׉?<ׁB! בCט  {u׉׉	 7cassandra://q6nC0A4RgDlyapZTIkTROY-sN5BqyCiQ70B83MJpQCs  `׉	 7cassandra://qNlElqzZRHaFqTWuw2twBp5DHO7Pv0gxB9v0L05HbUoUq`S׉	 7cassandra://0Mj4fEWv_XTgvASKZHnLWKWDTsJhX5xiJ-rn7kFyXDo ]`̵ ׉	 7cassandra://bMpIzBd7YTTElOgU-mDl-b5gu1qv7YmuqbUiuWmILf8͸͠XZ
3|n׈EXZ
3|n׉E Jspark
Cooperative Support
Programme (CSP)
Achievements and lessons learnt
׉	 7cassandra://0Mj4fEWv_XTgvASKZHnLWKWDTsJhX5xiJ-rn7kFyXDo ]`̵ XZ
3|nXZ
3|n{בCט   {u׉׉	 7cassandra://sRCC0ZbWi_Ncn1O4vADzW9yEImidGWyvLTN94iuAGt0 Ф`׉	 7cassandra://LgxC8OBgsqZjQ6IBGnqaND9nfxUrEiEfRIWaKUZp6Kẅ́`׉	 7cassandra://rREl1O3ZUKKRkootp5FoHhQUUpakpgJMV3TJ8_FreHc,`j ׉	 7cassandra://8IlC4m6H_5whagacVbSpFVMA40XAZR9zu534WchcA5Q MV͠	XZ
3|n׉E׉	 7cassandra://rREl1O3ZUKKRkootp5FoHhQUUpakpgJMV3TJ8_FreHc,`j XZ
3|n׉E	The Cooperative Support Programme (CSP) in Rwanda was made
possible with funding of the Netherlands Directorate-General
for Development Cooperation (DGIS)
The Cooperative Support Programme (CSP) in Rwanda was made
possible with support from the following partners:
XZ
3|nXZ
3|n{בCט   {u׉׉	 7cassandra://3hfnNB90X7yumCIEP-FANeIJLeGOwe_LVrVZVBPzC74 Q@`׉	 7cassandra://gSSjP0LDfh0mFsrT0feJVZ9QLz9xbHlr306zvD0uXP8w`׉	 7cassandra://v8_BOkxdsQqgvb3qVgcnA8BDnhiZvfGpbYNYQssgEos*`j ׉	 7cassandra://-d1pObNoQK15uYbtJqUJDRUpj2JH6avtH8ciN9bN3eA͠	XZ
3|n׉E׉	 7cassandra://v8_BOkxdsQqgvb3qVgcnA8BDnhiZvfGpbYNYQssgEos*`j XZ
3|n׉ETable of content
Chapter
• Opening remarks by The Netherlands Embassy in
Kigali
• Introduction to SPARK
• Introduction Cooperative Support Programme (CSP)
• CSP Funding and Partners
Component A
• Access to Markets and Entrepreneurship
• Access to Finance
• Cooperative Management
• Inclusive Leadership and Youth
Component B
• Agri Business Development Services (Agri BDS)
• Closing Remakrs
Page
8
12
14
19
22
28
34
40
44
50
XZ
3|nXZ
3|n{בCט   {u׉׉	 7cassandra://0CklWEPR9B62Ebu9Prpld4MONRDQfYN26xmQxSWwQKI `׉	 7cassandra://jiTtkPTsOBucCfs45HwrlnIKPt2n-TotNQmOFD8UfMYͼ:`׉	 7cassandra://mquUpc4Bp0TPX8GlOiHgyO4vWipYRR3cLvcAa3Z7Z3gAv`j ׉	 7cassandra://xih6nHQ7Q_ntxttsnY2kLLvMUVjlEz5u3NsxptXThPw 9n͠	XZ
3|n׉E׉	 7cassandra://mquUpc4Bp0TPX8GlOiHgyO4vWipYRR3cLvcAa3Z7Z3gAv`j XZ
3|n׉EWelcome!
The reason for making this booklet is to share our lessons learnt in a way that
helps all actors in strengthening the cooperatives of Rwanda.
If you are working in the agricultural sector in Rwanda, whether you’re an agri
business, a service provider, a trader or a processor, or a NGO, we would
love for you to share these videos and stories with other cooperatives and
their members to encourage them and give them confidence that they can also
become commercially viable cooperatives with clear benefits for it’s members.
Our lessons learnt provide vital insight into the agri business sector and we
highly encourage any policy and programme developers among the readers/
viewers of this booklet to use this information in order to draft policies and
(donor) programmes that match the local realities of all value chain actors.
Enjoy and get inspired!
Marthe Paauwe
Country Manager SPARK Rwanda
7
XZ
3|nXZ
3|n{בCט   {u׉׉	 7cassandra://KGsKiHF0uhZdo93Vo_5U8CwOB3YckxqSY6kmHOD8u-Y b`׉	 7cassandra://giYeCIBDAtxqXaCANZxXcNIz_w-kUtPSX2CNcyIrlhU͕%`׉	 7cassandra://cSnQiBk8Jfjcdqgx5S2GIxP_GcUv3MkHVoWcXBvG-Ds-`j ׉	 7cassandra://1MmPDkdKK_Nj3YFflvnICDQAxGlo5kTgswAb4J5tQxkYI͠	XZ
3|nנXZ
3|n ׁ9׉H <https://www.youtube.com/watch?v=3fhdbbZhbwg&feature=youtu.beGׁׁrנXZ
3|n {19׉H <https://www.youtube.com/watch?v=3fhdbbZhbwg&feature=youtu.beGׁׁrנXZ
3|n ~*9׉H <https://www.youtube.com/watch?v=kYT4NcclGM0&feature=youtu.beGׁׁrנXZ
3|n  9׉H <https://www.youtube.com/watch?v=3fhdbbZhbwg&feature=youtu.beGׁׁr׉E Video - introduction by Pieter Dorst
Head of Cooperation at the Netherlands Embassy in Rwanda
*Click on the image to play video
8
׉	 7cassandra://cSnQiBk8Jfjcdqgx5S2GIxP_GcUv3MkHVoWcXBvG-Ds-`j XZ
3|n׉E5Preface By Frederique de Man
Ambassador for the Netherlands in Rwanda
The promotion of inclusive and sustainable growth in the agricultural sector of Rwanda is
one of the objectives of the support provided by the embassy of the Netherlands. The aim is
to enhance Food Security and Nutrition in the country. A focus on good nutrition continues
to be important given the persistently high prevalence of stunting and malnutrition.
