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91 Avenida Norte No.707, Colonia Escalon, San Salvador. TEL: (503) 264-2009 e-mail: crectech(aJejje.com

. RURAL EQUITABLE ECONOMIC GROWTH ACTIVITY

Contract No. S19-C-OO-94-001S4-00

Quarterly Performance Report QII-99

Submitted to:

United States Agency for International Development (USAID)

by:

Chemonics International Inc.

with

Instituto Interamericano de Cooperacion para la Agricultura (IICA) National Cooperative Business Association (NCBA)

World Council of Credit Unions (WOCCU)

July 1999

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QUARTERLY PERFORMANCE REPORT Qll-99

July 1999

Rural Equitable Economic Growth Activity Contract No. 5l9-C-00-94-00l54-00

u.s. Agency for International Development Washington, D.C.

~ This work was supported by the U.S. Agency for International Development, through contract number 5l9-C-00-94-00l54-00, the prime contraCtor for which is Chemonics International

Inc., 113320th Street, Washington, D.C. 20036; Tel. (202) 955-3300.

"

TABLE OF CONTENTS

ACRONYMS

SECTION I RESULTS ACHIEVED DURING SECOND QUARTER, 1999 Background A. Rural Enterprises Component ' B. Rural Financial Enterprises C. Sectoral Policy Support

SECTION II PROJECT HIGHLIGHTS/NOTABLE ACTIVITIES DURING SECOND

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QUARTER, 1999 II-I A. Rural Enterprise Component II-I B. Rural Financial Enterprise Component II-9 C. Policy Component II-IO

SECTION III ADMINISTRATIVE INFORMATION III-I

SECTION IV COUNTERPART CONTRIBUTION

ANNEXA ANNEXB ANNEXC ANNEXD ANNEXE ANNEXF

GENERAL ACTIVITIES CONSULTANTS FIELD TRIPS AND VISITS TRAINING EVENTS INDICATORS ORGANIZATIONS ASSISTED BY AND RELATED CRECER

A-I B-1 C-I D-I E-I F-I

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ACACU

ACAYCCOMAC

ACACYPAC

ACECENTA

ACEC

ACODJAR

ACOPADES

ADECPRO

APROAGRO

ASID

BFA

BOLPROES .. CAMAGRO

CENTA

ill CLUSA

, CODEUSMI

" COMUS

CONFENACOA

ACRONYMS

Asociacion Cooperativa de Ahorro y Credito Comunal de La Union (Credit Union)

Asociacion Cooperativa de Ahorro y Credito de los Empleados de Salud de Occidente (Credit Union)

Asociacion Cooperativa de Ahorro y Credito Comunal de Nueva Concepcion (Credit Union)

Asociacion Cooperativa de Ahorro y Credito de los Empleados de CENT A (Credit Union)

CRECER Artisans Cooperative

Asociacion Cooperativa de Ahorro y Credito " Dr. J~A. Ruiz" (Credit Union)

Asociacion Cooperativa de Paneleros de EI Salvador (Honey Producers Cooperative)

Asociaci6n de Desarrollo Comunal El Progreso (Association of communal Development)

Society of Agropecuarian Producers of Suchitoto

Salvadoran Association for Integration and Development

Banco de Fomento Agropecuario (Agricultural Development Bank)

Bolsa de Productos Agropecuarios de El Salvador (Agricultural Commodity Exchange)

Agricultural and Agroindustry Chamber

Centro Nacional de Tecnologia Agropecuaria (National Center for Agricultural Technology)

Cooperative League of the United States of America

Comunidades para el Desarrollo (Communities for Development)

Comunidades Unidas de Usulutdn (United Communities of Usulumn)

Confederacion Nacional de Cooperativas Agropecuarias (National Confederation of Agropecuarian Cooperatives)

CONSALCOOP

CORDES

CRECER .. CRS

..- DAA

FAO

FEDECACES

• FENACOAC

FIDA-PRODAP

IlCA

• INSAFOCOOP

,. M&E

MAG

J

~ NARE

NCBA

NGO

OAPA

PERLAS

Conjederaci6n Salvadorena de Cooperativas (Salvadoran Confederation of Cooperatives)

El Salvador's Foundation for Communal Cooperation and Development

Rural Equitable Economic Growth activity

Catholic Relief Services

Departamento de Asociaciones Agropecuarias (Agropecuarian Associations Department)

Food and Agricultural Organization

Federaci6n de Cooperativas de Ahorro y Credito de EI Salvador (Federation of Savings and Loans Cooperatives of El Salvador)

