BEBOBAKERY
Jaarverslag 2011
INHOUD
Voorwoord
Financieel verslag
Tabellen
- Inkomsten ontwikkeling
2007-2011
- Inkomsten en Uitgaven 2011
- Loan
Summary
- Planning
2012-2013
Annex
Summary
1.
2.
3.
4.
Voorwoord
jaarverslag 2011
Stichting BEBO staat voor Brood en Beroepsopleiding.
Wij bakken geen brood maar ondernemers. Middels
het verstrekken van kredieten aan de plaatselijke bevolking is het Stichting
BEBO gelukt om met succes kleine bedrijven op te starten. In de loop van de jaren
is de doelstelling van de projecten verbeterd ten aanzien van continuďteit en
duurzaamheid. Afgelopen jaar heeft dit geleid tot het verder opstarten van onze
meerjarenplanning op het gebied van duurzame voeding en training/begeleiding
van Area Managers, voor het beheer van het Revolving Fund.
De resultaten die Stichting BEBO heeft behaald op deze gebieden
en de innige samenwerking met Cordaid bewijst dat we
met het 5 jaren plan op de goede weg zijn.
Grote dank aan alle donoren en vrienden.
Door het vertrek van onze secretaris Albert Stroeve, man van het
eerste uur bij BEBO, is de
administratie overgedragen aan Jo van der Burgt.
In 2011 zijn er 40 nieuwe
leningen verstrekt van totaal
€ 67.865 waarvan twee uitzonderlijke:
- een lening voor de aankoop van het BEBO guesthouse ten behoeve van het ontwikkelen van
toeristische activiteiten.
- een lening aan Florence Bakery
voor de productie van “Granola”
Over de voortgang van de
andere projecten leest u meer verderop in ons jaarverslag.
Het bestuur van Stichting
BEBO hoopt dat 2012 net zo succesvol zal zijn als 2011. Met onze inzet en de
financiële hulp van onze donoren vertrouwen wij daar weer op.
Namens het bestuur,
Jo van der Burgt
secretaris
Financieel
Jaarverslag 2011
In 2011 heeft Bebobakery €113.000 uitgegeven en €126.000 ontvangen.
Een surplus dat goeddeels is toe te schrijven aan de toenemende
terugbetalingen van leningen.
Evenals in
voorgaande jaren is het leeuwendeel van de inkomsten besteed aan startende
ondernemers. Er zijn inmiddels 115
investeringskredieten verstrekt aan even zoveel startende ondernemers. 36
bedrijfjes zijn geslaagd en hebben hun lening volledig afgelost, 24 hebben we
afgeschreven en 55 zijn nog succesvol in de race.
Over haar achtjarige bestaansperiode heeft Bebobakery € 621.000 ontvangen vanuit Nederland
en €142.000 aan terugbetalingen in Ghana. Totaal €763.000.
In 2011 heeft Bebobakery
€ 70.000 ontvangen vanuit Nederland (51% particulieren en 49% overheid) en € 57.000 aan terugbetalingen
in Ghana. Totaal €126.000.
Daarvan is € 113.000 uitgegeven en is € 13.000 aan de reserve toegevoegd voor de financiering van lopende
projecten. Totale reserve is € 46.000 (consolidated balance)
De stichting wordt in Nederland financieel
gedragen door overheid en particulieren en conceptueel in Ghana door een
groeiend aantal ondernemers en kerkleiders.
Sinds het benoemen van drie Area Managers in Accra, Cape Coast en Kumasi
is de toewijzing van leningen en de terugbetaling verbeterd en is de implementatie capaciteit van Bebobakery
enorm vergroot.
Bebobakery heeft zich ook
ingezet voor de verbetering van de voeding van schoolkinderen, middels de introductie van soja in het schoolmenu. In 2009
werd een pilotproject uitgevoerd, waarbij meer dan
dertig duizend maaltijden zijn bereid voor drie duizend kinderen op vijf
verschillende scholen. Het project was zeer succesvol en kan op grotere schaal
worden toegepast.
Inmiddels hebben zich 93
scholen aangemeld voor een productdemonstratie.
In de komende jaren richten we ons op SOL
–soja onderwijs en landbouw- waarbij het wel beproefde systeem van leningen aan
ondernemers gehandhaafd blijft, met andere woorden
soja boeren, cateraars,
die soja melk en ander soja producten produceren en voortrekkers in de landbouw
en voedselverwerkende industrie, helpen wij graag met het opstellen van een
goed business plan en een starterkrediet. Dit jaar hebben we ook de bijentelers
en honingproducenten in deze keten opgenomen.