In the coming years we envisage the development of the horticulture value chain in which
we would like to involve Dutch businesses, knowledge institutes and farmer organizations.
Developing value chains will generate employment, income and added value, which is
essential to make farming attractive as a business for young and old, women and men.
Strong farmer organizations and cooperatives play an important role in this, like they have
done in many value chains in the Netherlands.
SPARK successfully implemented the Cooperative Support Program in the past years
which has resulted in almost 100 cooperatives that are stronger and growing, provide better
services to their members and are connected with markets and finance institutions. While
working with this large number of cooperatives and farmers SPARK did not lose in the
capacity building program the focus on the individual farmer. SPARK’s coaches delivered
an excellent job!
The Netherland’s embassy of the Netherlands would like to see in the coming years the
agriculture sector subscribe to enhanced farmer cooperation and private-sector-led
development. Thanks to the know-how, technology and access to markets, Dutch companies
can make a major contribution to an inclusive agricultural growth in Rwanda. Working
together in such a manner, a major achievement would be the eradication of stunting and
malnutrition in Rwanda in the next 5 years.
9
XZ
3|nXZ
3|n{בCט   {u׉׉	 7cassandra://MGouOQi4YeLycp-mrhQzettWjPFapCZurd6yxCcGyWY Qv`׉	 7cassandra://ihjTKPyVpRW7Qk_HIZiwoX6_CVQHD21gUZVIcsSHaUI|`׉	 7cassandra://ck9mqvr3oJEuJmqe5dx6YLXYUA8UrWO9aF5CP6dfeaA.`j ׉	 7cassandra://v2ceb8OPtQpCPrx-uxCGbrxXiBN7ATRTGuo5ZhJN6hw ͠	XZ
3|n׉E׉	 7cassandra://ck9mqvr3oJEuJmqe5dx6YLXYUA8UrWO9aF5CP6dfeaA.`j XZ
3|n׈EXZ
3|o XZ
3|n{בCט   {u׉׉	 7cassandra://DV_WTvdIo4-DEqmN0YfVX7UqN-69JRkSP5COE7e8iHQ =`׉	 7cassandra://Sz1Ygo4ne0B5rJ1KgBf1Br9MmoMU7aL-4ti515g3KLwͰ7`׉	 7cassandra://EytEnrmW0Iirxrz5rlY4_shYT_ydglWly4r76J8O0hk3e`j ׉	 7cassandra://5fXuhS_Vb1vFf4Y1BGOhTdX-NXe36MJ73Rr09_RKmPIxcV͠	XZ
3|oנXZ
3|o r̉̂V9׉Hhttp://spark-online.orgGׁׁr׉E spark
SPARK develops higher education and entrepreneurship
to empower young, ambitious people to lead their conflict
affected societies into prosperity.
12
׉	 7cassandra://EytEnrmW0Iirxrz5rlY4_shYT_ydglWly4r76J8O0hk3e`j XZ
3|o׉E	zHow We Work
Private sector development
SPARK offers a variety of business and entrepreneurship programmes around the
world. We believe that sustainable, economic growth is essential for the alleviation
of poverty. By offering private-sector development services young people in conflictaffected
regions, to improve their socio-economic status. In doing so, the potential for
further conflict is significantly reduced.
In terms of business development in fragile states, we are a full-service organisation.
We offer a range of options that enable local partner organisations to provide existing
SME’s and new entrepreneurs with all the tools they need to flourish. In the past decade,
SPARK has set up around ten Business Support Centres in the EU and Africa. Business
plan competitions are also often organised, and winners of these competitions receive
business skills trainings. Another of the tools we offer is value chain development and
access to finance. Finally, we work closely with various governments in fragile states
to improve conditions for entrepreneurs and job creators.
Access to higher education
SPARK is responding to the higher
education crisis for Syrian refugees and
vulnerable youth residing in
Turkey,
Lebanon, Jordan and Iraq/KRG. A lack
of opportunities can lead young adults
into poverty, radicalisation or to take the
dangerous journey to Europe. By offering
young people a chance to continue their
education in the region, an educated
workforce will be available to rebuild Syria
once the conflict is over.
Scholarships
necessary
are
for
offered for
rebuilding,
e.g.
courses
Civil
Engineering, Childhood Education and
Psychology.
In the MENA region, SPARK offers three
solutions; scholarship packages, language
& vocational trainings, and advocacy
13
Our scholarship packages allow vulnerable
young people, primarily Syrian refugees,
to access higher education in the region.
By partnering with local universities,
we ensure that successful applicants
are automatically offered a place at an
institution, without having to further apply.
The packages also offer student services,
including psychosocial support;
economic empowerment courses; and
leadership development. In addition to
these activities, smaller-scale vocational
and language courses are provided.
Finally, SPARK encourages hosting
governments
to
introduce
regulations for integrating refugees into
the educational system.
