400
Month	246000	200400	30000	15600		6000	21600
Duration (6 months)	1476000	1202400	180000	93600		36000	129600
	Monthly expenses
Transport or collection costs			15600
Monthly salary supplement			19400
Total 1			35000
Transfer fee			6000
Admin & communication /month			5000
Total 2			11000
Total (1+2)			46000
End Programme (TOTAL (x 6))			276 000

Expenses at the launching of the programme Group 1

Items	L&D	Action 10
Transport of M Yao (Agbelouve-Lomé, in and out)	0	5000
Transport of L&D on 29/02/2020 (Agbelouve, Kpotsokope, Agbodzakpo and Foulani kope -Lomé, in and out)	15 000	0
Telephone for coordination to M Yao	0	30000
Print of contracts		600
Conception of contract and book	forfaits	0
Copy of Book	0	15000
Invested on the field	0	1 200 000
TOTAL		1 250 600

Auditing report 2020

By Mr Alexi AKOTCHAYE
Aditor HR&S RISE Support Centre Togo

INTRODUCTION

Pursuant to the contract for the audit assignment signed on November 18, 2020 with ACTION10 / HR&S, we present to you our audit report carried out on February 1 and February 07, 2021 relating to the credit activities of the A3 programme called SMALL-SCALE BUSINESS at Agbélouvé and surrounding villages supported by the association Leaders & Développement (LD) during the year 2020.

This report covers the examination of the annual report presented and the control of the accounts and various operations

I- PRESENTATION OF THE LEADERS AND DEVELOPPEMENT ASSOCIATION (LTD)

Leaders & Développement is an association working in education, health, agriculture and income-generating activities and is headquartered in Lomé. This association has accepted to support a programme abandoned by the NGO Solidarité Enfance de Vie (SEVIE) called SMALL SCALE BUSINESS. This program is located in Agbélouvé, 50 km from Lomé and has ramifications in the surrounding villages. These villages are: Foulani Kondji; Kotsokopé and Agbodzékpo. The main activity of this program is to financially support the income-generating activity of women through microcredits.

II- ADMINISTRATIVE ORGANISATION OF PROGRAMME A3

The A3 program is administered by two main members namely: – Dr Milohum Mikesokpo DZAGLI, Chief Executive Officer at L&D and – Mr. Yawo AHIAKPONOU , assistant to the manager. Given the difficulties on the ground, Mr. AHIAKPONOU Yawo was assisted by two women. These are Ms. DALOR Yawa and Ms. DJENE Kossiwa. They are Mr. Yawo’s associates in the field and in charge of the mobilization for the repayment of credits.

III- FINANCIAL MANAGEMENT

To support the women of AGBELOUVE and its surroundings, ACTION10 and HR&S have made funds available to L&D and the A3 Programme during the year 2020 for a total amount of EUR seven thousand (7.000) , or approximately four million five one hundred and ninety-one thousand three hundred (4,591,300) CFA francs. The funds have been made available to finance income-generating activities in the form of credit to be repaid and to cover other costs as shown in the following allocation tables:

	TRANSFERT	MONTANT en Euros	MONTANT EN FRANC CFA
I-	1er Transfert via le compte de M. DZAGLI	2000	1 311 800

	UTILISATION DES 1 311 800 FCFA
	Frais de tranfert prélévé sur le compte		18 365
	Montant affecté aux crédits		1 200 000
	Autres		93 435
	Total		1 311 800
	SOLDE		0


II-	2ème Transfert Via compte RISE TOGO	3000	1 967 700

	UTILISATION DES 1 967 700 FCFA
	Frais de tranfert prélévé sur le compte		17 390
	Montant affecté aux crédits		1 360 000
	Avance aux Coachs Rise Togo (900 euros)		590 310
	TOTAL		1 967 700
	SOLDE		0


III-	3ème Transfert Via compte RISE TOGO	2000	1 311 800

	UTILISATION DES 1 311 800 FCFA
	Frais de tranfert prélévé sur le compte		18 365
	Montant affecté aux crédits		1 060 000
	Réparation Moto Yawo		150 000
	Achat Téléphone à Yawo		49 500
	Confection des carnets aux membres		15 000
	Autres dépenses (transport, communication)		18 935
	TOTAL		1 311 800
	SOLDE		0

3.1 CREDIT ACTIVITIES

Out of 4,591,300 CFA of funds transferred in 2020, three million six hundred and twenty thousand (3,620,000) CFA francs were allocated to credit operations, i.e. a proportion of 78.85% of the total. During the year 2020, credits were granted three times to women’s groups.

3.1.1. 1st group credit

The 1st credit is given on February 28, 2020 to 30 people. Each of them received forty thousand (40,000) CFA francs for a total amount of one million two hundred thousand (1,200,000) francs invested over a period of six (6) months. At the end of the period, September 20, 2020, all 30 people have paid the principal and interest in full. This first loan generated interest of one hundred and eighty-two thousand four hundred (182,400) francs. Taking into account the complexity of the operations in the field, collection costs were imposed and gave ninety-three thousand six hundred (93,600) francs. Thus the total interest and collection costs (182,400 F + 93,600 F) gives two hundred and seventy-six thousand (276,000) CFA francs.

Récapitulatif sur le 1^er Crédit

Capital investi en crédit	1 200 000
Intérêts payés par les bénéficiaires	182 400
Frais de collecte des crédits	93 600
Total	1 476 000

3.1.2 Credit to the 2nd Group

This second credit was given on October 3, 2020 and benefited 60 people including 26 people out of 30 of the 1st credit and 34 new for a total amount of 2,560,000 F over six months as shown in the table below:

DESIGNATION	Nombre de bénéficiaires	Montant du crédit	Montant Total
Anciens bénéficiaires	6	60 000	360 000
Anciens bénéficiaires	4	50 000	200 000
Anciens bénéficiaires	16	40 000	640 000
Nouveaux bénéficiaires	34	40 000	1 360 000
TOTAL	60		2 560 000
Intérêts attendus			256 000
TOTAL (C+I)			2 816 000

These loans will generate a total amount of two hundred and fifty-six thousand (256,000) CFA francs in interest at the rate of 10%. These credits are still being reimbursed

3.1.3 Credit to the 3rd Group

One month after the loan to the 2nd group, thirty (30) people received loans totaling one million sixty thousand (1,060,000) CFA francs on October 31, 2020, to produce one hundred and six thousand (106,000) francs in interests.

DESIGNATION	Nombre de bénéficiares	Montant du crédit	Montant Total
Nouveaux bénéficiaires	16	40 000	640 000
Nouveaux bénéficiaires	14	30 000	420 000
TOTAL	30		1 060 000
Intérêts attendus			106 000
TOTAL (C + I)			1.166.000

3.1 CREDIT ACTIVITIES

3.1.1. 1st group credit

Récapitulatif sur le 1^er Crédit

Capital investi en crédit	1 200 000
Intérêts payés par les bénéficiaires	182 400
Frais de collecte des crédits	93 600
Total	1 476 000

3.1.2 Credit to the 2nd Group

DESIGNATION	Nombre de bénéficiaires	Montant du crédit	Montant Total
Anciens bénéficiaires	6	60 000	360 000
Anciens bénéficiaires	4	50 000	200 000
Anciens bénéficiaires	16	40 000	640 000
Nouveaux bénéficiaires	34	40 000	1 360 000
TOTAL	60		2 560 000
Intérêts attendus			256 000
TOTAL (C+I)			2 816 000

These loans will generate a total amount of two hundred and fifty-six thousand (256,000) CFA francs in interest at the rate of 10%. These credits are still being reimbursed

3.1.3 Credit to the 3rd Group

DESIGNATION	Nombre de bénéficiares	Montant du crédit	Montant Total
Nouveaux bénéficiaires	16	40 000	640 000
Nouveaux bénéficiaires	14	30 000	420 000
TOTAL	30		1 060 000
Intérêts attendus			106 000
TOTAL (C + I)			1.166.000

3.2 CASH MANAGEMENT

3.2.1. The RISE Togo Bank Account

At the date of the audit, the A3 programme has on the account of RISE Togo the sum of one million nine hundred and seven thousand two hundred and sixty-five (1,907,265) CFA francs. The disbursement is made on the account of Rise Togo by 2 people: – Dr Milohum Mikesokpo DZAGLI, the 1st Manager of Rise Togo and – Mr. Alexis AKOTCHAYE, his deputy.

3.2.2 Procedure for collecting and depositing funds into the bank account.

Mr. AHIAKONOU Yawo receives the various reimbursements made on the credits received. These funds collected are then paid into an account in a microfinance institution on site in Agbélouvé. This account is opened in the name of Mr. DZAGLI. These funds are then transferred from this account to the RISE Togo account opened at Banque Atlantique; which causes transfer fees of six thousand (6,000) francs each month.

3.2.3 Keeping the cash register.

No assets are available in liquidity, everything is transferred to the bank account.

IV- RECOVERY

The 1st credit is fully reimbursed with interest. The 2nd and 3rd credits are in the process of being reimbursed, at the date of the audit, all reimbursements have been made normally, there has been no delay. The amounts received in reimbursement of the credits are paid into the bank account.

V- THE CHECKS CARRIED OUT

5.1- Verification of loan books and forms

Out of a total of ninety-two (92) notebooks made out to members, fifty-three (53) do not have a photo, ie more than half of the beneficiary members. This fact can lead to the risk of false beneficiaries. Likewise, not all notebooks are numbered in order of registration (risk of duplication). In addition, there is no entry of the credit amount in the book, only the reimbursement is included. The loan forms are fully completed and signed by the programme managers, the beneficiary and the witnesses, but without an identity photo.

5.2. Verification of refunds

All repayments are entered in the booklets in two copies, one of which is with the beneficiary of the credit. These reimbursements are also entered in the management file in Excel kept by Mr. DZAGLI. We observed that all the beneficiaries repay their loans well and without delay, but in the book there was no separation between the first loan reimbursed and the second being reimbursed.

5.3 Verification of expenditure

The expenses incurred relate to the payment of programme managers and the expenses necessary for the proper functioning of the programme.

5.3.1 Expenses on transfer funds HR&S-ACTION10

Of the funds transferred by HR&S / ACTION 10, apart from appropriations, two hundred and thirty-three thousand four hundred and thirty-five (233,435) francs were used directly to cover expenses including:
– Repair of the motorcycle of AHIAKONOU Yawo ………………. 150,000 F
– New phone at Yawo ……………………………………… 49.500 F
– Making a notebook for members ……………………………… 25,000 F
– Other expenses …………………………………………………… 8,935 F

Supporting documents for these expenses exist but are poorly classified.

