Support Centre for Education & Training on Self Development Initiatives C.A.F.I.A Presented by: Mr. Orphé Mézétou ADOM, MCSM First Counsel, Honor Member

Support Centre for Education & Training on Self Development Initiatives

C.A.F.I.A

Presented by: Mr. Orphé Mézétou ADOM, MCSM First Counsel, Honor Member

Date: 25/01/2008 / Location: Gent

Mutual Cash Register for Savings and Micro Credits

C.M.E.C

&

Page 2 January-08

CAFIA & CMEC, Confidence in a better future.

Centre d’Appui et Formation aux Initiatives d’Auto-développement / Caisse Mutuelle d’Epargne et de Credit

Agenda

About us

Our Organization

Our Challenges

Our Focus, Facts & Figures

Our Next Steps

Page 3 January-08



Oprhé Mézétou Adom

Profile

Orphé Mézétou Adom, MCSM

Background 2005 – 2006 Master Class in Services Management, MCSM (Vlerick

Management School, Belgium) 1990 – 1994 Engineer in Electrical Engineering & Computer

Science (UVHC/France)

Professional experience at Siemens From 04/2007 Solution Design Authority, Siemens IT Solutions and

Services 09/2006 – 03/2007 Business Development Manager, Siemens

Medical Solutions 09/2005 – 09/2006 Global Services Infrastructure Process

Manager, Siemens Communications (HQ, Munich) 02/2004 – 08/2005 Solution Design Authority, Managed Services

Process and Transition Project Manager, Siemens Communications 10/2002 – 02/2004 Service Operations Manager, Application

Operations, Managed ERP for SAP, Siemens Business Services 05/2001 – 09/2002 Operational Project Manager, Application

Operations, Managed ERP for SAP, Siemens Business Services

Professional experience outside Siemens 1999 – 2001 Volkswagen Brussels (known as Audi Brussels), IT

System Engineer 1997 – 1999 Volkswagen Bordnetze GmbH, Principle IT System

Engineer

Additional Information Married, 3 children, 12 and 2 years old, First Counsel of CAFIA

Please add a picture of

you

Senior Consultant,Solution Design Authority

at Siemens IT Solutions and

Services

Page 4 January-08



Wyao Bodomziba Tchala

Profile

Wyao Bodomziba Tchala

Background 1995 – 1999 Engineer of Agronomy, graduate from the

« Ecole Supérieure d’Agronomie de l’Université de Lomé », Option Vegetable Productions

Professional experience From 10/2003 Regional Manager of OSAT (Observatory

of the Food Safety of TOGO), Area SAVANES 01/2002 – 01/2003 Professor of the Physics at the

College of Pagala (Togo) 01/2000 – 01/2002 Professor of the Physics at the

College of Blitta (Togo) 01/2000 – 01/2002 Professor of the Physics at the

College of Blitta (Togo) 01/1999 – 01/2000 Voluntary Professor of the Physics

and Mathematicsl at the College and Lycée of Elavagnon Est – Mono

Voluntary experience Arpy (Association of People from Pya): Incumbent

President

Additional Information Married, 2 children, President of CAFIA

Please add a picture of

you

Directeur Régional OSAT (Observatoire de la Sécurité Alimentaire du

Togo), Région des Savanes – Togo

5

Initial Contribution of Honor Members of CAFIA - CMEC

Initial Founders of CAFIA (November 2006)

Name Surname Initial Contribution

40.000 F CFA / 60 EURO

Role

ADOM Mézétou Orphé 5.000,00 F CFA 7,50 EURO First Counsel

TCHALLA Wyao Bodomziba 5.000,00 F CFA 7,50 EURO President CAFIA

HOUDJO Mansamaesso 5.000,00 F CFA 7,50 EURO Secretary General CMEC

KOINZI Yolande 5.000,00 F CFA 7,50 EURO Honor Member

LELOUA Isabelle 5.000,00 F CFA 7,50 EURO Honor Member

TARENOA Bourogoutama 5.000,00 F CFA 7,50 EURO Second Counsel

KAROUWE Banibèza 5.000,00 F CFA 7,50 EURO General treasurer

KAROUWE Pourowa 5.000,00 F CFA 7,50 EURO Managing CMEC

Page 6 January-08



Page 7 January-08



Agenda

About us

Our Organization

Our Challenges


Our Next Steps

Page 8 2007 – 2008 Confidence in a better future / CAFIA©

Orphé Mézétou ADOM, First Counsel, Honor Member

Ignite Human Self-Development Process!