better
XZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://-oyPL2fd2xKU0h0JOHFqFGRi1ZkMafQYH3dQxzMxC2o  `׉	 7cassandra://MsWRIEv8Ne9aM7IMKJ_Jgd2o5RMFrWsTUzTmfNijxO0͝'`׉	 7cassandra://OE2FS5BCexNETmbXUtCLNpF8YeXulNZqy7_uPqycTbQ:<`j ׉	 7cassandra://0jxqvvoqd64ZV8uEdP66h1g6uDk2kCUhYgoOpyU5RCs ]͠	XZ
3|o׉E׉	 7cassandra://OE2FS5BCexNETmbXUtCLNpF8YeXulNZqy7_uPqycTbQ:<`j XZ
3|o׉E15
XZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://xXiaB_pN2ZP2THGQeaotLewwiVjyZ--iFpYP1UawxC0 :`׉	 7cassandra://gKVvRiqBjyN5R9Qf8p0bmjEjyPUdB7Cddt4JuDWhDyk͘`׉	 7cassandra://f8HDLVR2poHsUlPEqpYoUYfV6wE6GI7cUoWviTVkXK04x`j ׉	 7cassandra://J8DyXSkrcFwaUdzSUtM08bZ550iJUmBuh6up2M437Xoo$͠	XZ
3|o	נXZ
3|o :;9׉H <https://www.youtube.com/watch?v=R4pttxt8NKY&feature=youtu.beGׁׁr׉E Cooperative
Support Programme (CSP)
*Click on the image to play video
Project term
Jobs created
Volume of food
increase reaching
the market
Rwanda
16
% increase in
total value of
products
2013-2017
1834
27.70%
21.40 %
16
׉	 7cassandra://f8HDLVR2poHsUlPEqpYoUYfV6wE6GI7cUoWviTVkXK04x`j XZ
3|o
׉EhAbout CSP
The Cooperative Support Programme focuses on building the capacity of 100
cooperatives working in the value chains of maize, beans, Irish pota to and horticulture.
This four year programme, funded by the Dutch Embassy in Rwanda, started in May
2013. Through training and coaching the programme enhanced these cooperatives to
increase their farms rev enues.
The total budget for this programme in Rwanda was €2.1 million. SPARK has developed
in-depth training materials (Cooperative Management & Membership, Ac cess to Markets
& Entrepreneurship, Access to -internal and external- Finance) for cooperatives, has
a cadre of cooperative trainers and coaches who work closely with the cooperatives
themselves, and is supporting other or ganisations working on strengthening these
value chains and cooperatives.
Business Development Services (BDS) is the second component of CSP and specifically
focused on the agri-businesses and agri-cooperatives provided by high quality
certified agri BDS professionals that are the key to transform Rwanda’s agriculture
sector from sub sistence to a commercial viable sector.
Component A
Access to markets
Component B
Agri Business Development
Services (AGRI BDS)
Access to Finance
and Entrepreneurship
Cooperative Management
and Financial Literacy
Agri BDS Network
Agri BDS Competition
Agri BDS Course
Independent Agri BDS
providers
17
XZ
3|oXZ
3|o
{בCט   {u׉׉	 7cassandra://U4zbIq0U5GlEfxbL8WSXCuIR3FiUtd1hLGsboz9Rwig `׉	 7cassandra://F1lsQNWvAkpK3he0eJFH8kOWvOr2bWrYGu2tvDKKNwË́`׉	 7cassandra://wfwH0Hs2VS3qYtXvoLB0vwo9kaMsqazGzpMMP1Vqrgs/_`j ׉	 7cassandra://-v32lJDvHzLOR_D7ThTga0Vph7BUHvIjmEA9t7ckS_cͲ(͠	XZ
3|o׉E18
׉	 7cassandra://wfwH0Hs2VS3qYtXvoLB0vwo9kaMsqazGzpMMP1Vqrgs/_`j XZ
3|o׉EDCSP Funding and Partners
EKN: The Embassy of the Netherlands in Kigali has provided the funds for
the programme and monitored the implementation of the programme through
progress reports and programme key performances indicators. The Embassy was
closely involved in the development of both components was an active advisor
on the programme.
RICEM: Facilitated the Agri BDS capacity building trajectory through the agri
BDS training course, mentorship and accreditation
AgriProFocus: With a Networking mission and expertise, APF had facilitated
networking activities for the “Agri BDS Professional Network” (Mobilizations,
linkages, strategic and operations kick off support)
ICCO Terrafina Microfinance: With its rural financing expertise, ICCO Terrafina
Microfinance facilitated the access to finance capacity building trajectory and
linkages between cooperatives and micro finance institutions
Districts: Through joint action districts forums and district immigration offices,
districts have facilitated the local community mobilization activities,
and aligning CSP interventions with districts development plans
follow up
LINE MINISTRIES (MINICOM and MINAGRI): Overall follow up of the program and
aligning interventions with national strategic plans for agribusiness and rural
entrepreneurship sector development policies and strategies
19
XZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://ZlZkxju_kh7JtUSDziWXv0vphPd0sOZuR-0Xl4C2V-E a`׉	 7cassandra://9R4omOmGsdzh8lqsvWMTrOVhLUxfx023dOApXfPW72sW`׉	 7cassandra://mOtgikqmMl3f3Osd5euagVkBcv0xy1jHuabnk3AXfIo$`j ׉	 7cassandra://R983omTQQUX310bOCRmKrCw0DZ-Aujt7lETi_Z4upno͸͠	XZ
3|o׉E .Component A
Direct support to cooperatives
20
׉	 7cassandra://mOtgikqmMl3f3Osd5euagVkBcv0xy1jHuabnk3AXfIo$`j XZ
3|o׈EXZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://bWrK8EUjy7U4osSFSDQxWXIcu5gR_XhahmZ2qJrDH2g ;`׉	 7cassandra://F5NYN72_PgQRGssL7ECeJ8F787eN-JT43ROhyvdmz3k`׉	 7cassandra://k6fVBWxZ6gVSDlg52ERM72tXyu_hCzpxiJRI46QHxWE>`j ׉	 7cassandra://HSfkTQyYl6OYVTc9AvfML0R8H5hEH1rOsY05JkiIn4QͲ4͠	XZ
3|oנXZ
3|o A	^9׉H <https://www.youtube.com/watch?v=Z3dVYKJx3-g&feature=youtu.beGׁׁr׉E LAccess to Markets
and Entrepreneurship
*Click on the image to play video
22
׉	 7cassandra://k6fVBWxZ6gVSDlg52ERM72tXyu_hCzpxiJRI46QHxWE>`j XZ
3|o׉E	During CSP implementation, intensive agribusiness trainings, coaching and linkage
services to access markets and finance were provided to 99 agriculture cooperatives
enrolled in two different cohorts. These services were aimed at strengthening capacities
for the target cooperatives to make hem more professional and business competent with
maximum benefits to both the market and cooperative members.
A large majority of supported cooperatives were engaged in the production and distribution
of food products (Maize, Beans, Irish potatoes and horticulture items). The sector becomes
efficient when production and transaction costs are reduced and sustained relations
ensured with potential clients.