5.3.2 Expenditure on interest received on credits.

On the credit of the 1st group, 182,400 F of interest is obtained. To this was added the collection costs 93,600 F or a total of 276,000 F. These funds were used as follows:

N°	Désignation	Montant mensuel	Mois	MONTANT PAYE
1	Salaire de AHIAKONOU Yawo	35 000	6	210 000
2	Frais de communication de deux assistantes de Yawo	5 000	6	30 000
3	Frais de transfert du compte Agbélouvé à Lomé	6 000	6	36 000
	TOTAL			276 000

The verification of Yawo’s pay slips make 187,780 F instead of 210,000 F and those assisting Yawo, namely Mesdames AHIAWONOU Adjo and KOGLO Filomène make 27,000 F instead of 30,000 F. There is therefore no compliance with the expenses actually performed. The transfer fees are withdrawals from the account, so no receipt; it’s correct. It should be noted that the interest that will be received on the 2nd and 3rd credits will be used to pay the programme manager Mr. AHIAKONOU Yawo.

VI- OBSERVATIONS

• The year-end report produced by the programme managers does not take into account the amounts of credits granted to the 2nd and 3rd groups
• Regarding the management of credits, apart from the 10% regulatory, those in charge of the A3 programme have instituted collection costs of 130F for the 1st group and 115F for the 2nd and 3rd group per week and per beneficiary, which in reality increases the cost of credit, which penalizes the beneficiaries.
• The supporting documents for expenses are messy.
• Women’s complaints: They want the new loan after the actual repayment of their loans to last only one to two weeks in order to preserve their activities. They ask for an increase in the credit ceiling limited to 70,000 F to 100,000 F minimum.
• Many alumni who had worked with SEVIE want to join the programme. The financial envelope for programme A3 should therefore be increased.
• The report published by the persons in charge of the A3 programme is in English whereas we are in a French-speaking country this can be assimilated to an obstacle to our mission.

VII- RECOMMENDATIONS

In view of all of the above, the mission makes the following recommendations:

7.1. IN RESPECT OF CREDIT MANAGEMENT

– Paste a photo on the membership cards to be able to identify all the beneficiaries by name
– Enter credit repayments separately by page or by sheet for more readability in order to make repayment checks easier.

7.2 IN RESPECT OF FINANCIAL AND ACCOUNTING MANAGEMENT

– Consider opening an account in the name of the programme at AGBELOUVE in order to avoid transfer fees of 6,000 F per month.
– Systematically record the various operations and classify the accounting documents by type of operations carried out.
– Have Mr. AHIAKONOU Yawo sign the pay slips in time and the communication costs to his assistants.
– Prepare a monthly statement allowing regular monitoring of credits and payments on the account;
– Simply abandon the collection costs imposed.
– That the coach-accountant also play the role of internal controller.

7.3 – IN RESPECT OF THE ADMINISTRATIVE ORGANIZATION

– Now present reports in French before any transcription.
– The annual report must take into account all credit transactions for the year.
– Develop a small manual of administrative and financial procedures

7.4 – OTHER RECOMMENDATIONS

– Add additional funds to deal with the files of new applicants awaiting credit.

CONCLUSION

The mission went smoothly and without any obstacles. Overall, the verifications proved that the documents presented conform to reality and the management is acceptable, but only the annual report presented did not take into account the figures for the appropriations of the 2nd and 3rd group. We hope that the recommended recommendations will be taken into account for an optimal improvement of the management of the A3 program.

Done in Lomé, February 18, 2021

Alexis AKOTCHAYE
Auditor

Project update 2020

During 2020, 117 women and 2 men were enrolled in our programme supporting business owners. They are today operating their own business in a more sustainable way and are better equipped to support their families with school and health-care fees. Our local support team is in weekly contact with the loan-takers to help them address challenges, understand their needs and ambitions and empower their businesses. During 2021 will we scale up the loan to those who will benefit as well as support new business managers. 38 women have applied to become part of the programme and now the next step for Action10 is to raise funds and support the growing and new entrepreneurs.

FINANCIAL PROPOSAL FOR 2021

By Dr Milohum Mikesokpo DZAGLI, (Assoc. Prof.)
President, Leaders & Development (L&D)

From the annual report and the auditor report, we would like to define the following plan for this year 2021. As results from some recommendations, M. AHIAKPONOU Yawo and I suggest this budget for the year 2021. The first group ended on 18th march, 2021 and the last group will end one month later, so it will be good to set the next stage. For this, M. AHIAKPONOU Yawo made a survey on the expectation of women concerned by the programme. From this, 38 women set their applications to be involved in the programme and all the last promotion participants requested of an upgrading of their capital if the occasion will permit. The increasing of the old capital ranges from 10,000.00 to 20,000.00 FCFA each. With this idea, loans will range from 40,000.00 FCFA (60 euros) to 70,000.00 FCFA (105 euros) each for 24 weeks from 1st may to 31st October 2021 (almost 6 months).

The capital balance at the end of the passed stage is 3,521,615.00 FCFA (5,369.00 euros). The total capital to be invested for the programme A3 on the field to the 128 future loan takers is 6,260,000.00 FCFA (9,544.00 euros). The amount to be requested from ACTION10 equals to 3,558,260.00 FCFA (5,425.00 euros) comprised of the capital needed to add of 2,738,385.00 FCFA (4,175.00 euros),
the coaches’ emulations for 2021 of 787,080.00FCFA (1,200.00 euros) and the bank transfer fees from ACTION10 to the account of the Rise Center Togo of about 32,795.00 FCFA (50 euros). If this is achieved, no collection fees will be requested from the target people. The 10 % will be sufficient to cover the management of the programme such as:
M. AHIAKPONOU Yawo: 75,000.00 x 6 = 450,000. 00; Mme DALOR Yawa: 7,500.00 x 6 = 45,000.00; Mme DJENE Kossiwa: 7,500.00 x 6 = 45,000.00; Money Transfer & communication = 86,000.00, Total = 620,000.00.

Rise Center Togo – bank account BANK NAME: BANQUE ATLANTIQUE TOGO ACCOUNT HOLDER: AKOTCHAYE ET DZAGLI IBAN: TG53 TG13 8010 0404 1471 6000 0347FINANCIAL PROPOSAL FOR 2021

TOTAL 3620000 6260000ITEMS FCFA EUROS
RECAP
I. INITIAL CAPITAL 3,620,000.00 5,519.00
II. DEPENSES (AUDITOR) 98,385.00 150.00
III. BALANCE 3,521,615.00 5,369.00
1. FINAL CAPITAL 3,521,615.00 5,369.00
2. NEW CAPITAL EXPECTED 6,260,000.00 9,544.00
3. CAPITAL NEEDED 2,738,385.00 4,175.00
CAPITAL FOR NEW LOANERS 1,560,000.00 2,378.00
4. AMOUNT OF UPGRADING 1,080,000.00 1,647.00
5. COMPLEMENT 98,385.00 150.00
6. BANK TRANSFER FEE ± 32,795.00 ± 50.00
7. COACHES (2021) 787,080.00 1,200.00 AUDIT 300.00 COACHES (225*4) 900.00
TOTAL 3,558,260.00 5,425.0

Ordre Identity Villages Start Date Date of end Initial Investissement New Investissement – upgrading
1. AGBEVE Yawavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
2. AMOUSSOUVI Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
3. KLUKPOE Akouavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
4. WOGBAGAN Kafui KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
5. AWANGAN Amavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
6. KOTA Sousane KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
7. TSOMADJO Abra KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
8. KPATA Morotowa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
9. AGBELENKO Adjovi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
10. DUNKU Dovi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
11. KPANKPANDEMA Meza KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
12. EDOH Ablavi AGBELOUVE 03/10/2020 18/03/2021 40000 50000
13. NAPO Akossiwa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
14. ATANDEMA Akuyo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
15. TIKINTO Essi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
16. AKPAMOGBO Akou KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
17. SEGBE Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
18. SIKA Abravi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
19. KLOUTSE Akossiavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
20. EDJA Sena AGBODJEKPOE 03/10/2020 18/03/2021 40000 50000
21. KOTSO Woevi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
22. TEVI Massa AGBODJEKPOE 03/10/2020 18/03/2021 40000 50000
23. DAYILOR Yawa AGBODJEKPOE 03/10/2020 18/03/2021 40000 50000
24. TOUN Akossiwavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
25. NYADEDJO Adjo FOULANIKONDJI 03/10/2020 18/03/2021 40000 50000
26. AMOUZOU Delali KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
27. SETOWOU Ami KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
28. AKAI Amavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
29. AGBESSIME Adjowa AGBELOUVE 03/10/2020 18/03/2021 40000 50000
30. AYITE Della KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
31. AGBOZOADZEGAN Afiyo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
32. DOTSE Abravi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
33. KODEGUI Mangui AGBELOUVE 03/10/2020 18/03/2021 40000 50000
34. KODEGUI Ami AGBELOUVE 03/10/2020 18/03/2021 40000 50000
35. SOWUBO
Honorine KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
36. KODZO Kuya KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
37. WOGBAGAN Messavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
38. ALIMO Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
39. MBOM Marthe KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
40. FANWOU Julienne KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
41. DEGBEVI Yawo Akofa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
42. GOSSOU Ablavi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
43. DOUNOUGLO Yawa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
44. DUNKU Massadje KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
45. SAVI Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
46. GBOUDOU Akossiwa KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
47. NAGBADJA Boumpoua KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
48. ATTITSO Dovi KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
49. KLAKEVI Odette KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
50. KAZARO Adjo KOTSOKOPE 03/10/2020 18/03/2021 40000 50000
51. KODEGUI Akouavi
Christine AGBELOUVE 03/10/2020 18/03/2021 60000 70000
52. KODEGUI AGBO Amavi AGBELOUVE 03/10/2020 18/03/2021 60000 70000
53. DZENE Akossiwa AGBELOUVE 03/10/2020 18/03/2021 60000 70000
54. KOGLO Filomene FOULANIKONDJI 03/10/2020 18/03/2021 60000 70000
55. AHIAWONOU Adjo
Martine FOULANIKONDJI 03/10/2020 18/03/2021 60000 70000
56. FETSE AfI KOTSOKOPE 03/10/2020 18/03/2021 60000 70000
57. AHIAKONOU Yawo AGBODJEKPOE 03/10/2020 18/03/2021 50000 70000
58. KLOUKPOE Mole KOTSOKOPE 03/10/2020 18/03/2021 50000 70000
59. ABALO Abra KOTSOKOPE 03/10/2020 18/03/2021 50000 70000
60. ADJALAM Yawa KOTSOKOPE 03/10/2020 18/03/2021 50000 70000
61. ADZOTSA Afia KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
62. KETEMEPI Akouvi AGBELOUVE 03/11/2020 18/04/2021 30000 50000
63. ABALO Akossiwa KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
64. ABALO Afi AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
65. SAVI Abouya KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
66. DJIDJONOU Ama KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
67. DUNKOU Essi KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
68. FIOEGBE Adjovi AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
69. AWOUKOU
Akossiwa AGBELOUVE 03/11/2020 18/04/2021 30000 50000
70. KPATEKA Amavi KOTSOKOPE 03/11/2020 18/04/2021 30000 50000
71. FETSE Yawo AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
72. FOFOE Akouvi AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
73. KEKESSI Akou AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
74. AMEKO Ami AKAKOTSOKOPE 03/11/2020 18/04/2021 30000 50000
75. AWUNU Essi AKAKOTSOKOPE 03/11/2020 18/04/2021 40000 50000
76. ABALO Abrayo AKAKOTSOKOPE 03/11/2020 18/04/2021 40000 50000
77. ABALO Akouavi KOTSOKOPE 03/11/2020 18/04/2021 40000 50000
78. ATIGNO Bebe BATOUME 03/11/2020 18/04/2021 40000 50000
79. DOAMEKPOAbra AGBODJEKPOE 03/11/2020 18/04/2021 40000 50000
80. AZIANOU Yawa KPEI 03/11/2020 18/04/2021 40000 50000
81. KOUWONOU Ami TREKPEDJI 03/11/2020 18/04/2021 40000 50000
82. KAZARO Meliwata AKAKOTSOKOPE 03/11/2020 18/04/2021 40000 50000
83. AZIANYO Essi AGBELOUVE 03/11/2020 18/04/2021 40000 50000
84. SAPE Adjo AGBELOUVE 03/11/2020 18/04/202
1 40000 50000
85. ABALO Katherine KPEI 03/11/2020 18/04/2021 40000 50000
86. AYIBOKOU AMI AGBELOUVE 03/11/2020 18/04/2021 40000 50000
87. DAYO Afi Woetcha AGBELOUVE 03/11/2020 18/04/2021 40000 50000
88. ZIGAH Akoua TOKPO 03/11/2020 18/04/2021 40000 50000
89. AGBOMADJI Ami AGBELOUVE 03/11/2020 18/04/2021 40000 50000
90. SODOGA Kossiwa AGBELOUVE 03/11/2020 18/04/2021 40000 50000
91. New loaner 40000
92. New loaner40000
93. New loaner40000
94. New loaner 40000
95. New loaner 40000
96. New loaner 40000
97. New loaner 40000
98. New loaner 40000
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100. New loaner 40000
101. New loaner40000
102. New loaner 40000
103. New loaner 40000
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105. New loaner40000
106. New loaner40000
107. New loaner 40000
108. New loaner40000
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110. New loaner 40000
111. New loaner40000
112. New loaner40000
113. New loaner 40000
114. New loaner40000
115. New loaner40000
116. New loaner 40000
117. New loaner 40000
118. New loaner40000
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120. New loaner 40000
121. New loaner 40000
122. New loaner 40000
123. New loaner 40000
124. New loaner 40000
125. New loaner 40000
126. New loaner 40000
127. New loaner40000
128. New loaner40000