CMECMicro Finance

WOMENSmall Business

MENRural Production

CAFIAEducation



CAFIA-CMEC: Organizational Structure that ignites human self-development

HONOR MEMBERS& EXECUTIVE

OPERATIONSCAFIA

FINANCESCMEC

EDUCATIONCOACHES

PRODUCTIONMEN

MICRO FINANCEMICRO-PROJECTS

COMMERCEWOMEN

COOPERATIVE I

COOPERATIVE II

COOPERATIVE III

CORN

SORGHUM

RICE

PROJECT I

PROJECT II

PROJECT III

MARKET OF CORN

MARKET OF SORGHUM

MARKET OF RICE

…

COOPERATIVE N

PALM OIL

JATROPHA CURCAS

…

PROJECT N

…

MARKET OF OIL



Goals of CAFIA – CMEC 2007-2008

ORGANISATION

Operational Goals

MEN

WO

MEN

CMEC

CAFIA

To Reinforce the Organizational & Institutional Capacities of CAFIA&CMEC

To Popularize the Agricultural Techniques and New Technologies

To Reinforce the Producing Capacities of Women and Men

To Preserve and Market Crops: corn, sorghum, rice, yams, etc.

To Protect: Environment, Bio-diversity and Agricultural Industry

Details included in

the Operational PLan

Started Planned Not Planned

To Organize the Participative Approaches of the Rural Work Force: Women & Men

To Integrate the Female Gender in the Activities of CAFIA and CMEC

To Organize the Self-Financing of CAFIA, thanks to its Financial Institute CMEC

Not In Scope

1

2

3

4

5

6

7

8



Localizing Togo in the West African Region

Togo

Ela

vag

no

n (

ES

T M

ON

O)



Agenda

About us

Our Organization

Our Challenges


Our Next Steps



CMEC is the glue to:

Micro finance very small businesses;

Educate people, very poor rural women;

Sustain human development of women;

Build capacity in rural area

Benefit rural wonen and young girls

Ignite self-development & growth

Micro Credits Very Small Entreprises (VSE) improve poor women’s revenues.

Micro Project

Micro Business

Micro Education

Micro Finance

C.M.E.C

CMEC structured micro-finance to the region.

CMEC organize rural people, rural women around CAFIA.

CMEC Effectiveness and efficiency of partners.

Why CMEC?EFFECTIVE BENEFITS OF CMEC IN THE RURAL AREA IN TOGO





Operational Card, as assigned to the President

CMEC (Finance): Working Capital (Needs): 13.000€ Target: > 80%

CAFIA (Education):Execution of the operational targets: 8

goals, action items planned and budgeted

Target: 100% Sale of 5000 shares (total 7.621 Euro)

Target: 100% New Members adhering to the CAFIA

Target: >+50% (300+150=450 Members)

Women (Small Business): Invest in Micro-Projects for Women in order to start small businesses Target: +50% (presented projects) Invest in projects for the production of crops (Production)Target: +30% (of current capacity)

Men (Production):Increase #Ha 2007 (i.e. crops)

Target: 3000 ha (at least) Increase #Ha 2007 (e.g. palm trees and

Jatropha)

Target: 2 ha

Page 16 January-08



Agenda

About us

Our Organization

Our Challenges


Our Next Steps



Our Focus is: CMEC (SWOT Analysis)

- Absence of a legal approval, still under development;

- Weak rate of penetration of this rural area; - Costs of the buildings and wages are high

compared to the current budget of CMEC;- Didactic and office automation materials are

missing;- Direct access to available supportive funds;