Federaci6n Nacional de Cooperativas de Ahorro y Credito de Guatemala (Federation of Savings and Loans Cooperatives of Guatemala)

Investment Fund for Agricultural Development

Instituto Interamericano de Cooperacion para la Agricultura (InterAmerican Institute of Cooperation for Agriculture)

Instituto Salvadorefio de Fomento Cooperativo (Salvadoran Institute for Cooperatives Affiliation)

Monitoring and Evaluation

Ministerio de Agricultura y Ganaderfa (Ministry of Agriculture and Livestock)

Non-Agricultural Rural Enterprises

National Cooperative Business Association

Non-governmental organization

Oficina de Aruilisis de Politicas Agropecuarias (Agricultural Policy Analysis Office)

Protecci6n, Estructura jinanciera, Rendimientos y costos, Liquidez, Activos improductivos, Senales expansivas (Initials for financial indicators: Protection, Financial Structure, Performance and Costs, Liquidity, Improductive Assets, Expansive Signals)

L

PREXA

RDC

RAE

SAC

SCPM

SES

SO 1

SOCOPU

UCRAPROBEX

UPREX

USAID

WOCCU

Procesadora y Exportadora de Ajonjoli (Sesame Seed Refiner and Exporter)

Rural Development Committee

Rural Agricultural Enterprises Team

Sociedad de Anesanos de CRECER (Society of Artisans)

Sociedad Cooperativa Productos de Maraii6n (Cashew Products Cooperative)

Sistema EconOmico-Social (Socio-Economic System)

Strategic Objective 1

Society of Producer Cooperatives of Usulutan

Union de Cooperativas de la Reforma Agraria Productoras, Benejiciadoras y Exponadoras (Agrarian Reform Cooperatives Union of Producers, Millers, and Exporters)

Union de Productores y Exponadores (Producers and Exporters Union)

United States Agency for International Development

World Council of Credit Unions

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SECTION I RESULTS ACHIEVED DURING SECOND QUARTER, 1999

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SECTION I RESULTS ACHIEVED DURING SECOND QUARTER, 1999

Contractor: Contract: Reporting period:

Background

Chemonics International 519-C-OO-94-00 154-00 April 1, 1999 - June 30, 1999

The technical assistance contract under the Rural Equitable Economic Growth project (CRECER) (Contract No. 519-C-OO-94-00154-(0) began on September 29, 1995. The contract is being implemented by a consortium led by Chemonics International Inc., which includes the National Cooperative Business Association (NCBA), the World Council of Credit Unions (WOCCU), and the Inter-American Institute for Cooperation in Agriculture (IICA). The CRECER team activities focus on strengthening rural enterprises, specifically, their employees and management. Active participation by clients, practical application of methodologies, constant supervision and backstopping, and treating clients with professional dignity all have become the foundation of the CRECER team.

The Strategic Objective Number 1 (SO 1), calls for expanded access and economic opportunity for rural families in poverty. The overall result expected is "expanded equitable access to financial, technological and marketing services by the rural poor, " to be carried out by "increased coverage of sustainable secondary organizations providing technology and marketing services" and "increased coverage of sustainable financial institutions in rural areas." A necessary corollary to this result is the modernization of the state through re-organization and simplification of government institutions and the promotion of a sound market-oriented macroeconomic policy regime. Of equal importance is the need for the government to coordinate and implement a national rural development and/or poverty reduction strategy.

The goal of the CRECER activity is to promote a more equitable distribution of economic development initiatives and to provide access to resources that benefit rural areas. TIris, in turn, contributes to the reduction of rural poverty. CRECER provides targeted assistance to rural enterprises (financial, agricultural, and non-agricultural) to make them profitable, competitive. and sustainable. These rural enterprises, in turn, provide targeted, cost-effective, and sustainable financial, technological, and marketing services to the rural poor.

1bis report summarizes CRECER' s progress to date on the End of Project Outputs as listed in the contract. It also summarizes CRECER's contribution to achieving the results set forward within USAID/EI Salvador's Results package. Results are summarized for each of the project components (rural enterprises, rural financial enterprises and policy). First,progress is shown vis a vis the end of project outputs according to the contract, then CRECER' s contribution to the Mission's Results Package are shown according to high, intermediate and base-level result.

•

Highlights from the past quarter include the following:

The strategic planning process with DAA has been very successful. In the recent MAGwide meetings with new administration, the DAA was the ouly office to have and present a well thought out five year strategy.