COACHING REPORT, Oct 2021

SMALL-SCALE BUSINESS PROGRAMME IN VILLAGES – AGBELOUWE & RESORTS

By Dr Milohum Mikesokpo DZAGLI, (Assoc. Prof.)
President, Leaders & Development (L&D)

Background

HR&S Action10’s Programme N^oA3 was activated from march 2020, with the coaching support of Leaders & development (L&D) President Mr Milohum Mikesokpo DZAGLI. Rounds of 6 months were set for each step of the programme under the management of Mr AHIAKONOU Yawo, the man of the field. This report concerned the round started from 06/05/2021 to 14/10/2021. Follow-up communication and coaching visit were involved in the implementation and the success of this programme at Agbelouve, situated at about 50 km from Lomé and its neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, Batoumé. The programme on the field comprises of peoples with small business such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks and bars, tailoring and hair dressing, etc.

Leaders and Development (L&D) worked with Mr AHIAKONOU Yawo to establish TRUST and RESPONSIBILITY for this programme before the support of RISE Centre Togo. To help Mr Yawo, two women were associated to him to collect the money and advice people.

Activities are including:

Bookkeeping, Contract sheet, Recruitment and Workshops, Management of ActionInvest funds
In general:
- Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with Mr AHIAKONOU Yawo.
- A contract of six months was signed in double by every loan taker.

For this, contracts were signed under the RISE Centre Togo with a group of sixty (119) people (117 women and 2 men). The RISE Centre Togo has a general excel sheet for all the loan takers that contains all transactions.

We thank God, that all the people being involved in this programme in these villages appreciated the support. At the 14^th of October 2021, all the target partners (TP) payed back their loan and interest.

Outcome challenges & Activities

The limit of the amount of the loans is 60000F CFA (90 euros) but some activities need more funds to reach sustainability such as sale of maize, restaurants, etc.
- Proposed solution: Increased of the capital and put the loan to 100000 (152 euros) for the women that need upgrading.
New candidates are expecting being integrated in the programme
- Proposed solution: More fund needed to come up of the demand. Thanks to ACTION10, we expect other new capital (2000 euros or more) for the next round.
Comment by Cecilia: If the RISE Togo team can become active on social media and support the ActionInvest fundraising campaigns we can increase the capital faster. RISE Centre Operations Team and RISE members to be actively involved with ActionInvest fundraising campaigns through crowdfunding platforms and social media.

Remarks

The business plan set the sustainability of the programme after two (2) years where the women would run their activities by their own capital, building on the ActionInvest loan. So more rounds of the programme would help them to fulfill this objective if the support is continued. Men asked to be involved in the group and we are looking for how to handle this if some women withdrew from the programme. So if all go well a next tour will be in November 2021. For the perspective, 119 or more people will be involved in the programme with the actual capital on the bank account.

Mourning: One of the women passed on at the end of the programme after a sickness. May her soul rest in peace.

Finances

Situation on 1^st May 2021
Actual Bank statement (19/04/2021)			4846812
Payment of auditor (AKOTCHAYE)( 23/04/2021)			196 800
Transport (Agbelouve, Kpotsokope, Agbodzekpo and Foulani kope -Lomé, in and out) on 1^st may 2021			20000
Invested on the field			4630000
Expected Interest	10%		463000
Number of participants	119
Situation on 30^th October 2021
Reimbursement collected on the field 14^th October 2021 (A)			5277480
Collection fees (B)			171360
Amount collected (A-B)			5106120
Interest collected			476120
Items	Expenses at the end
	L&D	Programme
Travel fees & salary of M Yao (6 months)		480000
Women associated to M Yao (Perdiems) (6 months)		90000
Money transfer Fees (24 weeks)		36000
Admin & Communication (6 months)		30000
Transport of visiting L&D on (Agbelouve, Kpotsokope, Agbodzekpo and Foulani kope -Lomé, in and out) (27^th August 2021)	20000
TOTAL final	20000	636000
Balance Capital on the account			4641480

AKNOWLEDGEMENTS

We would like to acknowledge all our partners for their support to the people in the villages and in Togo especially Mrs Cecilia ÖMAN, all the group of Action10 and HR&S.

Annual Report 2021
HR&S Branch Togo

SMALL-SCALE BUSINESS PROGRAMME IN VILLAGES – AGBELOUWE & NEIGHBOURING VILLAGES

By Dr Milohum Mikesokpo DZAGLI, (Assoc. Prof.)
President, Leaders & Development (L&D)
Team-leader HR&S Branch Togo.

Background

HR&S Action10’s Programme N^oA3 has been coordinated by L&D since March 2020, continued in 2021 with the coaching support of Leaders & development (L&D) and its President Mr Milohum Mikesokpo DZAGLI. Each step of the programme was set for six (6) months and the Programme manager was Mr AHIAKONOU Yawo, the man of the field. In 2021, the round from 03/10/2020 ended at 15/04/2021, another round started from 06/05/2021 to 14/10/2021 and the ongoing round started from 28/11/2021 and will end at 12/05/ 2022.

This report stats all the activities in 2021. These activities were constituted with follow-up communication and coaching visit during the term. The necessary that is useful to be involved in the implementation and the success of this programme at Agbelouve and neighbouring villages located about 50 km from Lomé. The neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, Batoumé were at 30 km from Agbelouve. The programme on the field took into account about 117 women and 2 men who strive in small businesses such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks and bars, tailoring and hair dressing, etc.

Leaders and Development (L&D) worked with Mr AHIAKONOU Yawo to establish TRUST and RESPONSIBILITY for this programme before the support of Rise Centre Togo. Activities are including:

Bookkeeping, Contract sheet, Recruitment and Workshops, Management of ActionInvest funds.
In general:
- Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with Mr AHIAKONOU Yawo.
- A contract of six months was signed in double by every loan taker.

For this, contracts were signed under the Rise Centre Togo with a group of one hundred and nineteen (119) people (117 women and 2 men). The Rise Centre Togo has a general excel sheet for all the loan takers that contains all transactions. We thank God, that all the people being involved in this programme in these villages appreciated the support. At the 31^th of december 2021, all the target partners (TP) payed back their loan and interest. One woman was replaced by another at the 23^nd December 2021 due to sickness. To help Mr Yawo, two women were associated to him to collect the money and advice people. Some women left the programme after a sickness or unfortunately in case of death (we had one case of death last year, may her soul rest in peace).

Challenges and proposed solutions

The limit of the amount of the loans is now 80000F CFA (120 euros) but some activities need more funds to reach sustainability such as sale of maize, Restaurants, etc.
- Proposed solution: Increased of the capital and put the loan to 100000-150000 (152-232 euros) for the women that need upgrading capital
New candidates are expecting being integrated in the programme
- Proposed solution: More fund needed to come up of the demand. Thanks to Action10 and its staff that strive for new capital for the ongoing round and for the next round.

Remarks

The sustainability of the A3 programme was set two (2) years where women would run their activities by their own capital through the interest they got from the support of Action10. So more rounds of the programme would help them to fulfill this objective if the support is continued. Men asked to be involved in the group and we are looking for how to handle this if some women withdrew from the programme. So if all go well, at next tour new candidate will be involved. For the perspective, 30 or more people will be involved in the programme for the next Action10 transfer.

Second programme

Concern the idea to extend this programme and if the supports from HR&S allow, a parallel programme will be set at Aguduvu, a small village not far from Amoussoukopé, Commune Agou2, Prefecture of Agou (80km from Lomé). Thirty (30) people were involved already in a similar programme that take into account old women and gather later young women under the control of SOWALO Komi. Action10 support will increase the number of the participants and upgrade the capital for some women. The group name is MILAWOE (we can do it) under Leaders & Development (L&D).

AKNOWLEDGEMENTS

Many thanks to all our partners for their support to the people in the villages and in Togo especially Mrs Cecilia ÖMAN, all the group of Action10 and HR&S.

January, 30^th 2022

Social enterprises proposals

TAILORING AT AGBELOUVE.