Cooperatives have received trainings on entrepreneurship and access to market (and
finance) and have gotten support in the areas of market information, quality management,
and contract negotiation management.
Market identification and risk assessment was identified as a key challenge within target
cooperatives. Coaching sessions helped cooperatives to put mechanisms in place to
identify different market options at the beginning of every agricultural season and select
the best one.
Through regular advisory services, SPARK coaches assisted cooperatives to establish
Product Regulations, which ensured that produced volumes and qualities meet market
demands and standards to honour supply contracts. This will help them understand the
quality they need to provide and build longer term, sustainable relations with buyers.
FARM-FIRM Tool
CSP was able to introduce a number of tools that connected different players in the
value chain. For access to finance, those were tools which connected cooperatives and
micro finance institutions and when it comes to markets, the Farm-Firm Tool played an
important role. The mutual understanding between the farm and the firm was key, as
does the titel suggest.
Agri/SPARK Coach
Cooperative
Facilitation of pre-planting
contract. These contracts
allow
farmers to
loan
money and invest in their
production
with minimum
risk; they know they will sell.
contract
negotiations &
understanding the
contract
Buyer
Facilitation
input
developing
(Processor/trader)
to
quality
(from cooperatives),
contracts and
train cooperatives on how
to meet the demand and
requirements of the buyer.
23
XZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://XdblNKhqtvDVfeijIKw6JJMVBuzcMCbfO6pOqvUL9P8 /j`׉	 7cassandra://cFA9zaRjvS-qFj7uYHVT0EOhgP9rQsH-jjOSohrrgeQͽy`׉	 7cassandra://cSafR9lamnINLUCyHAVH2ESZzt77uOu433Y7m6eKmWc<`j ׉	 7cassandra://G_gF11R_XlNcbcSMZaQmR782goYuXUGk80zhcErvZ7QÇ̎͠	XZ
3|o׉EFinding markets for seed potatoes
COAPOM is a potato seed cooperative
located in Cyanika sector, Burera District,
Northern province near the Ugandan
border. It started in 2009 and has 69
members. Like many newly created
organizations, it had some challenges
at the beginning and it struggled to find
access to markets.
COAPOM started working with SPARK
in 2013. After a number of training
sessions, the cooperative improved its
management. It has a storage facility that
can hold a great production. Members of
the cooperative felt more confident and
worked hard to increase production and
improve their revenues.
“Thanks to proximity coaching, we
manage to be connected to new markets
and increased our network of buyers”,
says Rosalie Dusabimana (photo), deputy
chairperson of COAPOM.
“We do produce between 30 and 50 tons
of potato seed per season and we no
longer have a problem of selling them”,
she adds. The cooperative managed to
get contracts from other cooperatives and
local NGOs.
Members of the cooperative are proud
of what they have learnt.”We are now
able
to
duplicate
what we learnt
to
newly created cooperatives”, said
Jeannette Dusengimana, a member of the
cooperative.
24
׉	 7cassandra://cSafR9lamnINLUCyHAVH2ESZzt77uOu433Y7m6eKmWc<`j XZ
3|o׉EResults in Access to Markets
and entrepreneurship
53 out of 99 assisted cooperatives have been linked to institutional buyers
41 out of 99 assisted cooperatives could negotiate and sign supply contracts
with foods sourcing companies
14% of the sourcing companies (maize processing companies) are piloting
a model to provide services to the cooperatives in order to sustain their
business relations and provide more business incentives to the cooperatives
2016
Lessons learnt:
institutional buyers have to consider cooperatives as business
partners. They should not be considered as beneficiaries of
projects, but should be considered as real business entities that
have bargaining power and have the mandate to help producers to
benefit from the economies of scale.
25
XZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://1jrbDNpCkn9juGPedZb3Eb72O21zQCu3uuSlUDmbqLc `׉	 7cassandra://TiFMAn2j5ymAkwReZHM4b1oTu1xo3LAZjavuZXuuLsYW`׉	 7cassandra://2IwilnVfumyAkNLvWQWiTiLl5QEtaVWByU2jOwJ3HvU$`j ׉	 7cassandra://EyJfZ6_-RQooCRz6ZFT9JI7midFUyX6Nbmrl03fKt2c͠	XZ
3|o׉E׉	 7cassandra://2IwilnVfumyAkNLvWQWiTiLl5QEtaVWByU2jOwJ3HvU$`j XZ
3|o׈EXZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://s_6xABy037USbGlQf3eOUuQRng9hnEZz_zBdz4zv7FI ;`׉	 7cassandra://NtCKwcaASO1odyfQQmhshQR-68c8XVHThqu3qk7lRDQͭ`׉	 7cassandra://dSVCC5uoq_UYu6_BuzB-ZdXATSF7788xAPYtWEOxs-s: `j ׉	 7cassandra://_kYLnVbUr2-MDoMtF6cdPBlEP2rvzKYx0HEbvoc0Dmo͠	XZ
3|oנXZ
3|o PсF9׉H <https://www.youtube.com/watch?v=N_X1z42R5b8&feature=youtu.beGׁׁr׉E 7Access to Finance
*Click on the image to play video
28
׉	 7cassandra://dSVCC5uoq_UYu6_BuzB-ZdXATSF7788xAPYtWEOxs-s: `j XZ
3|o׉E$The collaboration with ICCO-Terrafina Microfinance allowed CSP to tap into the
unparalleled expertise from ICCO-Terrafina, which has clearly resulted in a increased
thrust of Micro Finance Institutions (MFI’s) towards providing finance for the target
cooperatives. Some of the significant outputs from this collaboration include the
Cooperative Assessment and Management Matrix (CAM), which has become an essential
tool for assessing the capacity of cooperatives and identifying the key capacity building
needs to make them “finance ready”.
Micro Finance Institutes (MFI’s) received training of credit risk assessment to provide
loans in agriculture and to producer organizations. The agri-credit assessment tool, the
agri-reference card and Cooperative Assessment Matrix were introduced to get better
insights into lending to the agriculture sector. Support to MFI’s included; financial
product development/refinement. initial market research, product design, training of
staff, piloting new products and evaluation of pilots.