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CRECER Oualterly Performance Repolt 011-99

• Two micro enterprise consultants conducted a woodworking workshop, placed orders for samples of wood and ceramics products to be presented during an upcoming furniture show in the United States. New CRECER supported stores were opened: one in I1obasco with MOlE, an artisan group, other in Lempa Acahuapa, an agricultural supply store to support the Regional Producers organization.

•

•

•

As result of the very successful three-day agribusiness courses (dubbed CENT A n given to over 500 CENT A technicians and research specialists, more theme specific courses (CENT A II) were given to over 200 technicians as a follow up to the first course. The CENT A I course was also given to CORDES technicians and the demand has increased for other groups.

An accredited course in cooperative business management was developed with CRECER, FEDECACES and the University of El Salvador. This 10 month course began in mid June. (If funds are available, a cooperative agribusiness course will be developed along similar lines.)

The Regional Organization of agricultural producers in Sonsonate was legally constituted in May. Over 600 individnal basic grain producers were present as founding members of the organization. Their agricultural supply store has gotten off to a very successful start and is becoming the principle sales and purchase point for over 400 members.

Also during this past quarter the CRECER team was advised by USAID that the project will not receive its final funding obligation until February 2000 and that the final obligation will not fully fund the contract to its total value. Unfortunately, the delay in receiving project funding until February 2000 will slow the roll-out of some activities (e.g. disbursements of the physical enhancement fund and increased training activities). Additionally, the projected shortfall in total funding will require the team to work closely with USAID to determine the best plan of action for the final stages of project implementation. Lastly, the CRECER team regrets to announce that during this quarter, Dr. Hugo Ramos' contract ended and Mr. Oscar De Le6n resigned. Although they will be sorely missed, hopefully their departures will only cause a short term effect in project implementation.

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Section I: Results Achieved during Second Quarier, 1999

A. RURAL ENTERPRISES COMPONENT

AI. Progress on Contract End of Project Outputs - Second quarter, 1999

CRECER End of Project Output (Contract) Status

An estimated 10,000 rural families will benefit. 11,635 agricultural producers (heads of families) Measured by the number of rural families receiving are receiving services (processing, marketing and marketing and other services from strengthened rural credit) from the rural agricultural enterprises enterprises and organizations. assisted by CRECER. The non-agricultural

component is assisting 215 families.

Thirty (30) member-owned organizations: fifteen CRECER is providing strategic planning, (15) at the secondary level, including agroindustries, administrative operations and overall management and fifteen (15) affIliated primary level support to 34 organizations: 16 secondary level organizations, producing diversified crops and organizations, 15 primary level organizations and 3 deliveriug production, post -harvest handling, third level organizations. processing, and marketing services to their farmer members in a cost-effective manner.

Eight (8) agricultural producer (commodity specific) CRECER technicians are currently providing groups receiving and/or deliveriug a range of support through planning, marketing, processing production, marketing, technical and legal and research for the following eleven commodities: assistance, as well as policy advocacy on behalf of coffee, cashew, sesame, corn, vegetables, the growers. medicinal plants, rice and sorghum as well as

production of honey, organic brown crude sugar and organic fertilizer. It is doubtful that more commodities will be added. See figure 1.

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GREGER Quarterly Perfonnance Report QII-99

CRECER End of Project Output (Contract) Status

Two (2) regional member-owned organizations are Work continues with the Regional Organization at profitably providing services to their members, such the Occidental Region, with a participation of five as: input procurement and distribution, packing, Service Organizations (Asociaci6n de Produc/ores storage, transport and marketing. CRECER, ASlD, ADECPRO and two federations of

CONSALCOOP), who are developing service activities (grain and agriCUltural supply sales).

The producer members of the Regional Organization are receiving assistance in agriCUltural production from CENT A by means of their agreement with CRECER. This activity has expanded to the Departments of Santa Ana and Ahuachapan. For legal matters there is close coordination with the Depanamento de Asociaciones Agropecuarias DAAIMAG.

Regarding with the Regional Organization of the . Paracentral Region, we are working in the consolidation of three groups: Asociaci6n de Regantes de Lempa-Acahuapa, producers affiliated to the Confederations of CONSALCOOP and CONFENACOA and the CORDES development group in the Baja Lempa (SES, IDES and MES).