Madame DZENE Akossiwa (the wife of M Yawo) took in charge part of the formation of the poor and orphan girls in the village and around to their certificate. She hopes to be involved in the tailoring project.

BERCEL’OR HAIR DRESSING HOUSE AT LOME

The manager, Mrs SOVON Akou Olivia

Tél. : (+228) 90 93 33 90 / 99 65 58 02

Email : Fernanda.sovon@gmail.com

COIFFEUSE- TRESSEUSE- ESTHETICIENNE

Business proposal to Rise Center Togo to reinforce her business capacity to set a hair dressing room in Lomé and to work to pay back. (Amount requested 1264000F around 2000 euros)

January, 30^th 2022

Replies to questions by Action10 in Feb 2022

Action10 is preparing a new campaign on our social media for International women´s day. We would like to write about women involved in our programmes. Since you know very well women in our Togo programme, and about their living situations, would you be willing to help us and our followers understand them better? Here are some questions:

What do women in our Togo programme produce, or sell?
- Sale of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, local drinks
- Set of bars, tailoring and hair dressing
Do they work alone, or have help from other family members?
- Some activities are carried alone and some of them employed other people such as bars, tailoring and hair dressing that using young girls and orphans.
What motivated them to start their business, and what motivates them to continue doing it?
- Climate change leads to lack of rain that affect farm works
- Poverty
- Earn money to take care of the family
Do they have support from their families and community in running their businesses?
- No support,
- Some women got loan in some back system, but the interest is high.
Did their status in the community change thanks to starting a business?
- Yes of course
- They are taking in charge the school fees of their children with their interest
- Participate to well beings of their family in food and clothes
Are they more appreciated?
- The women involved in the programme were now more and well appreciated and a joy joined their family.

Audit Report 2021

SMALL-SCALE BUSINESS PROGRAMME IN VILLAGES – AGBELOUWE & NEIGHBOURING VILLAGES

2021 AUDIT MISSION REPORT PROGRAM A.3 / Small-scale business
By Alexis AKOTHCAYE

INTRODUCTION

In execution of the audit mission contract signed on November 18, 2020 with ACTION10 / HR&S, we present to you our audit report carried out on December 6, 2023 relating to the credit activities of the A3 program called SMALL-SCALE BUSINESS in Agbélouvé and villages surrounding areas sponsored by the Leaders & Development (LD) association for the year 2021. This report concerns the examination of the 2021 annual report presented by the Chairman of the Board of Directors of L&D; effective control of the accounts and the various operations carried out during the said period.

I – PRESENTATION OF THE LEADERS AND DEVELOPMENT (L&D) ASSOCIATION

Leaders & Développement is an association working in education, health, agriculture and income-generating activities and is headquartered in Lomé. This association has agreed to sponsor the program called SMALL SCALE BUSINESS. The main activity of this programme consists of financially supporting women’s income-generating activities through microcredits. It is located in Agbélouvé located 50 km from Lomé and in its surrounding villages which are: Foulani Kondji; Kotsokopé and Agbodzékpo then Batoumé. .

II- ADMINISTRATIVE ORGANIZATION OF THE A3 PROGRAM

The A3 program is administered by two main members, namely:
– Dr Milohum Mikesokpo DZAGLI, Chairman of the Board of Directors (PCA) of L&D 2021 AUDIT MISSION REPORT PROGRAM A.3 / Small-scale business
– Mr. AHIAKONOU Yawo, his local assistant, responsible for ensuring the smooth running of all operations in the field.
Given the difficulties of the terrain, Mr. AHIAKONOU Yawo was assisted by two women. These are Ms. DALOR Yawa and Ms. DJENE Kossiwa. They constitute Mr. Yawo’s relays on the ground, responsible for mobilizing with a view to repaying loans within the allotted time.

III- FINANCIAL MANAGEMENT

3.1 Management of fund transfers received from ACTION 10 and HRS during the year

To support the women of AGBELOUVE and its surrounding areas, ACTION10 and HR&S have made available to L&D and the A3 Program during the year 2021, apart from previous payments, a net amount of nine hundred and eighty-three thousand and eight one hundred and fifty (983,850) CFA francs according to the 2021 annual report. While on the bank statement it is 1,293,547 FCFA which was transferred (see Bank account statement on 04/19/2021). These funds are intended to support program activities. The usage is as follows:

TRANSFERT	MONTANT en Euros		MONTANT EN FRANC CFA
Transfer via Program account	1.500		983 850
UTILISATION
Transfer fees taken from the account		28 206
Amount allocated to credits on 11/28/2021		955 644
Total		983 860
SOLDE		0

Note that the balance in the bank account on 03/31/2021 before receipt of the fund transfer on 04/12/2021 is two million eight hundred seven thousand two hundred sixty-five (2,807,265) CFA francs confers Bankaccount statement on 04/19/2021 in annex to L&D’s 2021 activity report.

3.2 MANAGEMENT OF CREDIT ACTIVITIES

Several successive waves of six (06) month credit were granted during the period.

3.2.1: 1st Wave of credit

From October 3, 2020 to April 15 and 18, 2021. (Granted at the end of 2020 over 6 months including 3 months in 2020 and 3 months in 2021)

GROUPE N°01	MONTANT OCTROYE		NOMBRE DE BENEFICIAIRES		PERIODE CONCERNEE		INTERETS ATTENDUS
Agbélouvé, Kotsokopé, Agbodjékpo, Foulani Kondji	1 200 000		30 Femmes		03-11-2020 au 18-04-2020		120 000
GROUPE N°02 ET GROUPE N°03
Agbélouvé, Kotsokopé, Agbodjékpo, Foulani Kondji	3 620 000		90 Personnes (88 Femmes et 02 Hommes)		03-10-2020 au 15-04-2021		362 000
TOTAL		4 820 000		120		482 000

SUMMARY

Capital investi sur le terrain	4 820 000
Intérêts attendus	482 000
MONTANT TOTAL ATTENDU	5 302 000

The day after the closing of credit repayments on 04/19/2021, in the program’s bank account, there was an amount of four million eight hundred and forty-six thousand eight hundred and twelve (4,846,812) CFA francs. The report did not mention the amount of expenditure made until the funds invested were recovered.n However, he mentioned the audit fees paid (196,800 F) and the travel expenses of those responsible for the program of 20,000 F, making a total of 216,800 F.

Montant collecté	4 846 812
Paiement de l’auditeur	196 800
Transport aux villages	20 000
MONTANT RESTANT	4 630 012

This remaining amount was used to provide the 2nd Wave credits.

3.2.2. 2nd Wave of credit:

From May 6, 2021 to October 14, 2021 (Period of 6 months).

GROUPES: N°01, N°02 et N°03	MONTANT OCTROYE		NOMBRE DE BENEFICIAIRES		PERIODE CONCERNEE	INTERETS ATTENDUS
Agbélouvé, Kotsokopé, Agbodjékpo, Foulani, Kondji, Batoumé	4 630 000		117 Femmes et 02 Hommes		06-05-2021 au 14-10-2021	463 000
TOTAL		4 630 000		119

Summary	MONTANT
Capital investi sur le terrain	4 630 000
Intérêts attendus	463 000
MONTANT TOTAL ATTENDU	5 093 000

REFUND

At the end of the credit operations, a total sum of Five million two hundred and seventy-seven thousand four hundred and eighty (5,277,480) CFA francs was reimbursed, including collection fees established by those responsible for the program for support credit collectors. The distribution of funds collected is as follows:

Capital investi	4 630 000
Intérêts payés	476 120 ?
Frais de collecte payés	171 360
MONTANT TOTAL REMBOURSE	5 277 480

Désignation	Nombre de mois	Coût mensuel	MONTANT
Salaire de Yawo et frais de collecte	6	80 000	480 000
Femmes assistantes de Yawo	6	15 000	90 000
Frais de communication et administration	6	5 000	30 000
Frais de transfert de fonds collectés	6	6 000	36 000
TOTAL DEPENSES		636 000

3.2.3 3rd Wave of credit

From NOVEMBER 28, 2021 to MAY 12, 2022 (Period of 6 months including 1 month in 2021 and 5 months in 2022). It should be noted that according to the annual report, a transfer of funds from ACTION 10 & HRS of 1,500 euros is a net amount of Nine hundred and fifty-five thousand six hundred and forty-four (955,644) which was added to a sum of four million six hundred and sixty-three thousand five hundred and forty-two (4,663,542) francs available on the bank account, thus giving a total amount of Five million six hundred and nineteen thousand one hundred and eighty-six (5,619,186) francs to serve the last wave of credit for the year 2021.

GROUPES: N°01; N°02 et N°03	MONTANT OCTROYE		NOMBRE DE BENEFICIAIRES		PERIODE CONCERNEE	INTERETS ATTENDUS
Agbélouvé, Kotsokopé, Agbodjékpo, Foulani Kondji Batoumé	5 540 000		117 Femmes et 02 Hommes		28-11-2021 au 12-05-2022	554 000
TOTAL		5 540 000		119			554 000

RECAPITULATIF 3è Crédit	MONTANT
Capital investi sur le terrain	5 540 000
Intérêts attendus	554 000
MONTANT TOTAL ATTENDU	6 094 000

These credits were in the process of being repaid before entering the year 2022.

Expenditure over the period from 11/28/2021 to 12/31/2021

EXPENDITURES BEFORE GRANTING CREDIT

Désignation

MONTANT

Déplacement de l’équipe L&D sur le terrain 20 000
Collation 35 700
Achat enveloppes, copie des contrats 35 500
Vente de carnets (Sale of Books) 35 700 (une recette en principe)
Achat de détecteur de faux billet 6 000
Déplacement urbain et secrétariat 17 500
TOTAL DEPENSES 1 150 400

EXPENSES AFTER THE GRANT OF CREDIT

Désignation	Nombre de mois	Coût mensuel	MONTANT
Salaire de Yawo et frais de collecte	1	85 950	85 950
Femmes assistantes de Yawo	1	10 000	10 000
Frais de communication et administration	1	5 000	5 000
Frais de transfert de fonds collectés	1	7 500	7 500
Beau-père de Yawo	1	20 000	20 000
TOTAL DEPENSES 2		128 450
DEPENSES TOTAL (1 & 2)		278 850

REIMBURSEMENT AS OF 12/31/2021

Montant du Capital récupéré	1 152 590
Intérêts payés	116 575
Frais de collecte payés	29 750
MONTANT TOTAL REMBOURSE	1 298 915

3.3 CASH MANAGEMENT

3.3.1.The Rise Togo bank account.

As of December 31, 2021, the A3 program should have in Rise Togo’s account the sum of one million one hundred and seventy thousand four hundred and sixty-five (1,170,465) CFA francs. Remember that the disbursement into the account is made under the signature of 2 people: Dr Milohum Mikesokpo DZAGLI, the 1st Manager of Rise Togo and Mr. Alexis AKOTCHAYE.