Cooperatives were trained on the cooperative assessment matrix to assess their own
bankability and allowing high-scoring organizations to access finance and receive loans.
The combination of appropriate guidance and training to cooperatives by the SPARK
team and the tailored risk assessment tools have resulted in improved repayment of
loans by cooperatives. MFI’s are interested to continue and expand their loan portfolio
for cooperatives. MFI’s received support to mainstream the new products in their
systems and manuals.
29
XZ
3|oXZ
3|o{בCט   {u׉׉	 7cassandra://UgZcc2gUw5TPz7sCA0_JNeDthWlch2q65P5a4DO4TTY `׉	 7cassandra://JkQtJjwVsvid3Vo9CrGSmcFvp-UdMSw80KQewPKWt0M `׉	 7cassandra://3OPexsjVYdBIb5OWH7Yr5zV8OC6s1J569qAW0HAaodAV`j ׉	 7cassandra://TzmEfgFaUrtXlx-vs_LJ_EkKawTE9Rm1BTZQ_FfUF28 ͠	XZ
3|o ׉EMicro Finance meets Agri Business
DUTERIMBERE is one of the Micro Finance
Institutions that worked closely with CSP
in order to facilitate cooperatives in need
of access to finance.
Agricultural loans were not usual business
of this MFI. CSP initated the first step to
connect them with cooperatives. It was not
easy for the institution to understand the
concept of an agriculture value chain.
DUTERIMBERE had to find ways to assess
the cooperatives before engaging into a
business relation with them. CSP, with
the support of TERRAFINA,
specific tools, like the cooperative
assessment matrix, which allowed them to
analyze accordingly.
At the end of the process, cooperatives
which met the required criteria got a loan.
“Generally speaking, cooperatives which
got a loan are paying back, and we are so
far satisfied with them’ said Ndatebe, a
credit officer at the Kayonza branch of the
MFI DUTERIMBERE.“
“For example, there is a cooperative that
got a loan of RwF 8 million and will soon
finish to pay back everything. We are ready
to consider granting them another loan if
they wish so”, he added.
introduced
“It is still a risky sector. What we are
discussing with them is how the risk can
be mitigated”, says Ndatebe.
30
׉	 7cassandra://3OPexsjVYdBIb5OWH7Yr5zV8OC6s1J569qAW0HAaodAV`j XZ
3|o!׉EResults in Access to Finance
Number of cooperatives and/or (starting/growing)
agri-businesses provided with financial services
Number of targeted cooperatives that access
commercial loans for the first time
Tools and Financial products developed
Payback rate for cooperatives accessed loans
for the first time
108
31
4
100%
All mature cooperatives accessed finance and the remaining cooperatives got follow up
assistance to access finance in the future.
The credit assessment tools; such as the Cooperative Assessment Matrix (CAM) tool for
assessing cooperatives and the Agri-Credit Assessment Tool for agri-loans were well
received and the MFIs are interested to mainstream this product.
Cooperatives are interested in a variety of new loan products ranging from solidarity
groups through cooperatives, agri-investment loans for members, marketing loans and
leasing products. This would call for product development beyond the scope of the
programme.
31
XZ
3|o"XZ
3|o!{בCט   {u׉׉	 7cassandra://ack09U30lDue5mj89N7Fer2wqLWvvRA7F5osa4tYIlg `׉	 7cassandra://dkNJ8uSTW0Mz16GlU-eKxNoa04mL-2ADKMjtpgvam3k͇`׉	 7cassandra://LFya_H-fpAldFl6NCTTfz1V5sRtI3fi7S3bMw9PhQIE2G`j ׉	 7cassandra://NxPDEeqmRNGhmEgfCCcDACijfX2Wfa0nBjPVNyKukY0 Np͠	XZ
3|o#׉E׉	 7cassandra://LFya_H-fpAldFl6NCTTfz1V5sRtI3fi7S3bMw9PhQIE2G`j XZ
3|o$׈EXZ
3|o%XZ
3|o${בCט   {u׉׉	 7cassandra://gLGq6MZZZtaOffH0_4LAfyLLU5_gVeoi4H3hNmiwU0c p`׉	 7cassandra://iAY9NrfxTx_XFy05aYlP8bhWfae27M5xD4cj0foqNFsͷA`׉	 7cassandra://-ocoAlT19NVao0Wef5hvmbDYNcgx5-vwDOy99PV16y4>`j ׉	 7cassandra://oT8aiRUPuCWQT6wB4WpKeMn9VFWIFi5SMkj5G2Rj8lc (͠	XZ
3|o'נXZ
3|o& P F9׉H <https://www.youtube.com/watch?v=s5yqjYX76ms&feature=youtu.beGׁׁr׉E SCooperative Management
and Financial Literacy
*Click on the image to play video
34
׉	 7cassandra://-ocoAlT19NVao0Wef5hvmbDYNcgx5-vwDOy99PV16y4>`j XZ
3|o(׉ECooperatives in the CSP programme lacked systems for regular planning, monitoring and
evaluation, except for basic, manual book-keeping. In fact, the majority of cooperatives did
not optimally adhere to the basic provisions related to financial planning, management and
control. They have challenges to prepare budgets to govern their spending. Furthermore,
few cooperatives among them prepare regular financial reports and many of them do not
have audited financial statements for the preceding year.
With the help of SPARK coaches, cooperatives were able to install or reinstate committees,
which alowed control mechanisms that resulted in fair elections and investments. These
committees allowed for trust to be (re)built and evaluate who is best in which position within
the cooperative.
Cooperatives were also assisted in developing membership strategies during the Cooperative
Support Programme. What is a good incentive to become a member, or may be even more
important; to stay one? These strategies will enable cooperatives to stay vibrant and
successful long after the programme.
Other Strategies that were looked at was how cooperatives could make a socio economic
impact for their members. Many cooperatives now offer small loans to help members with
emergencies and school fees if needed.
Proximity coaching played a big role in the success of improving cooperative management.
With coaches on ground, with knowledge of the local realities, guidance could go beyond the
scope of a series of trainings and make a real sustainable impact.