Powerful and competent team is in place and has a basic financial capacity to act;

Strong growth of the savings and available micro-credit funds, ca. 5.000.000 F CFA, i.e. 7.621 Euro;

Statuses, the Rule of Procedures, the Norms and Operational Standards are in place and applicable;

Intensive daily monitoring and control of technical and financial operations is assured

- COOPEC (main competitor); - Policy of Micro-Credits in the area;- Dependence on the cereal cultures; - Dependence on local climatic conditions;- Political instability: national, regional and

local;- Geographical and professional mobility of the

civil servants, current members of CMEC

Favourable economical situation offerd in the area;

Fewer competitors, even a total absence of competition in certain localities of the area of action: the only known competitor is COOPEC;

Potential of diversification of rural production;

Potential to create jobs for rural women

Regional diaspora active in Europe (e.g. Adom)

Forces Weaknesses

Opportunities Threats



Operational Results

CAFIA:

Total Groupings: 14 Total Individuals: 420 Femal Groupings: 03 Total Women: 90 Groupings for Nurseries: 02 Toal Women: 30

9 founder members 77 individual members 28 members are residing outside the target rural zone 58 members individuals in are in the zone.

CMEC: Grants: 4.300.000 F CFA to 09 agricultural groupings Investments (Motor pumps): 400.000 F CFA



Financial Results

Affiliates Shares: CMEC 73 500 F and CAFIA 234 000 F

Members’ shares : 167 000F Total Shares: 474 500F

Savings: 2 806 000F

Expenses: 406 000 F Micro Credits: 2 300 000F Total Micro Credits: 3 673 500F

Receivables: 4 408 200F Reimbursemnet:1 781 900F rate: 40,42% (due date 03/2008)

Last credit round: December 2007: 1 313 000F for Rural Woman

Center Annual Wages: 334 290F



Facts & Figures: Affiliation of CMEC’s Members

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

jan/07 feb/07 mrt/07 apr/07

MEN GROUPING WOMEN GROUPING Individuals Men Individuals Women Auxiliary Affiliates TOTAL



Facts & Figures: Evolution of Members at CMEC (2007 – 2010)

0

200

400

600

800

1000

1200

1400

1600

1800

2000

Avr. 2007 Dec. 2007 Dec. 2008 Dec. 2009 Dec. 2010

MEN INDIVIDUALS

WOMEN GROUPING

MEN GROUPING

TOTAL

AUXILIARY AFFILIATES

WOMEN INDIVIDUALS



Facts & Figures: CMEC’s Savings Deployment

GLOBAL TREND OF SAVINGS

27.080

36.874

51.345

68.768

0

5.000.000

10.000.000

15.000.000

20.000.000

25.000.000

30.000.000

35.000.000

2007 2008 2009 2010

Années

TO

TA

L S

AV

ING

S

0

10.000

20.000

30.000

40.000

50.000

60.000

70.000

80.000

AV

ER

AG

E S

AV

ING

S

GLOBAL SAVINGS IN FCFA

AVERAGE SAVINGS IN FCFA



Facts & Figures: Evolution of Credits of CMEC (2007–2010)

GLOBAL CREDIT TREND

50.000

80.000

100.000

125.000

0

10.000.000

20.000.000

30.000.000

40.000.000

50.000.000

60.000.000

2007 2008 2009 2010

YEARS

TO

TA

L C

RE

DIT

0

20.000

40.000

60.000

80.000

100.000

120.000

140.000

AV

ER

AG

E C

RE

DIT

GLOBAL CREDIT

AVERAGE CREDIT



Our WiM-IP Partners

TERRA@DIALOOG vzw

Established at:

Speelmansrei 22B-8000 Brugge (Belgium)

courriel: [email protected] Website : www.terradialoog.be

CAFIA - CMEC

Established at:

KAROUWE COPEB.P.13 Anié (Togo)

courriel : [email protected] Website : www.cafia.eu

World In Motion bvba

Established at:

Huffelplein 2 B2B-2990 Loenhout (Belgium)

courriel : [email protected] : www.worldinmotion.be





Domain 1 : Support with emblavure and the maintenance of groundnut 2ha (4 species)

1. Recipient/Grantee1 (Woman) : Mrs. KPIKI Bidom

2. Recipient/Grantee2 (Woman) : Mrs. AGBA Maman

3. Recipient/Grantee3 (Woman) : Mrs. ANANI Abra

4. Recipient/Grantee4 (Woman) : Mrs. KORGA Afoua

Domaine 2 : Support with the small animal breeding (2x2 even of porcine)

1. Recipient/Grantee5 (Woman) : Mrs. KAROUWE Elise

2. Recipient/Grantee6 (Man) : Mr. ANAWI Akeneso

Domain 3 : Support with the supply improved seeds (tomato, onion, green pepper and carrot) - 2 ha.

1. Recipient/Grantee7 (Man) : Mr. N'ZONOU Dieudonné

2. Recipient/Grantee8 (Man) : Mr. ATCHAM Yacoubou

3. Recipient/Grantee9 (Man) : Mr. ABELIA Paulin

4. Recipient/Grantee10 (Man) : Mr. NOYOULIWA Tchao

Note: WiM-IP 2008: 50% Women / 50 % Men Coach: Mr GNIGBANGOU Gountibote, Institeur à la Maternelle

WiM-IP – Grants 2008!



WiM-IP 2008 Funds: 1520 € or 1.000.000 F CFA

Support with emblavure and the maintenance of 1/2ha groundnut species 1




Support with the small animal breeding of 2 pairs of porcine – Race 1

Support with the small animal breeding of 2 pairs of porcine – Race 2

Support with the supply seeds improved of tomato(1/2 ha)

Support with the supply seeds improved of onion (1/2 ha)

Support with the supply improved seeds green pepper (1/2 ha)

Support with the supply improved seeds carrot (1/2 ha)

Project 1

Project 2

Project 3

Project 4

Project 5

Project 6

Project 7

Project 8

Project 9

Project 10

65.600

65.600

65.600

65.600

65.600

65.600

65.600

65.600

65.600

65.600

250.000

420.000

250.000

subtotal WiM-IP in F CFA

Subtotal WiM-IP in EURO

Wages for the Coach + 10 Affiliates to CAFIA

656.000,00

1.000,00

520,00

Page 28 January-08



Agenda

About us

Our Organization

Our Challenges


Our Next Steps



Roadmap for Self-Development and Sustainable Capacity Building

IGNITION – CAPACITY BUILDING

CAFIA I CAFIA II

SELF DEVELOPMENT

CDP=10xWiM-IP

QG

CMEC BSC2 BUDGETII

QG

CMEC Assessment

WiM-IP Programme

QG QG

CAFIA PMC

CMEC WiM-IP

QG

CMEC BSC1 BUDGET I

2007 2008 2009 2010 20122011

CMEC WiM-IP CMEC CDP

Quality Gate

DeliverablesQG

Ignition, Continuum/Perpetuum Development Process – make a difference!

CAFIA III

CMEC BSC3 BUDGETIII

QG



AwarenessInvolvement

Support

Sponsorship

Partnership

•Initiation

•Trial & Error

•Learning

•Grow Affiliates

•Research Grants

•Ignition Programs

•Partner’s Support

•Government Support

•Ignite VSE, SME

•Sponsor Local Initiatives

•Joint Partnerships

•Sustain Local Business

Phase One: 2007 Phase Two: 2008 Phase Three: 2009 Start : 2010 Continuum I: 2011

Self DevelopmentIgnition Program

Level ofEngagementCMEC/PARTNERSHIP

The Ignition Continuum – Self Development Path

•Grow Local VSE, SME

Thank you for your interest!

!Confidence in

a better future

www.cafia.eu

Documents

Support Centre for Education & Training on Self Development Initiatives C.A.F.I.A Presented by: Mr. Orphé Mézétou ADOM, MCSM First Counsel, Honor Member