3.3.2 Procedure for collecting and depositing funds into the bank account.

Mr. AHIAKONOU Yawo receives the various reimbursements made on members’ credits. These collected funds are then paid into the FUSEC account, a microfinance institution on site in Agbélouvé. This account is opened in the name of Mr. DJAGLI. These funds are then withdrawn and transferred to the L&D account opened at Banque Atlantique; which incurs certain costs each month.

3.3.3 Cash management.

No assets are available in cash, everything is transferred to the bank account.

IV- RECOVERY

The 1st wave of credit given at the end of 2020 was fully repaid in 2021 with interest and collection costs.

The 2nd wave of credit for 2021 was also repaid

The 3rd wave of credits granted at the end of November 2021 is being reimbursed, all reimbursements are being made normally, there have been no delays.

V- VERIFICATIONS CARRIED OUT

5.1- Verification of booklets and loan forms

Two hundred and thirty-eight notebooks made for the 119 members. The books are double for the members because the member benefiting from the credit keeps a book and the credit manager also keeps a book. The filling of the notebooks is done twice.

The remark made at this level is that there are no photos pasted on the notebooks.

This fact can lead to confusion in filling; the risk of making mistakes is high.

Likewise, not all notebooks are numbered in order of registration (risk of duplication).
In addition, there is no entry of the credit amount in the book, only the weekly repayment appears there.

The loan forms are well filled out and signed by the beneficiaries and the program manager, however, no place has been provided on the form to paste an identity photo.

There is a risk of being mistaken about a person if they have the same surname.8

5.2. Verification of reimbursements

All repayments are recorded in the notebooks in two copies, one of which is with the beneficiary of the credit. These reimbursements are also recorded in the Excel management file kept by Mr. DZAGLI.

We observed that all beneficiaries repay their loans well and without delay.

5.3 Verification of expenses.

The expenses incurred concern the payment of program managers and the expenses necessary for the proper functioning of program activities. According to the vision of the project initiator, the interest generated should cover the expenses relating to the operating costs of the program.

5.3.1 Expenditure of interest received on credits.

On the 1st wave of credit given in October 2020 and which ended on April 15, 2021, the 2021 report did not report the expenses incurred for the recovery of credits.

However, the amount of interest expected was 482,000 F.

On the 2nd wave of credit granted from 06/05/2021 to 10/14/2021, we have:

INTERETS
Désignation	MONTANT
Intérêts collectés	476120
Frais de collecte payés	171360
TOTAL Collecté (1)	647480

DEPENSES
Désignation	Nombre de mois	Coût mensuel	MONTANT
Salaire de Yawo et frais de collecte	6	80 000	480 000
Femmes assistantes de Yawo	6	15 000	90 000
Frais de communication et administration	6	5 000	30 000
Frais de transfert de fonds collectés	6	6 000	36 000
TOTAL DEPENSES (2)		636 000
DIFFERENCE (1 & 2)		11 480

Interest and collection costs fully covered expenses, generating a profit margin of 11,480 F. On the 3rd wave of credit from 11/28/2021 to 05/12/2022, the recovery took place over just one (01) month (December 2021)

INTERETS
Désignation	MONTANT
Intérêts collectés	116575
Frais de collecte payés	29750
TOTAL Collecté (1)	146325

DEPENSES
Désignation	Nombre de mois	Coût mensuel	MONTANT
Salaire de Yawo et frais de collecte	1	85 950	85 950
Femmes assistantes de Yawo	1	10 000	10 000
Frais de communication et administration	1	5 000	5 000
Frais de transfert de fonds collectés	1	7 500	7 500
Assistance décès beau-père de Yawo	1	20 000	20 000
TOTAL DEPENSES (2)		128 450
DIFFERENCE (1 & 2)		17 875

Also at this level, the interest and collection costs for the month were used to cover the month’s expenses and to generate a surplus of 17,875 F. It should be noted that an expenditure in the amount of one hundred and fifty thousand four hundred (150,400) francs corresponding to essential outings before the granting of the credit on 11/28/2021. This amount was taken from transfer funds received in 2021. In view of all the above, we can conclude that the management is effective to the extent that the vision of the project initiator is achieved with each wave of credit given. Checking the expense sheets revealed that certain expenses are without supporting documents, such as assistance from Yawo’s father-in-law and communication and administration costs. The supporting documents submitted are mixed and not classified.

VI- OBSERVATIONS

The supporting documents for expenses are disordered.

Certain documents must be provided to justify they exits

The amount of the transfer received recorded in the report does not conform to the amount appearing on the bank statement as of 04/19/2021.

VII- RECOMMENDATIONS

In view of all of the above, the auditor makes the following recommendations:

7.1. FOR CREDIT MANAGEMENT

– Paste a photo on the members’ books and on the loan forms to be able to identify all the beneficiaries by name

– Enter the amount of the credit in the notebook before entering the corresponding reimbursements.

7.2 FOR FINANCIAL AND ACCOUNTING MANAGEMENT

– Set up proper accounting;

– Consider opening an account in the name of the program at AGBELOUVE in order to avoid constantly increasing transfer fees.

– Systematically record the various operations and classify the accounting documents by nature of the operations carried out because apart from the Excel file kept by Mr. DZAGLI, there is no journal where the operations are recorded on a day-to-day basis.

– Develop a monthly report allowing regular monitoring of credits and payments into the account

7.3 – UNDER THE ADMINISTRATIVE ORGANIZATION

– Develop a short manual of administrative and financial procedures for the program.

7.4 – OTHER RECOMMENDATIONS

– Increase the financial envelope in order to be able to increase the amount of credits as desired by the beneficiaries.

Status Report – May 2022

Introduction

The programme N^oA3 of HR&S and Action10 consisted of small businesses with women in villages in Togo, with the coaching support of Leaders & development (L&D) and its President Mr Milohum Mikesokpo DZAGLI.

Operations

This round of the programme was set for six (6) months and the two managers were Mr AHIAKONOU Yawo, the man of the field at Agbelouwe and Mr. SOWALO Komi the man of the field at Aguduvu.

In the annual report of the year 2021, it was reported that in 2021, two full rounds were implemented at Agbelouwe; one from 03/10/2020 to 15/04/2021 and one from 06/05/2021 to 14/10/2021. Another round was arranged 28/11/2021 to 12/05/ 2022. All these rounds concerned Group No 1.

This report covers the activities concerning the last round 28/11/2021 to 12/05/ 2022 for Group No 1, as ell as a first round of a Group No 2 at Agbelouwe (March – August 2022) and of Group No 3 at Aguduvu. These activities were constituted with follow-up communication and coaching visit during the round and all the necessaries that are useful to be involved in the implementation and the success of this programme at Agbelouve and neighbouring villages (situated at about 50 km from Lomé) and at Aguduvu (about 80 km from Lomé). The neighbouring small villages near Agbelouve involved Kpotsokope, Agbodzekpo, Foulani Kondji, Batoumé, and others.

Group No 1 involved 117 women and 2 men, and the Group No 2 involved 31 women. Group No 3 involved 13 women. The small businesses of the women are constituted of sale maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks and bars, tailoring and hair dressing, etc.

Leaders and Development (L&D) worked with Mr. AHIAKONOU Yawo and Mr. SOWALO Komi to establish TRUST and RESPONSIBILITY for this programme. Activities included:

Bookkeeping, Contract sheets, Recruitment and Workshops, Management of ActionInvest funds.
In general:
- Each loan taker had two duplicated books that contained every transaction, one with the loan taker and one with the field person.
- A contract of six months was signed in double by every loan taker.
The Branch Togo has a general excel sheet for all the loan takers that contains all transactions.

The programme is involving 163 active members.

We thank God, that all the people being involved in this programme in these villages appreciated the support. At the 12^th of May 2022, all the target partners (TP) paid back their loan and interest. One woman was replaced by another at the 23^nd December 2021 due to sickness. Another woman failed her payment but her husband rescued her and paid back.

To help Mr Yawo, two women were associated to him to collect the money and to advice people.

Challenges and proposed solutions

The limit of the amount of the loans is now 80000F CFA (120 euros) but some activities need more funds to reach sustainability such as sale of maize, restaurants, etc., and with the crisis items are very expensive.
- Proposed solution: Increased of the capital and put the loan to 100000-150000 (152-232 euros) for the women that need upgrading capital,
New candidates are expecting being integrated in the programme
- Proposed solution: More fund needed to come up of the demand. Thanks to Action10 and its staff that strives for new capital through fundraising.

Remarks

Men asked to be involved in the group and we are looking for how to handle this if some women withdrew from the programme. So if all goes well, at next tour new candidate will be involved and the next date for the new round for the Group 1 is set at 13^th of June 2022. For the perspective, some women could withdraw and new people will be involved in the programme.

The amount of the capital could be revised in high if new Action10 transfer could be appointed.

The world crisis raised price of goods so more fund is needed to handle the request of upgrading of the capital of the women and to help new members.

Test_E survey

Milohum October 2020:

During my next visit, I will insist on the sustainability aspect because it difficult in these villages.
Yawo is in favour of the programme and willing to work hard for it. Because it helps people to do something and get money for all the family.
Yawo informed about that a cooperative bank came to propose a loan to some people in the village, but the offer of A10, was the best.

Renaud June 2022
Mr. Yawo gave me a feedback. In his message, he instructs me to tell you that the children of all the beneficiaries have organized themselves into a delegation to come and tell him to thank you. They say that through your support, they manage to eat at least twice a day, through the small activities their mothers do, they manage to pay their school fees. In addition, the women themselves have submitted a complaint, that of offering them HR&S/Action10 t-shirts that they will often wear at each meeting. Personally, Mr. Yawo also thanks you for your support and says he is ready to work with you at any time and wherever the need arises. He sent me a photo of a woman he accompanied to buy thrift stores and resell.
Mr. Yawo has just given me a sign. He says that more than fifty new women have come to benefit from this financing. He asks me to send you this message while telling me that he would like that instead of giving 30,000 to women to start their activities, he would like it to be 40,000 given due to the high cost of the goods. Moreover, he let me know that Wednesdays, market day, are the only days suitable for meeting women and following up with them. He also mentioned the poor condition of his motorcycle which can no longer really ensure travel in these different villages, especially since the roads are impassable

Ambition & intrinsic motivation

Yawo is in favour of the programme and willing to work hard for it. Because it helps people to do something and get money for all the family.

Social good
direct impact

Products and services are provided to under-served communities.
- Products and services are: xxx
  - Number of customers for a each product and each service: xxx
Business owners generate profit.
- Number of business owners: xxx
- Size of profit: xxx

Social Good
Indirect Impact

Children well-being

Children of the women who manages HR&S small-scale businesses.

Number of meals per day increased.