This activity, principally the one in development in the Lempa-Acahuapa irrigation district zone, is coordinated with the Regional office of CENTA. An AGRO-TIENDA in Lempa-Acahuapa was opened during this quarter, aimed at selling grains and agriculture products. DAA and NGO' s (AGRONATURAIGTZ) also participated in the provision of integrated support.

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Section I: Results Achieved during Second Quarter, 1999

AZ. Progress on USAIDIEI Salvador's Results Package Indicators - Second quarter, 1999

A summary of CRECER's contribution to the USAID/EI Salvador Results package follows.

USAID Mission Strategic Objective No.1

USAIDIEI Salvador Result No.3: Expanded Equitable Access to Financial, Technological

and Marketing Services by the Rural Poor.

USAID Indicator CRECER's Contribution to Result

Number of male and female direct beneficiaries CRECER currently serves 11,635 direct beneficiaries receiving services (Le. management, agricultural in the agricultural sector (of which over 34% - 3,982 technical assistance, bulk input supply, processing or are women). This represents an increase of 3,033 produce marketing). during this reporting period. In non-agricultural

enterprises there are 80 business owners (52 men and 28 women) and 135 additional families (100 men and 35 women) that benefit from CRECER assistance.

Figure I, below, shows the main commodity groups supported by CRECER and the increase in hectares attributable to project intervention.

Agricultural Commodity Specific Groups

(in hectares planted)

2~.------------------------------------------

1500

1000

500

.•...........•................................................•.......... /

/ ..... ..., .. . _ .. .......... .

-----.",

••••••••• f •

......

•••••• ! •••••• ;. " .......... . t ......... ~

IffB organic coffee (y1) o organic cashew (V1)

• selame (Vi) • belic grain. (Yi)

Figure 1

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CRECER Quarterly Performance Report QI/-99

Intermediate Result: Increased Coverage of Sustainable Secondary Organizations

. providing Technology and Marketing


Number of secondary organizations providing 16 CRECER-assisted secondary level organizations services (Le. management, agricultural technical (8 service and 8 agroindustries) and 2 third level assistance, bulk input supply, processing or organizations are providing services to their members produce marketing) or customers. CONSALCOOP and CONFENACOA,

were integrated to the effort that CRECER is developing in the consolidation of the Regional Organizations. They offer a variety of services to their members. (See annex E-4) In the non-agricultural sector, 55 CRECER assisted businesses are affiliated to cooperatives. In addition, 10 persons are affiliated to a solidarity group and 15 businesses are organized within a pre-cooperative.

Number of secondary organizations which reach The sustainability information will be reported in the sustainability providing services Third Quarter/99, with data from the Financial

Report of June 30, 1999.The artisan cooperative owned retail stores had a positive sustainability index of 1.06 in Ilobasco and a negative index of .74 in Nahuizalco

Base level results achieved to date under the project follow. These correspond to USAID/EI Salvador's Results Package 3.

Base-level Result: Increased Affiliation of Producers to n • Organizations

USAID Indicator CRECER's Contribution to Base-Level Result

Number of producers actively affiliated to 9,975 producers are actively affiliated with the cooperatives and producer associations. cooperatives and associations served by CRECER.

There are a total of 1,660 individuals producers that are not affiliated but have used services from the enterprises attended by CRECER. .

Base-Level Result:

Improved Sustainability of Primary Level Organization Through Stable Management.


Number of primary level organizations that reach The information related with the sustainability will sustainability . be reported in the Third Quarter/99, with data from

Financial Report of June 30, 1999.

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Base-Level Result: Increased value of product marketed by primary organizations


$ value of product marketed by primary organization CRECER-assisted primary agricultural organizations have marketed an accumulated of $1,091,595. During this period there was an increase of $29,212. (See annel( E-4) Product marketed during this period by individual micro-enterprises was US$49 ,492. 73 and through their stores, US$9,512.07.

$ value of product marketed through secondary The service organizations reported a sales increase organizations of $248,338 for an accumulated total of $2,541 ,702.

(See annex E-4)

Area (in hectares) under cultivation adopting 4,585 hectares are under cultivation by CRECER-technology . assisted organizations. (See annex E-4)

Figure 2, reflects the increase in products marketed from the CRECER-assisted primary-level organizations through their secondary-level organizations as well as product marketed by the primary-level organizations.

Figure 2.

Results package 3b

Increased value of Product marketed $3,OOO'T'"----------------

52.500+--------------------11-

$2.000 -1------------------1 f-- r-

$1.500+-----'--------------/ f-- ~

EB Primary product mari;eted Dlru l"eoncIary ieWlI organb:allonl o TOUlI prodC:U1 marketed by pnmlry organizations

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CRECER Quarterly Performance Report QII-99

A3. CRECER Indicators:

CRECER's Internal Project Impact Indicators - Rural Enterprise Component

Internal Indicator Status .