Wat Bebobakery met
Uw donaties gedaan heeft en in de komende jaren denkt te gaan doen, wordt
verder toegelicht in de navolgende tabellen.
Tabel 1 Inkomstenontwikkeling 2007-2011
Tabel 2 Inkomsten en Uitgaven 2011
Tabel 3 Loan
Summary
Tabel 4 Planning
2008-2013
|
Tabel 1 |
Inkomsten ontwikkeling
2007-2011 |
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2.007 |
2.008 |
2.009 |
2.010 |
2.011 |
2007-2011 |
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overheden |
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Cordaid |
20.000 |
20.000 |
25.000 |
25.000 |
32.058 |
122.058 |
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|
NCDO |
25.753 |
2.500 |
22.660 |
2.450 |
|
53.363 |
|
|
|
|
|
|
Parochie
Coevorden |
|
1.000 |
1.950 |
1.750 |
1.750 |
6.450 |
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|
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|
Gemeente
Zwolle |
|
1.000 |
1.233 |
510 |
570 |
3.313 |
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subtotaal overheden |
45.753 |
24.500 |
50.843 |
29.710 |
34.378 |
185.184 |
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particulieren & bedrijven |
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A.V.V.Z. |
|
25.000 |
|
25.000 |
|
50.000 |
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Turing Foundation |
25.000 |
22.500 |
-19.500 |
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28.000 |
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Kaemingk-Schouten |
5.000 |
5.000 |
5.000 |
5.000 |
5.000 |
25.000 |
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Bomunie |
4.500 |
3.200 |
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|
7.700 |
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St Theodora |
2.000 |
|
18.000 |
|
7.000 |
27.000 |
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Schagen+Salverda |
|
1.000 |
3.600 |
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|
4.600 |
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Ant Veendijk
Stichting |
10.000 |
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|
10.000 |
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BB
Groningen |
3.000 |
2.854 |
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|
1.000 |
6.854 |
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essent |
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0 |
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delta
wonen |
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0 |
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Theanne Boer |
1.290 |
1.200 |
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|
2.490 |
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Dick
Kohrman |
|
1.010 |
750 |
430 |
|
2.190 |
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Inner
Wheel Club Zwolle |
2.300 |
1.815 |
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|
4.115 |
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Hemmink BV |
1.000 |
1.000 |
500 |
500 |
750 |
3.750 |
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Agaath Bokma |
575 |
600 |
600 |
600 |
600 |
2.975 |
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Zeven
Heren Dedemsvaart |
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|
12.600 |
12.600 |
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Bruiloft
Jerwin Tholen |
|
3.000 |
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|
3.000 |
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Anneke
en Henk Burger |
|
2.244 |
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|
2.244 |
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Golfclub
"de Breuninkhof" |
|
711 |
600 |
802 |
1.600 |
3.713 |
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subtotaal
2,1 |
54.665 |
71.134 |
9.550 |
32.332 |
28.550 |
196.231 |
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overige
particuliere donaties |
22.779 |
6.011 |
30.032 |
1.375 |
6.574 |
66.771 |
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subtotaal
particulier & bedrijven |
77.444 |
77.145 |
39.582 |
33.707 |
35.124 |
263.002 |
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Grand
total |
123.197 |
101.645 |
90.425 |
63.417 |
69.502 |
448.186 |
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overheden
(%) |
37 |
24 |
56 |
47 |
49 |
41% |
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particulieren
(%) |
63 |
76 |
44 |
53 |
51 |
59% |
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p
DER zonder aftrek |
1,15 |
1,16 |
2,21 |
1,31 |
1,71 |
1,51 |
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met
belastingaftrek |
2,40 |
2,41 |
4,61 |
2,73 |
3,56 |
3,14 |
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Inkomsten ontwikkeling |
2.007 |
2.008 |
2.009 |
2.010 |
2.011 |
2007-2011 |
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overheden
-blauw |
45.753 |
24.500 |
50.843 |
29.710 |
34.378 |
185.184 |
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particulieren
-paars |
77.444 |
77.145 |
39.582 |
33.707 |
35.124 |
263.002 |
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repayments -groen |
3.489 |
20.589 |
26.690 |
34.181 |
56.738 |
141.687 |
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126.686 |
122.234 |
117.115 |
97.598 |
126.240 |
589.873 |
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Tabel 2 Inkomsten en Uitgaven 2011 |
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Inkomsten |