From one to two or three.
- Number of children: xxx

Education

Tuition fee paid and school attendance made possible.

Women well-being

The status of the women in the families has improved as the contribute with income.

Institutional capacity

Communication & partnership

Frequent, positive, transparent and supportive communication between HQ, branch and local programme manager partner.
Active, creative and locally appreciated local programme manager partner.
Local programme manager partner appreciated by Branch and HQ.

Managing a capital

Is the capital big enough?
- June 2022 the answer is no.
  The PPM requests the size of the loan to increase. “He asks me to send you this message while telling me that he would like that instead of giving 30,000 to women to start their activities, he would like it to be 40,000 given due to the high cost of the goods.”

TP training coaching & team building

Training sessions: xxx
Coaching sessions: xxx
HR&S / Action10 T-shirts “women themselves have submitted a complaint, that of offering them HR&S/Action10 t-shirts that they will often wear at each meeting.”

Sustainable economy

Sustainable business mind-set

Milohum Oct 2022: During my next visit, I will insist on the sustainability aspect because it difficult in these villages.

Does the income exceed the expenses?

Renaud June 2022
No, lack of funds to cover the cost for PPM’s transportation with his motorbike.

Field-survey June 2022

By Renaud AZIABOR, June 29, 2022.

Reduce poverty by helping vulnerable groups to obtain sustainable, stable incomes and to save in order to be independent later; this is the objective pursued by HR&S/Action10 by granting microcredits to vulnerable populations, the majority of which are headed by women, so that they can find a place within their community.
As part of the achievement of these aforementioned objectives, a monitoring team from HR&S/Action10 proceeded this Wednesday, June 29, 2022 to a raid on the arenas of Agbélouvé and some of its surrounding villages in order to collect informations and get to grips with the realities on the field. What improvements on the social, economic level, child care, HR&S credits induce? Some answers in this article.
As usual, every Wednesday is market day in Agbélouvé. But this Wednesday was particular. After several km of road from Lomé, we arrive in Agbelouvé precisely at the market and we surprise about twenty women in a meeting community around the actions of HR&S/Action10.
This is the case every Wednesday, Mr. Yawo, focal point of HR&S/Action10, comes to educate the beneficiaries of HR&S credit on the strategies to adopt in order to quickly finish the payment. He also assists them in choosing the activities to undertake.
A few dozen meters from the place of community mobilization, we see a group of about ten women, who rediscover the heritage of their ancestors: the sale of Tchoukoutou (local drink made from sorghum) with great satisfaction.
At the age of forty, Madam Moulaba is struggling to put away her smile, visibly happy with her small business. She says: <<
The sale of Tchoukoutou is a profession that our grandparents passed on to us. And as you can imagine, I had trouble realizing myself because I was not in charge of my own business. When we learned of the start-up of the HR&S Fund, on several occasions, we received in our village, Mr. Yawo who comes to educate us on the background of HR&S. With my sisters in the village, we mobilized and followed all the stages of the process to finally obtain credit. I had a first installment of 30,000 F CFA, a second of 40,000 F CFA and this sum allowed me to do a lot of things because my children eat and go to school thanks to this fund. Thanks to this credit, we are able to supply ourselves with all kinds of basic necessities.>>

When we approach the question of reimboursements with this woman, it is also with great conviction that she replies: Very early on, I understood that the sustainability of our business lies in the proper repayment of loans. And on this, Mr. Yawo made us very aware. The proof is because we are up to date in all our reimbursements that we have been able to obtain the other credits without difficulty. Thanks to HR&S, we are financially independent but please you should increase our credits because things are expensive now on the market
Our interlocutor also proudly shares with us the improvement that credit has brought to her life. Thanks to the profits I generate from the sale of the drink, I manage to ensure the well-being of my family, including schooling, health care, as well as all other basic needs. The Credit has contributed in more ways than one to improving my living and working conditions. At Agbelouvé and its surrounding villages, there are countless HR&S strategies and plans for the development of women . HR&S/Action10 has managed to make impressive progress in gender equality. This is how many women beneficiaries of HR&S Credits manage to rise very high in entrepreneurship. Among them, SOTOWOU Ami the amazon of Foulanikondji. Let’s discover the story, the talent, the fights of this female figure who inspires.
Her fame speaks for herself. She is the prototype of the woman destined for certain success. From dawn to dusk, the brave lady invests body and soul in her general food sales activities. Determined and committed, she firmly believes in the future. The HR&S, which she crossed paths with, will be her greatest opportunity to develop and increase her many talents, qualities and skills.
Initially, we thought that the HR&S credit was a fun,” she admits. But time will do its work and change this illusion, as HR&S has transformed the lives of many women.
We must recognize that the HR&S credit has truly improved the conditions of women in our community on all fronts. It has made it possible to develop our capacities and to get us out of poverty confesses the one who is now a successful entrepreneur.

Village of Agbodjékpo, 27km from Agbélouvé, on the way to visit our interlocutor, one of the beneficiaries of HR&S credit, it is with joy that we notice the enthusiasm of some of the women in front of their displays of all kinds. What is most surprising and admirable is the fact that everyone wants to take charge of herself by carrying out a generative activity. It is lady AGBESSIME ADJOA who crystallizes our attention.
With my savings that I obtained with my small business, I managed to set up this little hut that you see. My astonishment was spectacular, and for good reason, the HR&S did not leave me on the road at the end of the cycle, it was precisely to allow me to be able to scale up the exercise of my income-generating activity. A fund that aims precisely to enable beneficiaries to gradually become independent. I then read the conditions for obtaining it and I complied with all the requirements. This is how I was then granted a loan. This sum allowed me to be able to buy cheap bags and ladies’ shoes as well as thrift stores that I display here for sale. And since then, I managed to satisfy the customers and my business is going pretty well. But please tell your superiors to increase our credits. I also grab this opportunity to address my heartfelt thanks to HR&S/Action10 for all they do. Your visit and especially your various questions about our difficulties that we are experiencing really give us the strength and the courage to move forward and give the best of ourselves so that this initiative goes forward. We ask you to always come for this follow-up
Testimonials like that of madam AGBESSIME are among those that we want to hear because they are among those that are stimulating and are school cases and allow many other people to be inspired by them. The courage and determination of our interlocutor ended up paying off. Today her business is flourishing and the income she generates allows her to meet loan repayments and take care of her needs as well as those of her family.

For a while I have felt more fulfilled because I manage to take charge of myself and contribute alongside my husband to taking care of the needs of our family. I have no difficulty with loan repayments. As I was already used to the refund, I manage to pay without difficulty. It’s really a good experience that HR&S is currently giving me. It is on these notes that our prospecting ended in unparalleled jubilation.

Impact assessment

Survey Manual

Compile tesimonies.
Make individual interviews.
Perform group discussions.
Take photos, take videos.

Preparations
Involve the full coaching team in identifying individual questions and group questions.

Make four field-visits
Visit No ONE – Five programme villages:
1. Ask the individual survey questions
2. Call for group meeting and ask the group questions.
3. Ask a few individuals for testimonies.
4. Take photos and video.
Compile results and call for groups asssessment

Draft individual survey Questions

NAME & FIRST NAME OF WOMAN
ADDRESS / Tel REGION PREFECTURE / CITY CANTON
NAME & FIRST NAME OF COACH
TYPOLOGY (various studies)
PERFORMANCE LEVEL OF THE CARRIER
Title of the activity activity in extension start-up activities
Start date of coaching
Monthly income without the HR&S / A10 project
Effective start date of the activity
Duration of operation
Sum disbursement
Monthly turnover (Write the monthly turnover for each month so that we can see the progress)
Net cash flow or Self-financing capacity (CAF) (Write the CAF for each month so that we can see the progress)
Savings made
Assessment of the evolution of the activity compared to the PA (Good performance, average performance, poor performance, performance in decline, performance in progress, etc.)
Comment on performance (Identification of the strengths and weaknesses of the carrier, the opportunities and threats, training received, etc.)
Proposal for a solution approach (to strengthen the strengths and reduce the weaknesses by exploiting the opportunities and bypassing the threats)
State of implementation work of the or each recommendation (To be completed within a month after the recommendations made).

Survey team

Survey coach from the RISE Centre: Elisabeth DRAFOR
Programme manager: M. YAWO

Control

As control we benefit from three neighbouring villages that where not yet involved with the programme.

Survey sample

Each programme village
- Each member the programme.
- A number of villagers (maybe five) that were not member of the programme.
- The village leaders.
- Other stakeholders.
Five control villages
- A number of villagers (maybe five-ten) that were not member of the programme.
- The village leaders.
- Other stakeholders

ANNUAL REPORT 2022

The Team Leader Dr Milohum Mikesokpo DZAGLI (Assoc. Prof.)
President, Leaders & Development (L&D)

Background

HR&S and Action10 set up support of its Local branches in countries of sub-Sahara Africa as Togo in some programmes. The programme N^oA3 that was re-activated in March 2020, continued in 2022 with the coaching support of Leaders & Development (L&D) and its President Mr Milohum Mikesokpo DZAGLI. The programme N^oA3 of HR&S and Action10 consisted of small businesses with women in villages in Togo. This programme involved two areas in Togo, Agbelouve and ressorts (situated at about 50 km from Lomé) and at Aguduvu at about 80 km from Lomé. The programme was constituted of tours of six (6) months and the managers were Mr AHIAKONOU Yawo, the man of the field at Agbelouwe and SOWALO Komi the man of the field at Aguduvu. Leaders and Development (L&D) worked with these men to establish TRUST and RESPONSIBILITY for this programme before the support of RISE Centre Togo. Activities are including:

Bookkeeping, Contract sheet, Recruitment and Workshops, Management of ActionInvest funds.
In general:
- Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with the managers.
- A contract of six months long was signed in double by every loan taker.

Activities

Three groups were involved in the programme with two in Agbelouve and one at Aguduvu. In 2022, the group 1 round was from 28/11/2021 ended at 12/05/ 2022, and from 06/05/2022 to 14/10/2022 and the ongoing round started from 19/01/2023 for the group 1. The first rounds of the Group 2 at Agbelouve and the Group 3 at Aguduvu ran from march –august 2022 and september 2022 to February 2023.

This report stated all the activities in 2022. These activities were constituted with follow-up communication and coaching visit during the term. The necessary that is useful to be involved in the implementation and the success of this programme at Agbelouve and resorts situated at about 50 km and at Aguduvu at about 80 km from Lomé.

The neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, Batoumé were at 30 km from Agbelouve. The programme on the field took into account about 150 women and 3 men at Agbelouve and 13 women at Aguduvu, who strive in small businesses such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks and bars, tailoring and hair dressing, etc.

For the year 2022, contracts were signed under the RISE Centre Togo with a group of one hundred and sixty-three (163) people.

The RISE Centre Togo has a general excel sheet for all the loan takers that contains all transactions and reimbursement.