Internal Rate of Return (IRR) - The IRR of This CRECER generated indicator will be enterprises assisted by CRECER should be equal to eliminated as the project accounting system does or greater than the fixed rate of return in EL not allow the possibility of having component Salvador for long term loans (presently about 10- specific data thereby making it nearly impossible 12%). to account for individual expenses per

organization.

Financial rehabilitation of rural enterprises is one of During this period, CRECER was able to assist the successes of CRECER. Through the use of EI CasIano Cooperative, in the presentation of a targeted studies, we will demonstrate the technical financial project for a working capital loan with and financial viability of the enterprises. FIDECOOP.

CRECER also assisted CORALAMA in negotiations to re-structure their debt with BFA.

CRECER's Internal Project Impact Indicators -Non-Agricultural Rural Enterprise Component

Internal Indicator Status

Internal Rate of Return (IRR) - The IRR of This will be reported in the next quarterly report enterprises assisted by CRECER should be equal to using year end 1998 figures. or greater than the fixed rate of return in EL Salvador for long term loans (presently about 10-12%).

Financial rehabilitation of non-agricultural rural The Flores-Corvera hammock makers were able enterprises is one of the successes of CRECER. to sell their 230 colones newly designed Through the use of targeted studies, we will hammocks for 350 colones a margin of 52 % demonstrate the technical and fmancial viability of compared to the 3 %earned on selling the the enterprises. traditional 87-colones hammock for 90 colones.

The consultants also assisted in the design of ceramic lamps that have a cost of 150 colones and are being marketed for c 250 - 67 % profit.

A4. Problems encountered:

The economy of the country has seemed to have slowed down, possibly because of the presidential elections, the rainy season. This slowdown has been clearly noted at the retail-level where the artiSart deals in goods that are not necessity items. The INSAFOCOOP bureaucracy made it very time consuming to obtain the legal statutes of the llobasco cooperative - more than a year. During the visit of the two international consultants the lack of standardized quality product to meet international standards and to be able to produce them in volumes needed was glaringly

obvious.

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B. RURAL FINANCIAL ENTERPRISES

B1. Progress on Contract End of Project Outputs - Second quarter, 1999

The Rural Financial Enterprise component of CRECER has been very successful in achieving contract targets. The team is now concentrating on strengthening participating credit unions with the aim of making them sustainable after the contract PACD.

I CRECER End of Project Out:eut (Contract) I Status

A minimum of 20,000 rural clients served. 67,816 clients (members, youth members and third party savers) are being served by CRECER-assisted credit unions.

Fifteen (15) credit unions and 1 or 2 NOOs CRECER is working with 13 credit unions and 2 institutionally strengthened and providing NOO's (UCRAPROBEX and CRS), in addition to competitively-priced financial services (savings and providing institutional support to FEDECACES; 2 loans). branch offices and 4 CU agencies. An additional 15

credit unions affiliated to FEDECACES yet not eligible for direct CRECER assistance have adopted, to a certain degree, the methodology, financial discipline, and structural changes promoted by CRECER.

A minimum of $4.0 million in new local savings will As of March 30, 1998 there was 17.99 million be mobilized and used to finance lending at market dollars in savings (an increase of $11.69 million rates of interest for agriculture and small and dollars since December 31, 1995) spread among medium-scale rural enterprise by the end of the passbook accounts, certificate of deposit and youth project. programs, all of which receive competitive market

interest rates.

Savings as of Dec. 31, 1995 $5.5 million as of Mar. 30, 1999 $17.99

an increase of $12.49 - 227%

An accumulated total of 80% ($3.2 million) of The net loan portfolio has increased to $ 9.08 million savings accumulated will be relent to fmance farming (an increase in dollars fmanced through savings and and related rural industries, commerce, micro and member shares). small-scale enterprise, housing and other rural household needs over the life-of-the-project through Loans as of Dec. 31, 1995 $15.2 million participating credit unions and non-governmental as of Mar. 30, 1999 $24.28 organizations. an increase of $9.08 - 60%

Legal and regulatory change leading to an improved A proposal for a law for fmancial intermediaries has environment for rural financial institutions and a been completed and is due for presentation by BCR stronger set of regulatory mechanisms that will to the national assembly. Passage of the law has been govern both savings and lending services. delayed in the Assembly and BCR, but hopefully

everything will be resolved in favor of credit unions.