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Uitgaven |
Ghana |
NL |
Total |
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Euro |
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GHc |
Euro |
Euro |
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CORDAID |
32.058 |
46% |
46% |
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Leningen
Startende ondernemers |
125.144 |
|
59.592 |
53% |
|
St Theodora |
7.000 |
10% |
56% |
|
Soya melk project |
17.873 |
9.500 |
18.011 |
16% |
|
Kaemingk Schouten |
5.000 |
7% |
63% |
|
Bicycle project |
1.354 |
9.724 |
10.369 |
9% |
|
Empower |
2.000 |
3% |
66% |
|
Bebo Home |
|
6.000 |
6.000 |
5% |
|
De
Anzet (P.Lier) |
1.800 |
3% |
69% |
|
Training
& Instutiional development |
9.006 |
|
4.289 |
4% |
|
Nanning |
1.800 |
3% |
71% |
|
Social Cultural Activities |
6.487 |
|
3.089 |
3% |
|
van
Dijk |
1.800 |
3% |
74% |
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Vrieling W |
1.800 |
3% |
77% |
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Project
admin NL |
|
5.336 |
5.336 |
5% |
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Heering Kunstof
Profielen |
1.800 |
3% |
79% |
|
International
travel |
|
4.228 |
4.228 |
4% |
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Herbahortus (Kruidhof) |
1.800 |
3% |
82% |
|
Diversen |
|
2.105 |
2.105 |
2% |
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J.Hoogeveen |
1.800 |
3% |
84% |
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|
113.019 |
100% |
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Willibrordus parochie |
1.750 |
3% |
87% |
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Breuninkhof Golftoernooi |
1.600 |
2% |
89% |
|
positive balans mutatie |
|
|
13.221 |
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Beukeveld |
1.000 |
1% |
91% |
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|
126.240 |
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KBO
Overijssel afd Zwolle |
790 |
1% |
92% |
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Hemmink |
750 |
1% |
93% |
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RCApeldoorn -Sprengen |
750 |
1% |
94% |
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Henk
Nieuwenhuizen |
700 |
1% |
95% |
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Beukeveld, Coevorden |
700 |
1% |
96% |
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gemeente
Zwolle |
570 |
1% |
97% |
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Agaath Bokma |
600 |
1% |
98% |
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Kamermans |
500 |
1% |
98% |
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Heerema |
300 |
0% |
99% |
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PPP KBO & |
299 |
0% |
99% |
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PPP HV Drenthe |
282 |
0% |
100% |
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Diender,
Zwolle |
100 |
0% |
100% |
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Johan
& Marijke |
100 |
0% |
100% |
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Diversen |
53 |
0% |
100% |
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Bijdrage NL |
69.502 |
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Bebo Guest House |
26.085 |
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Bebo Home has been sold on 22-5-2011 to Ayilkoo Ent. @ € 18000 cash |
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loan repayments |
30.653 |
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and a
€15000 loan,repayable in 24 monthly terms of € 625 each |
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Repayments |
56.738 |
|
45% |
|
The house belonged to Allbert & Lisa Stroeve and
the land to the Village Chief |
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Totals |
126.240 |
|
100% |
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Bebobakery paid € 27000 for the house and € 14000 for the land and indenture |
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The loss has been compensated for by
renting the house.part of the year |
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Begin balans |
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Eind balans |
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|
abnamro 41,30,23,362 |
8.371 |
6.802 |
31-12-11 |
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abnamro 46,24,29,652 |
11.000 |
19.000 |
31-12-11 |
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|
19.371 |
25.802 |
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Barclays
1000 728 |
5.228 |
19.873 |
6-12-11 |
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Barclays
101 6686 |
8.850 |
641 |
5-12-11 |
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|
Barclays
104 9851 |
0 |
354 |
28-11-11 |
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|
14.078 |
20.868 |
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Total
of accounts |
33.449 |
46.670 |
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Balans
mutatie |
13.221 |
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Tabel 3
Loan Summary |
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|
fully repaid |
€ 75.157 |
36 |
loans |
€ 75.157 |
already paid |
|
26% |
|
partially repaid |
€ 174.466 |
55 |
loans |
€ 90.049 |
already paid |
|
31% |
|
written off |
€ 40.911 |
24 |
loans |
€ 84.418 |
still to be repaid |
29% |
|
|
Totals |
€ 290.534 |
115 |
loans |
€ 249.623 |
total exp.