We thank God, that all the people being involved in this programme in these villages appreciated the support. At the 31^th of December 2022, most of the target partners (TP) payed back their loan and interest. Due to the accident of M Yawo in August 2022, he and his wife did not pay back all.

To help Mr Yawo, three persons were assigned to collect the money. Some women did not pay too two or more weeks’ reimbursement. Actions were taking to bring these people to pay all back like they will pay back before getting another loans.

Challenges and proposed solutions

The limit of the amount of the loans is now 80000F CFA (120 euros) but some activities need more funds to reach sustainability such as sale of maize, restaurants, etc.
- Proposed solution: Increased of the capital and put the loan to 100000-150000 (152-232 euros) for the women that need upgrading capital.
New candidates are expecting being integrated in the programme
- Proposed solution: More fund needed to come up of the demand. Thanks to Action10 and its staff that strive for new capital for the ongoing round and for the next round.
The accident of the manager Yawo at Agbelouve area complicated the reimbursement for some loans taker.
- Proposed solution: New persons are assigned for this job till the establishment of M Yawo.
The creation of company
- Proposed solution: The branch will focus on the activity this year 2022.

Remarks

The accident of Mr Yawo, unfortunately, cost a lot to the programme and that could not allow us to buy the bike promised to him. We hope he will be on his feet soon and we will work. He was paid to December 2023.

For the moment, three persons were assigned to collect money from women at Agbelouve, Kotsokope and Agbodzekpo and Batoume.

New contracts will be set in the end of February or early March 2023 for other groups.

Finances

Situation on 27^th February 2022
HR&S and Action investment (2730 euros)		1790605
Bank transfer cost (27 euros)		17710
Payment of auditor (AKOTCHAYE)(year 2021)		196 800
Payment of coaching (DZAGLI) (year 2021)		147575
Invested on the field Group2 & Group3	Group2	930000
Invested on the field Group2 & Group3	Group3	460000
	Total	1390000
Expected Interest (10%)	Group2	93000
Expected Interest (10%)	Group3	46000
	Total	139000
Number of participants	Group2 = 31
Number of participants	Group3 = 13
Transport (Agbelouve, Kpotsokope, Agbodzekpo and Foulanikope -Lomé, in and out) on 27^th February 2022		20000
Accommodations during the launch (4 people, 27^th February 2022)		13200
Book & contracts & envelops		11500
Sale of Books		13200
Forfait (transport for AKOTCHAYE)		5000
Forfait (secretariat works)		2000

Situation on 12^th may 2022 Group 1
Reimbursement collected on the field			6227800
Collection fees (B)			142800
Amount collected (A-B)			6085000
Interest collected			545000
Items	Expenses at the 12/05/2022
Travel fees & salary of M Yao (6 months) (comprising the collection fees (B))		480000
Women associated to M Yao (Perdiems) (6 months)		60000
Money transfer Fees (24 weeks)		36000
Father in Law Yawo		20000
Admin & Communication (6 months)		30000
TOTAL final (C)		626000
Balance Capital on the account D (A-C)			5601800


Situation on 12^th May 2022
Reimbursement collected on the field 12th May 2022	Group2		485925
	Group3		253200
	Total (E)		739125
Collection fees	Group2		17050
	Group3		7800
	Total (F)		24850
Total Amount collected G (E-F)			714275
Total Interest collected at 12th May 2022			64170
Items	Expenses at the 12/05/2022
	L&D	Programme
Travel fees of M Yao (3 months) (comprising the collection fees (Group2))		17050
Travel fees and salary of M SOWALO Komi (3 months) (comprising the collection fees (Group3))		30000
Women associated to M Yao (Perdiems) (6 months)		0
Money transfer Fees (12 weeks)		0
Admin & Communication (3 months)		0
Transport of visiting L&D on (Aguduvu – Lomé, in and out) (26^th February 2022)	20000
TOTAL final (H)	20000	47050
Balance Capital on the account I (G-H) Group 2& 3			692075
Total Capital on the account J (D+I)			6293875


Situation on 31^th August 2022
Reimbursement collected on the field 31th August 2022 with interest (10%)	Group2		1023000
	Group3		506000
	Total (E)		1529000
Collection fees	Group2		37200
	Group3		15600
	Total (F)		52800
Total Interest collected at 31th August 2022	Total (G)		139000
Total Amount Invested Total (E)- Total (G)			1390000
Items	Expenses at the 31th August 2022
	L&D	Programme
Travel fees of M Yao (6 months) (comprising the collection fees (Group2))		80000
Travel fees and salary of M SOWALO Komi (6months) (comprising the collection fees (Group3))		60000
Women associated to M Yao Group2 (Perdiems) (6 months)		0
Money transfer Fees Group3 (6 weeks, 2000/month )		12000
Money transfer Fees Group2 (6 weeks)		0
Admin & Communication Group3 (6 months)		5000
TOTAL final (H)		157000
Balance Capital Group 2 & 3			1424800


Situation on 15^th September 2022
Reimbursement collected on the field Group 1 (A)	*(Launched 16/06/2022)*		3684100
Collection fees (B) (3 months)			129270
Amount collected (A-B)			3554830
Interest collected (3 months)			323170
Expenses at the 15th September 2022
Travel fees & salary of M Yao (3 months) (comprising the collection fees (B))		240000
Women associated to M Yao (Perdiems) (3 months)		30000
Money transfer Fees (14 weeks)		21000
Admin & Communication (3 months)		15000
TOTAL final (C)		306000
Balance Capital D (A-C)			3378100
Total Capital on Account Group 1&2&3 (15^th September 2022) (E)			4802900
Invested on the field Group2 & Group3 on 15^th September 2022	Group2		990000
	Group3		460000
	Total (F)		1450000
Expected Interest (10%)	Group2		99000
	Group3		46000
	Total (G)		145000
Number of participants	Group2 = 33
	Group3 = 13
Items	Expenses at the 15th September 2022
	L&D	Programme
Accommodations during the launch (4 people, September 2022)		20000
Book & contracts & envelops		13800
Sale of Books		13800
Forfait (secretariat works)		5000
Transport of visiting on (Aguduvu – Lomé, in and out) (26^th September 2022)		20000
Transport of visiting on Agbelouve – Lomé, in and out) (26^th September 2022)		30000
Loan for Business of Renaud		100000
TOTAL final (H)		175000
Total used I (F+ H)			1625000
Total Capital on Account Group 1 (15^th September 2022) after the launch of Group 2&3 ((E)-(I)			3177900

Situation on 31^st December 2022 Group 1
Reimbursement collected on the field (A)			6315600
Collection fees (B)			221600
Amount collected (A-B)			6094000
Total Interest collected at 30th November 2022 (C)			554000
Total Amount Interest & Collection (B+C)			775600
Items	Expenses at the 12/05/2022
Travel fees & salary of M Yao (6 months) (comprising the collection fees (B))		480000
Women associated to M Yao (Perdiems) (6 months)		60000
Money transfer Fees (14 weeks at 1500 & 10 weeks at 4000)		61000
Admin & Communication (6 months)		30000
Travel fees of M Wogbagan (10 weeks at 5000/week)		50000
Travel fees of Mme KODEGUI Christine (10 weeks at 1000 /week)		10000
Loan for Business of Renaud		100000
TOTAL final (D)		791000
Balance Capital on the account D (A-C)			5501800

Situation on 31st December 2022
Reimbursement collected on the field 30^th November 2022 with interest (10%)	Group2		752400
	Group3		348000
	Total (E)		1100400
Collection fees	Group2		26400
	Group3		10400
	Total (F)		36800
Total Interest collected at 31st December 2022	Total (G)		94560
	Expenses at the 31th August 2022
Travel fees of M WOGBAGAN (4 weeks/2000/week) (Group2 – tokpevia ))		8000
Travel fees and salary of M SOWALO Komi (4 months) (Group3))		40000
Travel fees of Mme KODEGUI Christine (4 weeks at 1000 /week)		4000
Money transfer Fees Group3 (16 weeks, 2000/month )		8000
Money transfer Fees Group2 (4 weeks, 6000/month)		6000
Admin & Communication Group3 (4 months)		5000
Admin & Communication Group2 (4 months)		5000
TOTAL final		76000
Balance Capital on the account			1024400

Recap on 31^st December 2022
Balance Capital on the account D (A-C)			5501800
Balance Capital on the account			1024400
Transfer for Moto bike 900 euro			590310
Total			7116510

EXPENSES INCURRED CONCERNING THE ACCIDENT OF M YAWO
Day 1 of Accident – transport to the hospital – the leaving of the hospital CHU Sylvanus Olympio		350000
Radiography 2		52000
Transport to Kumasi 1		50000
Food Assistance at Kumasi		25000
Visit to Yawo 1		30000
Transport to the Checking 1 at CHU Sylvanus Olympio		60000
Medicine 2		30000
Transport to Kumasi 2	35000
Transport to Kumasi (WIFEs)		30000
Transport Kumasi to Gape area		50000
Transport to Massage at Clinique Agbelouve		50000
Transport to the Checking 2 at CHU Sylvanus Olympio		50000
Agbodzekpo house Assistance for children and animals		50000
Visit to Yawo 2		20000
Total		882000
Balance Capital on the account		6234510


Situation on 14^th Janvier 2023
Balance Capital on the account			6234510
Launch of the Group 1 on 14th Janvier 2023 (Investment)	Group1	121	5815000

Items	Expenses at the 14/01/2023
	L&D	Programme
Copies of contract		3000
Copies of contract and Books		36300
Sale of Books		36300
Forfait (transport for AKOTCHAYE)		10000
Transport of visiting on the field (14^th Janvier 2023) Agbelouve, Foulanyikondji, Agbodzekpo, Kotokope, Batoume, including the location of M Yawo		50000
TOTAL final (H)		63000
Balance Capital on the account (more than ……..)			419510

AKNOWLEDGEMENTS

Many thanks to all our partners for their support to the people in the villages and in Togo especially Mrs Cecilia ÖMAN, all the group of Action10 and HR&S.

January, 30^th 2023 Reported by

Milohum Mikesokpo DZAGLI,

PCA, Leaders & Development (L&D)

Social enterprises proposals

TAILORING AT KOTSOKOPE.

Madame AWUNU Essi took in charge the formation of the poor and orphan girls in the village and around to their certificate free of charge. She hopes to be involved in the tailoring project.

TAILORING AT AGBELOUVE.

BERCEL’OR HAIR DRESSING HOUSE AT LOME

The manager, Mrs SOVON Akou Olivia (COIFFEUSE- TRESSEUSE- ESTHETICIENNE)

Tél. : (+228) 90 93 33 90 / 99 65 58 02, Email : Fernanda.sovon@gmail.com

Business proposal to RISE Center Togo to reinforce her business capacity to set a hair dressing room in Lomé and to work to pay back. (Amount requested 1264000F around 2000 euros)

Some pictures on the field

TOKPEVIA

AGBELOUVE

Status report 2023

By
Prof Milohum Mikesokpo DZAGLI
President, Leaders & Development (L&D)

August 2023
This report compiles the results from the first part of 2023.