35
XZ
3|o)XZ
3|o({בCט   {u׉׉	 7cassandra://PywPyKpVslGc7LUHmAoYyii68hMhgeHCvZRV1De0BY8 ֹ`׉	 7cassandra://ZxZz9if9JYF_NF5GrEXZobU-8aB0TBaSl6ap3bEYpnQͬ`׉	 7cassandra://jhTlgkeutJFiQErdFoyy578zFJjTJ7aYbR1eVOE6tE87`j ׉	 7cassandra://QYxPAmdBijwnW5uMByKws7OhXPBXfW6C68f1sClcL_ẁ͠	XZ
3|o+נXZ
3|o* ̿h9׉H <https://www.youtube.com/watch?v=kPDZS0k_cak&feature=youtu.beGׁׁr׉E^New doors open for cooperative
COAMA is a maize cooperative located in
Rugarama sector, Gatsibo District, Eastern
province. It started in 2007 and has 125
members (75 men and 50 women).
It faced many financial and managerial
challenges during the first years of
its existence. It experienced cases of
mismanagement and there is one former
chairman who is
embezzlement.
being
prosecuted for
When SPARK started its support in 2015,
many members had left and the cooperative
was about to close its doors.
With dynamic proximity coaching of CSP
coach Francis Shyaka, confidence among
members returned. Today, the cooperative is
back on track. Members who left are coming
back, and the management committee is
trusted.
“We really appreciate how SPARK advised
us and helped to build confidence in the
cooperative”, says Jean-Bosco Simbavura,
chairman of the cooperative.
CSP helped in with matters of production
and assisted in establishing connections
with various buyers.
“We also appreciate advocacy actions
SPARK carried out in order to connect us
to Micro Finance Institutions and to local
authorities”, says Jean Bosco.
“This contributed to a new image of our
cooperative”, he adds.
Jacqueline Muteteteri, a member of the
cooperative, appreciates the progress so far
achieved. She adds that being a member of
the cooperative is profitable. She personally
got small loans that helped her to cover some
emergencies. And she knows she is not the
only one. She acquired skills, increased
production and bought a piece of land.
When the CSP program closes down, the
cooperative is set to continue to work in
capitalizing past experiences. “We do still
need advice, but we are able to continue the
good job already done”, Jean Bosco said.
“Another challenge is to integrate more young
people in the future, as the current members
are often older people”, he concluded.
36
׉	 7cassandra://jhTlgkeutJFiQErdFoyy578zFJjTJ7aYbR1eVOE6tE87`j XZ
3|o,׉E#*Click on the image to play video
Results in Cooperative Management
Number of cooperatives’ staff/
members provided with general
management
&
organisation
training & coaching Rwanda
1674
Increase in number of
cooperatives supplying new
products and/or services in
selected districts
20
37
XZ
3|o-XZ
3|o,{בCט   {u׉׉	 7cassandra://yVSJNkOnfpcQDOrmxAsIur7XmSFtM9cj0JVvR1pOjx4 `׉	 7cassandra://LmgWc_szNex2gPkMWHsxY1cmbVKlQXksaaXDWXqQeNE͆`׉	 7cassandra://_c1KdTERjVep_H1mDkQV-iQYMHfVSi3e_78YxfCOjhc4`j ׉	 7cassandra://7EolgnN9m-Ftza9MgWyUDcnpqbAm9T5hxrsv75yIKFc @{͠	XZ
3|o.׉E׉	 7cassandra://_c1KdTERjVep_H1mDkQV-iQYMHfVSi3e_78YxfCOjhc4`j XZ
3|o/׈EXZ
3|o0XZ
3|o/{בCט   {u׉׉	 7cassandra://TzRmvIicgtRyInBysm9I9NnYrltuFxdEAdR3wjditsg 'u`׉	 7cassandra://bNRi33qzXA_vCJLJQx8aI2AjhgkO0HJHA9ToTbDMPdAͼ`׉	 7cassandra://_O8p6PCT5uw6THWaIm2GvCmuaqA6GLmamH_gvL93_zE<`j ׉	 7cassandra://_n4vwSkzEpeOCbDOIh-s4RbcbJ8oGDUxLoMLkOlt84Mͽ ͠	XZ
3|o2נXZ
3|o1 PQF9׉H <https://www.youtube.com/watch?v=KFobBxzVEmU&feature=youtu.beGׁׁr׉E DInclusive leadership and
youth
*Click on the image to play video
40
׉	 7cassandra://_O8p6PCT5uw6THWaIm2GvCmuaqA6GLmamH_gvL93_zE<`j XZ
3|o3׉E	Youth discovering agriculture and
entrepreneurship with CSP
Most cooperatives supported by the
Cooperative Support Programme have
young members. However, in some
cooperatives, one may find quite a high
number of young people, while in others
just a few.
Young members often have specific
ambitions and are more interested in Agribusiness
than in production. According to
the fourth population and housing census
in 2012, youth in Rwanda constituted 40% of
the resident population in 2012, totaling 4.1
million. Looking at a challenging job market,
entering the agriculture, and specifically the
agri business sector can be more promising
than youth might initially think.
Pacifique Mukandayisenga is a young girl
from cooperative COPROZOV in Burera
District, Northern province. She joined the
cooperative in 2008. She witnessed all the
changes that occurred in the cooperative.
At some point, challenges were so hard that
many members were demotivated. But she
kept at it, hoping that things would change
positively.
She is an unmarried mother and has one
child. She had to struggle in order to have
means to bring up her child.
“Being a member of the cooperative helped
me very much. I got support from my fellow
members and I could get small loans when I
was in need”, she said.
Another positive thing she learnt is the
entrepreneurial spirit. In addition to
activities within COPROZOV, Pacifique is
now a dressmaker. She is able to make a
living now.
Being a member of the cooperative was also
an opportunity for her to discuss with other
young people on how to join efforts for the
cooperative and at the same time starting
small businesses for themselves, so that
they can be independent financially.
Firmin Dukuzumuremyi is a young man from
cooperative COAPOM in Burera District,
Northern province. From the knowledge
he got from training sessions organized by
CSP, he learnt a lot things.
“I have now self confidence because I learnt
things that can help me in my life”, he said.
“I know for example that saving is very
important. This helped me to acquire a motor
bike and I am currently running a business
of a motor bike taxi driver” he added.