repayment |
86% |
|
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|
|
€ 40.911 |
loss |
|
14% |
|
Tabel 11 |
Plan 2012-2013 |
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nr |
cedis |
repay |
subtotals |
Ent.own |
loan/ |
|
Enterpreneur |
Location |
trade |
units |
per unit |
years |
euro |
capital |
grant |
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|
x-rate |
2,00 |
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|
Conrad Kaaiwula |
Tamale |
soybean farmers |
20 |
2.500 |
2 |
€ 25.000 |
|
€ 25.000 |
|
|
Bolgatanga |
honey bees |
50 |
1.000 |
3 |
€ 25.000 |
€ 2.500 |
€ 22.500 |
|
George
Anku |
Kumasi |
Caterers |
12 |
5.000 |
3 |
€ 30.000 |
€ 6.000 |
€ 24.000 |
|
George
Anku |
Kumasi |
poultry farmers |
20 |
2.500 |
2 |
€ 25.000 |
|
€ 25.000 |
|
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|
Lucy
Attom |
Cape
Coast |
micro
loans |
20 |
1.500 |
1 |
€ 15.000 |
|
€ 15.000 |
|
Lucy
Attom |
Cape
Coast |
meso loans |
20 |
3.000 |
3 |
€ 30.000 |
|
€ 30.000 |
|
Lucy
Attom |
Soy mik machines |
import |
6 |
15.000 |
4 |
€ 45.000 |
€ 6.000 |
€ 39.000 |
|
Brakoh: PS-JSS |
Ampenyi |
school
support |
1 |
6.000 |
0 |
€ 3.000 |
|
€ 3.000 |
|
CapeDeaf |
Cape
Coast |
school
support |
1 |
6.000 |
0 |
€ 3.000 |
|
€ 3.000 |
|
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Florence
Bakery |
Accra |
bakery |
1 |
30.000 |
7 |
€ 15.000 |
€ 5.000 |
€ 10.000 |
|
Peter
Y.Frempah |
Accra |
soymill |
6 |
15.000 |
2 |
€ 45.000 |
€ 12.500 |
€ 32.500 |
|
Theophilus Mintah |
Accra |
meso loans |
20 |
6.000 |
3 |
€ 60.000 |
|
€ 60.000 |
|
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|
Grand
totals euro |
|
|
177 |
7.792 |
2,5 |
€ 321.000 |
€ 32.000 |
€ 289.000 |
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|
Funding |
Entr.contribution. |
|
|
10% |
€ 32.000 |
|
|
|
|
|
repayments |
|
|
|
28% |
€ 89.000 |
€ 89.000 |
|
|
|
|
|
domestic |
38% |
|
€ 121.000 |
|
|
|
|
CORDAID |
|
|
|
31% |
|
€ 100.000 |
|
|
|
Bebobakery |
|
|
|
31% |
|
€ 100.000 |
|
|
|
|
|
foreign |
62% |
|
€ 200.000 |
|
|
|
|
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100% |
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€ 321.000 |
€ 289.000 |
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Annex
Summary
1
Soja schoolmilk
project
After a successful pilotproject in
2009 it was agreed that the soyamilk project could be implemented on a larger scale.
Two things should
be ironed out, however.
1 Bebobakery
would not have the capacity to handle a nationwide multi-million project and
2 The Government of
To tackle both issues at once, it was decided to focus on private
schools at first.
Demonstrations have been organised at Methodist and Seventh Day
Adventists schools.
More than 200 schools are interested in the soya based menus and ready to
cooperate.
Moreover, the production of soybeans has tripled over the last decade;
currently over 70 thousand tons. Prompt
and cash payment to farmers is the best incentive for further increase of production.
The need for farm loans is considerably less than we anticipated.
Milling machine design
Lucy and Theophilus contact Universities and
industrial companies for development of a stainless steel milling machine that
does the following tasks:
·
coarse crushing to
break the skin and fine milling to set the milk free
·
tumbling to pour out
the milk and to discharge the tofu
(okra)
·
it should stand more than 100 centrigrades and hold more than 500 litres.
Institutional Development
Area Managers, Lucy in
Loans and repayments
The number of loans are steadily increasing and
repayments are further improving.
We expect to conclude Operation Solomon this year.
It much depends on developments
in Ampenyi.
The children of Isaac Enkoom, who passed away in
December, decided to honour the repayment of their father’s outstanding loan.
We expect this to have an impact on the morale of the other loan takers in Ampenyi.
Cooperation with a divided Ampenyi
Community.
Bebobakery is still trying to bring the various stake holders in Ampenyi together and to cope with some obstruction. The
newly elected assembly man and the members of the Unit Committee have given
their word to work in harmony with Bebobakery in the
interest of the whole community
2
Main purpose of this mission was to complete the project proposal list
for 2011
and collect
original loan applications.
Currently we have the following list of applications:
30 micro loan applications €15,000
30 small investment applications € 55,000
4 medium size investment loans €84,000
3 applications for grants € 39,000
Total funding requirement € 193,000
Bebobakery may raise up to €100.000 from private donors,
which will be doubled by CORDAID.