Background

The programme A.3 now involves two areas in Togo, Agbelouve with surrounding villages (situated at about 50 km from Lomé) and at Aguduvu (at about 80 km from Lomé). The L&D programme offers six (6) months loans and collaborates on the field with Mr AHIAKONOU Yawo, in Agbelouwe and SOWALO Komi in Aguduvu. Unfortunately, Mr Yawo, had an accident in August 2022 and since three persons have been assigned to coordinate the activities, in his absensce; at Agbelouve (KODEGUI Akouavi Christine), Kotsokope (WOGBAGAN Messavi) and Agbodzekpo- Batoume (MEBUIKE Mawusi).

Leaders and Development (L&D) worked with these people to establish TRUST and RESPONSIBILITY for this programme including:

Bookkeeping, Contract sheet, Recruitment and Workshops, Management of ActionInvest funds.
In general:
- Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with the managers.
- A contract of six months are signed in double by every loan taker.

Activities

Three groups were involved in the programme with two in Agbelouve and one at Aguduvu. In 2023, the group 1 round was from 19/01/2023 ended at 29/06/ 2023. The Group 2 at Agbelouve and the Group 3 at Aguduvu ran from September 2022 to February 2023 and March to August 2023.

These activities were constituted with follow-up communication and coaching visit during the first half of 2023.

The neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, Batoumé were at 30 km from Agbelouve.

The programme on the field took into account about 150 women and 3 men at Agbelouve and 13 women at Aguduvu, who strive in small businesses such as sales of maize, beans and cakes, rice, yams and fruits, bags, clothes and shoes, drugs, goats, local drinks and bars, tailoring and hair dressing, etc.

For the year 2023, contracts were signed under the L&D with a group of one hundred and sixty-three (163) people.

The L&D has a general excel sheet for all the loan takers that contains all transactions and reimbursement.

We thank God, that all the people being involved in this programme in these villages appreciated the support. At the 15^th of august 2023, most of the target partners (TP) paid back their loan and interest. Some women missed some weeks’ reimbursement due to their health condition and death and the sick people promised to pay back after their recovery. Actions were taking to bring these people to pay all back like they will pay back before getting another loans.

Challenges and proposed solutions

The limit of the amount of the loans is now 80000F CFA (120 euros) but some activities need more funds to reach sustainability such as sale of maize, restaurants, etc.
- Proposed solution: Increased of the capital and put the loan to 100000-150000 (152-232 euros) for the women that need upgrading capital
New candidates are expecting being integrated in the programme
- Proposed solution: More fund needed to meet the demand.
The accident of the manager Yawo at Agbelouve area complicated the reimbursement state for some loanstakers because they are far away.
- Proposed solution: New persons are assigned for this job till the recovery of M Yawo.
Efficacy of the L&D
- Proposed solution: The organisation must seek for people that will be available for work and if there are income they can be paid.

Remarks

The accident of Mr Yawo, unfortunately, cost a lot to the programme and we still support him. We hope he will be on his feet soon. L&D choose a native doctor for his treatment and things are not going as we expected.

New contracts will be set.

L&D need to develop a solid business plan.

Finances


Situation on 14^th Janvier 2023
Balance Capital on the account			6 234 510
Investment	All Group	121	6 205 000
Balance Capital on the account			29 510
Total Interest collected (10%) at 15 August 2023			620 500

Items	Expenses at the 15/08/2023
	L&D	Programme
Travel fees of M Wogbagan		120 000
Travel fees of Mme KODEGUI Christine		60000
Travel fees and salary of M SOWALO Komi		60000
Travel fees and salary of M MEBUIKE Mawusi		60000
Money transfer Fees G1		48000
Money transfer Fees G2		24000
Money transfer Fees G3		24000
Admin & Communication (6 months)		30000
Assistance of M Yawo		50000
TOTAL		476 000
Balance on the account			6 379 010

AKNOWLEDGEMENTS

August, 22^th 2023

Many thanks to all our partners for their support to the people in the villages and in Togo especially Mrs Cecilia ÖMAN, all the group of Action10 and HR&S.

Reported by

Milohum Mikesokpo DZAGLI,

PCA, Leaders & Development (L&D)

Audit report

In September 2023 it was agreed to do an audit of L&D. The audit shall cover the full period of partnership with HR&S. The audit will be performed by Alexis and the fee is EUR 300.

Mid-term report March 2024

Leaders & Development (L&D)

By the Team Leader, Prof Milohum Mikesokpo DZAGLI
President, Leaders & Development (L&D)
March 2024

Background and context

v Poverty in villages
v Limitation of financial resources
v Women decided to add something else to their farm working,
v Women are doing their best to run a business
v Unfortunately, the Banks and the Microfinance institutions do not intervene regularly in these villages
v So Women had limited access of loan from bank systems with a hard condition.

HR&S and Action10’s programme N^oA3 that was activated since march 2020, continued in 2022 with the coaching support of Leaders & development (L&D) and its President Mr Milohum Mikesokpo DZAGLI. The programme N^oA3 of HR&S and Action10 consisted of small businesses with women in villages in Togo. This programme involved two areas in Togo, Agbelouve and ressorts (situated at about 50 km from Lomé) and at Aguduvu at about 80 km from Lomé. The programme was constituted of tours of six (6) months and the managers were Mr AHIAKONOU Yawo, the man of the field at Agbelouwe and SOWALO Komi the man of the field at Aguduvu. Unfortenately, Mr Yawo, had an accident in August 2022 and some people are designated the coordinate the activities. For the moment, three persons were assigned to collect money from women at Agbelouve (KODEGUI Akouavi Christine), Kotsokope (WOGBAGAN Messavi) and Agbodzekpo- Batoume (MEBUIKE Mawusi). Leaders and Development (L&D) worked with these people to establish TRUST and RESPONSIBILITY for this programme before the support of Rise Centre Togo.
Activities are including: Bookkeeping, Contract sheet, Recruitment and Workshops, Management of ActionInvest funds.
In general: Each loan taker had two duplicated books that contains every transaction, one with the loan taker and the other with the managers.A contract of six months long was signed in double by every loan taker.

Activities Three groups were involved in the programme with two in Agbelouve and one at Aguduvu.
Small businesses involved in the programme are: i) sales of maize, beans, cakes, rice, yams and fruits, bags, clothes, shoes, drugs, goats, local drinks, local food ii) tailoring and hairdressing

L&D activities were constituted with follow-up communication and coaching visit during the term. The necessary that is useful was involved in the implementation and the success of this programme at Agbelouve and ressorts situated at about 50 km and at Aguduvu at about 80 km from Lomé. The neighbouring small villages such as Kpotsokope, Agbodzekpo and Foulani Kondji, Batoumé were at 30 km from Agbelouve. The programme on the field took into account about 150 women and 3 men at Agbelouve and 13 women at Aguduvu Contracts were signed under the Rise Centre Togo with the groups thanks to L&D. L&D has a general excel sheet for all the loan takers that contains all transactions and reimbursement. We thank God, that all the people being involved in this programme in these villages appreciated the support.

Today, most of the target partners (TP) payed back their loan and interest. Some women missed some weeks’ reimbursement due to the difficulties they met, but people promised to pay back after. Actions were taking to bring these people to pay all back like they will pay back before getting another loans.

Challenges and proposed solutions
– The limit of the amount of the loans is now 80000F CFA (120 euros) but some activities need more funds to reach sustainability such as sale of maize, Restaurants, etc.
Proposed solution: Increased of the capital and put the loan to 100000-150000 (152-232 euros) for the women that need upgrading capital
– New candidates are expecting being integrated in the programme
Proposed solution: More fund needed to come up of the demand. Thanks to ACTION10 and its staff that strive for new capital for the ongoing round and for the next round.
– The accident of the manager Yawo at Agbelouve area complicated the reimbursement state for some loans taker because they are far.
Proposed solution: New persons are assigned for this job till the recovery of M Yawo.
– The creation of company
Proposed solution: The branch company was created on 7^th April 2023
– Efficacy of the Group of Togo
Proposed solution: The branch must seek for people that will be available for work and if there are income they can be paid
The issue of life of the Company “Human Right & Science Branch Togo with the resignation of the manager M Alexis due to the non-activity of the company. Proposed solution: to close company or to appoint a new manager. All these actions may cost for the Center. Almost between 75 000 for new appointment to 250000 for the closing. In all the cases we must pay the taxes for the year.

OUR works: A BUSINESS PLAN, BOOKKEEPING, WORKSHOPS, SURVEY, RECRUITMENT, CONTRACT, WHITNESS, SET OF : TRUST and TRUTH BETWEEN ACTORS OF THE PROGRAMME

For the future : L&D will try to set well it proper activities that could be interesting to its members. For the moment the programme at these villages helps the women there and could only pay the people on the field, communication, with the interest gained.

Seeking support

ROPE Review Dec 2023

Ambition

Outcome Challenges

Stakeholder committee

Output

Outcome

SOP

GMP

TestE

Project design & implementation

About Programme A1

Strategy for Change

Background

Context

Ambition

Outcome challenges

Activities

Output

Progress markers

Baseline

Sources of evidence

Required input

Business model

Outcome

Lessons learned

Informed decisions

Impact

Testimonies

Vision

Background

Context

Opportunity for collaboration

Outcome

Follow-up

Outcome

Status 2020

Outcome 2020

Expected Outcome 2023

Social good & business model

Equal partnership collaboration

Target partners

The villages

Programme management partners

Business model

1st loan 2020

2nd loan 2020

3rd loan

4th loan

Financially sustainable

Status report July 2020

vISIT report AUGUST 2020

Status report SEPTEMBER 2020

Coaching report

Status report October 2020

Coaching report

Visit report Nov 2020

Report Report from field visit

Test-E report Nov 2020

Survey Method

Context

Output

Outcome

Conclusion

Next visit

Details about the business managers

End of the year 2020 evaluation planning report

Background

Challenges and proposed solutions

Remarks

Finances

Expenses at the launching of the programme Group 1

Auditing report 2020

INTRODUCTION

I- PRESENTATION OF THE LEADERS AND DEVELOPPEMENT ASSOCIATION (LTD)

II- ADMINISTRATIVE ORGANISATION OF PROGRAMME A3

III- FINANCIAL MANAGEMENT

3.1 CREDIT ACTIVITIES

3.1.1. 1st group credit

3.1.2 Credit to the 2nd Group

End of the year 2020
evaluation planning report

Annual Report 2021
HR&S Branch Togo

Social good
direct impact