Firmin explains that young people in
the cooperative are helping so that the
organization can increase production and
get more revenues. They often discuss
amongst youth how they can improve their
revenues, while continuing and be a full
member of the cooperative.
41
XZ
3|o4XZ
3|o3{בCט   {u׉׉	 7cassandra://sLi7zKeXW_zbsnyrAY3_K3-58nGxWd-mopiMMXFxdzQ g`׉	 7cassandra://uF_-4VNWUPzPiYu6WHFnyiE2Kop8wWUIhTItvAS_ffsx`׉	 7cassandra://fSKfUBW8PN2IoxUqIi68qb1EZuiDLUhmfNODrwXMMQE1`j ׉	 7cassandra://cGabPiRE_UZrxIwr87Wj76UessT1FwwoSPunOZuodRA !͠	XZ
3|o5׉E42
׉	 7cassandra://fSKfUBW8PN2IoxUqIi68qb1EZuiDLUhmfNODrwXMMQE1`j XZ
3|o6׉E >Component B
Development of Agri Business Development Services
XZ
3|o7XZ
3|o6{בCט   {u׉׉	 7cassandra://3Cpa--4qBBN3K_8GRwYUNjjDXQJfGf5y1IJnIZ9VnVs D`׉	 7cassandra://wPxTqZ0T5BXPmKWEnp0DH0TOUqYrIyzLLCTXKQPKmTAͮ `׉	 7cassandra://uVSbUVO5bObKuIKNGjiWoOQp_TRKkYPMVNEq7sd9H1M9`j ׉	 7cassandra://NfTH7MJperu-qo21p8G8UpKnVRyMW68G5z_PhOCPWggr ͠	XZ
3|o:נXZ
3|o8 Hxhہ9׉H <https://www.youtube.com/watch?v=intG2C4B5j4&feature=youtu.beGׁׁrנXZ
3|o9 &F=9׉H +https://www.youtube.com/watch?v=AqsHOmKzw3YGׁׁr׉E SAgri Business
Development Services
(Agri BDS)
*Click on the image to play video
44
׉	 7cassandra://uVSbUVO5bObKuIKNGjiWoOQp_TRKkYPMVNEq7sd9H1M9`j XZ
3|o;׉EAgri BDS is a natural answer to a need that became clear as the Cooperative Support
Programme developed over the years. The success of proximity coaching and the demand
that coaches were clearly responding to, needed to become sustainable and survive the
length of the programme.
CSP worked, with partners, towards establishing a viable network of cooperative supporters
that offer Agri Business Development Services (Agri BDS) to cooperatives and other Agri
SMEs. The capacity building trajectory is considered vital in helping the cooperatives utilize
the BDS skills to strengthen the cooperative business and take advantage of emerging
opportunities. This component is considered to be SPARK’s anchor for the sustainability
of the overall CSP achievements.
The objective was to create and enhance the capacity of (Agri) business development
organizations, professionals, individuals, agencies and other organizations (interested in)
providing support to cooperatives and Agri SMEs. RICEM, a public private Institution, which
has the mandate to promote cooperatives management and related services in Rwanda,
partnered with SPARK to build this capacity. Today, 33 participants have been trained and
now consider themselves independent agri BDS providers. Just as CSP is closing, RICEM
obtained accreditation for the course and will continue to offer agri BDS course in the
future.
CSP also focused on creating an enabling environment and strengthening its capacity
to coordinate, promote standards in BDS delivery and harmonize the activities of Agri BDS
providers. This effort turned into the Agri BDS network, which is coordinated through a
partnership with AgriProfocus (APF).
*Click on the image to play video
45
XZ
3|o<XZ
3|o;{בCט   {u׉׉	 7cassandra://VwKlzwkDeVN_agllt8xD47ExEe6fWuSg7NMqUdrdEOY 6`׉	 7cassandra://V2l26Y4spuF_27kfVIr-vlm1-F30vrwyg7yd8kWgiEM͵`׉	 7cassandra://Z7fxcko27-BD0tslwaEvw20kymwy2WC_vHGrsxAMs6g<`j ׉	 7cassandra://iJ6W5D0tPzVXIRXwt0h2IQSMl79cTrPcbHI9sYQCA1w ̊͠	XZ
3|o=׉E:From Coaching to Agri BDS
Francis Shyaka (photo below) is one
of the 12 former coaches employed by
CSP. He was in charge of cooperatives
in Gatsibo District and in neighboring
districts. He was the one who followed
COAMA cooperative and helped it back
on its feet. Thanks to his dynamism, he
managed to bring back confidence and
trust in a struggling organization.
He has been trained by CSP to become
an Agri BDS provider. He is currently still
working for SPARK, but he hopes that
his past performance will help him gain
access to cooperatives that will accept to
pay for his services.
Besides the classical training sessions on
cooperative and financial management, he
convened many meetings with members
and tried to convince them that they had a
great potential of doing well if they could
accept to meet again and discuss.
His strategy was to carry out discussions
in small groups of 4 or 5 persons and
showed them how it was possible to learn
lessons from the past and build something
new. Thanks to his patience, he managed
to bring little by little confidence, and the
cooperative started again.
COAMA has currently a production of
about 500 tons.
“My dream is to see it in few years having
a production of 2,000 tons and why not
3,000 tons that is stored according to
high standards and that has a market”, he
concluded.