At present Bebobakery has collected
€ 25,000 and hopes to raise another €
The micro loans are small short term loans. It is relatively
expensive money, but nonetheless in high demand. Repayment is 99%. This window
is handled by Lucy Attoms.
The small investment
loans are about € 2000 for a period of 2-3 years. This window is
handled by all three Area Managers. Repayment is about 80%.
Medium size investments imply expansion and innovation. In this particular case expansion
of a bakery, introduction of
new products: granola, soya milk, soya bread, rolls and honey.
Theophilus Mintah of Florence Bakery
and Peter Frempah, general manager of Seventh Day
Adventist schools, have decided to cooperate and to promote soy food
nationwide.
Conrad Kaaiwula has
submitted a business plan for the production of honey.
Honey is in great demand locally and for export.
Honey is also an essential ingredient in the
production of granola.
Grants that fall in
the category of Social & Cultural Activities
Bebobakery is focussed on economic development by stimulating Small and Medium size
Enterprises. However, we respond to local needs and the wishes of donors. Bebobakery has become part and parcel of the Ampenyi Community and we share their beautiful beaches and
their problems.
3
Purpose of the
mission
Inauguration of CORDAID sponsored project 105804:
loans for starting entrepreneurs
The project may last 5 consecutive years, starting from 14-7-2011,
CORDAID doubles private sector contributions up
to a maximum of € 100,000 per year
Hence a maximum budget of € 1,000,000 plus repayments for the next 5
years
The first year
contract includes:
·
50 micro/meso loans through Area Managers in
·
Investment loans for
soymilk and granola production in
·
Investment loan for eco tourism
in Ampenyi.
·
Vocational training
at CapeDeaf and Monzano
·
Social Cultural
Activities in Ampenyi.
·
Training and
development of 3 BEBO ngo’s and Area Managers.
What did we do this
time?
15 new loans, partly by relending of repayments
(revolving fund),
partly by lending of new project capital. € 20,000
Purchase of 2 soy steamers to be delivered in Nov. € 15,000
5-year development plan for vocational training € 43,500
Total commitment
€ 78,500
Financial
independence in 5 years time. Quite a challenge!!!!
The 3 area managers should be capable to manage the
newly established foundations independently and without further support from Bebobakery within 5 years.
Quite a challenge, but in view of progress made so
far, it can be done.
The 3 Area Managers are totally different people, and
operate differently, but they share self confidence, reliability and
determination to succeed.
4
Purpose of the
mission
Follow-up on loans for starting entrepreneurs.
Last preparations before installation of first 3 soy
steamers.
Implementation of 5 year cooperative programme with
Continuation of Social Cultual
Activities in Ampenyi.
Loans for starting
entrepreneurs
This year Bebobakery issued
27 new loans with a total value of € 66.000.
Repayment ratio of the new loans is for more than 80% according to
schedule.
The biggest loan this time went to Florence Bakery for
production of local muesli,
granola Africana. The bakery will move from a rented place in Dansoman to a purchased place in Kasoa.
EbenOaks’ repayment is gradually improving: currently about € 100 per month.
Repayment of fishmeal loan of Gordon Sampson in Atabaze is slowing down: we consider financial management
by the Area Manager if the situation does not improve.
Soya Milk
Agreements on installation of the first three soy
steamers have been made with COENCO, the producer of the machines in Belgium
and with the users of the machines in Ghana: Mrs Adjoa
Boisson in Cape Coast, the lady who carried out the
pilot project in 2009 and the two heads of schools in Kumasi and their General
Manager Peter Frempah in Accra.
COENCO will deliver and install the machines in
Feb-March and Bebobakery provides loans upto € 12.000 per production unit.
Loans will be repaid within three years.
Capedeaf
240 bikes and some tools and equipment have been
shipped from
With assistance of CRAN all items have reached their
final destination and most of the transportation cost has been recovered.
CapeDeaf and Samuel Mensah have received the first
consignment of 40 bikes and some tools. More tools, equipment and spareparts are planned to be bought locally as part of the
five year cooperative programme. Samuel Mensah
participates in the technical training of the students.
Ampenyi
Bebobakery built a Guesthouse and
All machinery and equipment of the former vocational
institute have been removed, except for a 10 kva
generator. In spite of the disappointing results in Ampenyi
and continuous obstruction by a minority group, Bebobakery
will continue its SCA programme in Ampenyi, in
particular the support
to the PS- JSS school and Headmaster Mr Brakoh.