46
׉	 7cassandra://Z7fxcko27-BD0tslwaEvw20kymwy2WC_vHGrsxAMs6g<`j XZ
3|o>׉E Results in Agri BDS
Spark Coaches who became Agri BDS Providers: 11
Certified Agri BDS Providers: 33
Number of Members of Agri BDS Network: 42
Cooperatives and other value chain profit actors (such as buyers) pay for services
47
XZ
3|o?XZ
3|o>{בCט   {u׉׉	 7cassandra://4LlA3PrBvrZUfif7T383nGQ2Lw-gHIa3PUDJ2UAUBBk V`׉	 7cassandra://4eC7FAjbspXR3qCDDhcW8M6OJ8vup4X6CQ3IZsSkJ9ḱ`׉	 7cassandra://0Kn6l7gjselxRxMjnsLVyfpPk5yLmVauMboBFlTFJJU5\`j ׉	 7cassandra://moMhumUNIbAkeqqhiTuK7mVxskN8RaKeIuKeRK7Fbd4 &͠	XZ
3|o@׉E׉	 7cassandra://0Kn6l7gjselxRxMjnsLVyfpPk5yLmVauMboBFlTFJJU5\`j XZ
3|oA׈EXZ
3|oBXZ
3|oA{בCט   {u׉׉	 7cassandra://G8bhyssIElB4FXWGq_A26dAFBm8T12sRaJIxBnksR5A `׉	 7cassandra://kngJ6uHocRDaW3JdVzZpEMWgkrmcIfEfKHwXTKmaIcI`׉	 7cassandra://VsmJfFoGccoy5fO4019gaPw5LmJjv8WaWSdnDh-FkxQA`j ׉	 7cassandra://CAEvF7irsnSI2tb-UPzF42hPEcevxsujUKSSg1xFjI8\͠	XZ
3|oC׉EClosing remarks
The Cooperative Support Programme (CSP) followed in the slipstream of SPARK’s
entrepreneurship development activities, started in 2011. This initial, 5-year Enterprise
Development programme allowed us to establish an important network of Business
Development Service (BDS) providers, financial institutions, universities, vocational
schools and government agencies and increased our understanding of markets and
business opportunities in Rwanda. CSP has benefited significantly from these activities,
networks and lessons learned. Now we have reached the end of the program, it is safe to
say that in many ways CSP has become unique in its approach.
Oscar Nzayirambaho, one of the coaches of SPARK-CSP stated; “when CSP began, many of
our cooperatives were commercially less developed than those outside of the programme.
However, if you visit the cooperatives now you will see that they are so entrepreneurial, so
business orientated! This is the impact of our work.”
Oscar’s statement shows why CSP has been effective: donor funding has been used for
a market-driven approach, which permeated all activities at different levels. It has helped
cooperatives to strengthen their competencies meet market demands, thereby becoming
viable enterprises that have created over 667 sustainable jobs in agri-production and
business. Quality and quantity of the produce has significantly improved and thereby made
an important contribution to the availability of nutritious raw and processed food products.
The essence of the programme’s market-driven approach is also visible at the level of
the coaches that played a key role in achieving the above results. We are proud of Oscar,
and we are proud that the programme has been able to empower him to become a coach
and cooperative-consultant with a genuine interest to address problems and opportunities
cooperatives find on their way, rather than just prefab training programmes. Many of the
CSP coaches have grown into independent and now commercially operating consultants,
playing their roles in a business-enabling ecosystem in Rwanda’s agricultural sector.
CSP set itself apart by facilitating change within a great variety of cooperatives. Not just
the organized and successful cooperatives were selected to be part of the programme, also
those on the verge of collapsing got a fair shot at success.
SPARK believes strongly in proximity coaching; where a coach who knows the area gets to
work side-by-side, long-term, with cooperatives to find local solutions for local problems.
This means that we get to provide a lot more guidance than just during training sessions and
this is exactly what poor performing cooperatives need. Rebuilding trust and solidarity, and
creating an entrepreneurial mind-set within a cooperative takes time and understanding;
something which we had thanks to our approach. It has been great to see cooperatives
attracting members again and even being able to access financing to invest further!
SPARK’s challenge remains in mobilising support for cooperatives, agribusiness as well
as business support and financial services to help them grow and generate employment
and income for young women and men in urban and rural areas of Rwanda.
50
׉	 7cassandra://VsmJfFoGccoy5fO4019gaPw5LmJjv8WaWSdnDh-FkxQA`j XZ
3|oD׉ECSP was funded by the Netherlands Embassy in Rwanda with whom we share a strong
believe in the feasibility of a robust agri business sector in Rwanda.
ICCO-Terrafina was vital in improving the relationships between Micro Finance Institutions
and cooperatives. Finding tools that could reduce risk and at the same time illustrate the
potential of the agriculture sector was a challenge, but with their expertise we’ve managed
to put the sector on the map.
RICEM was our partner in developing the Agri Business Development Course and we
couldn’t be more excited about the success of the training and the recent news that RICEM
got accreditation for the course; ensuring a sustainable impact and a growing pool of
talent in the coming years!
Thanks to our partnership with Agri Pro Focus, a Agri BDS network came to life. This
network does not just bring like-minded professionals together. The network is a marketing
tool that allows Agri BDS providers to respond to tenders and other requests in the sector
as a team, offering an answer to specific needs. We are looking forward to see the network
and their workload grow.
Our ambition is to share this experience and knowledge as indispensable and reusable
capital with other stakeholders – and we hope this booklet is part of the proof of that, and
in our continued mission in Rwanda and in other countries facing similar challenges.
We hope you’ve enjoyed reading
and watching, and find inspiration
for your own important work!
Michel Richter
Co-Director SPARK.
51
XZ
3|oEXZ
3|oD{בCט   {u׉׉	 7cassandra://tqZRxe-Y2morjcZfWHQqBgAUN8YiGn3HjJAzy-uZjtM C`׉	 7cassandra://KH95k0TuZCFJ8xci4zIBOGhdnvAS6yGAnYFkosxndvc(\`S׉	 7cassandra://EboRylxMbiX6JkxXFoaIvs16O6cTnDhjxkHw8ksjt0k@`̵ ׉	 7cassandra://CnF49GrGODsMrmz1eAF1aO6bSbdmbA22R0F_4ZE6yB8D͠XZ
3|oGנXZ
3|oF nāE9׉Hhttp://www.spark-online.orgGׁׁr׉E$The Cooperative Support Programme (CSP) in Rwanda was made
possible with funding of the Netherlands Directorate-General
for Development Cooperation (DGIS)
The Cooperative Support Programme (CSP) in Rwanda was made
possible with support from the following partners:
spark
www.spark-online.org
׉	 7cassandra://EboRylxMbiX6JkxXFoaIvs16O6cTnDhjxkHw8ksjt0k@`̵ XZ
3|oH׈EXZ
3|oIXZ
3|oH{,ׁ2ׁ> ׁ3\ -c   +SPARK - Cooperative Support Programme (CSP) !Achievements and lessons learnt. XYjNV