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GREGER Quarterly Performance Report QI/-99

I CRECER End of Project Output (Contract) I Status

Review and summarize existing or proposed CRECER has closely followed credit union and legislation in other countries that governs alternative, fmancial intermediary legislation in other countries, non-bank financial intermediaries, such as banks for mainly through WOCCU projects. Legislation in micro and small businesses, village and/or rural Costa Rica, Guatemala, Bolivia and Ecuador has banks, etc. been discussed through annual meetings of WOCCU

staff. Parts of Guatemalan legislation regarding Analyze the requirements for loan agreement cooperative laws and statues have been incorporated enforcement and foreclosure and recommendations into model statutes for FEDECACES cooperatives. on measures to streamline and simplify procedures This work is ongoing and will continue long after the for creditors, while still protecting the rights of new Financial intermediary law is passed in El borrowers. Draft modifications to the current laws. Salvador. As an important aspect to be defmed in

the new law is the supervision of credit unions, Recommend supervisory mechanisms and authorities which has been included in conversations between that could be established to oversee operations and FEDECACES/CRECER and the BCR and legislative protect depositors and shareholders of non-bank bodies. intermediaries.

Jose Linares has worked with FEDECACES and CRECER staff on improving credit administration techniques of the coops in order to simplify the loan process and at the same time eliminate some of the risk of non payment or delinquent loans. A matrix for determining repayment capacity based on type of employment is being developed, work continues on a national credit risk center, classes by national lawyers have been giving to credit union staff on to loan collections and the CALPIA loan system is being studied to determine what areas of their successful, delinquent free portfolio can be copied.

B2.Progress on USAIDIEI Salvador's Results Package Indicators - Second quarter, 1999.

The Rural Financial Enterprises component of CRECER has made an excellent contribution to meeting the targets associated with many of the Mission's results package indicators and as shown by the charts below, has been very su=ssful at expanding the a=ss of the rural poor to financial services.

USAIDIEI Salvador Result No.3: Expanded Equitable A=ss to Financial, Technological

and Marketing Services by the Rural Poor.


Number of active borrowers 11,015 men (46.11%) 12,874 women (53.9%) 23,889 total active borrowers

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GREGER Quarterly Performance Report QII-99

Base-level Result: increased capital mobilized for rural lending


Growth in savings accounts (US dollars) As of March 31,1999. CRECER-related interventions have resulted in a growth in savings in the last three years within the panicipating institutions of $12.49 million (227%) from $5.5 million to $17.19 million.

Savings as of Dec 3 I 1995 $5.5 million Mar 301999 $17.99

an increase of $12.49 an increase of 227%

Number of NGOs obtaining commercial bank funds One NGO. UCRAPROBEX. has obtained funds from j commercial banks and is classified as an «A» ... customer. (Technical assistance has been provided in

financial analysis and control of ponfolio delinquency. )

Base-level Result: Secure rural savings mechanisms expanded

~I USAID Indicator CRECER's Contribution to Base-Level Result

Number of secure savings institutions offering All participating credit unions (13) have a signed services to rural clients. Increased value of product. agreement with FEDECACES for 10% reserve·

requirements. 12 of the 13 credit unions have indicators of patrimony solvency (capital shares plus institutional reserves) that are between 23 and 56% of total assets of the credit unions.

Base Level result: Improved legal & regniatory environment promoting access

to fmancial services by the poor.

J USAID Indicator Status

Number of itnproved statutes of fmancial institutions The credit unions continue to await passage of the new law for intennediary fmancial institutions at which time they will change their statutes to comply with the new law. At this titne. it make no sense to change statutes based on an old law.

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Section I: Results Achieved during Second Quarter. 1999

B3. CRECER Indicators:

We reported CRECER's progress vis a vis both the CRECER contract and the Mission's Indicators in the preceding sections. While impressive, the project has achieved much that has simply not been reflected by those indicators. To give USAID a better idea of what CRECER has accomplished the CRECER field team selected a set of indicators which we feel best show the project's achievements.

This section of the quarterly report details the project's accomplishments according to these "CRECER Indicators." As before, not all the merits of this progress should be attributed to the project's activities.

Internal Project Indicators

CRECER Indicator

% of delinquent accounts over one year that have been purged.

Increase in reserves to cover delinquent accounts -from December 1995 through May 1999.

Decrease of dependence on external loans - from December 1995 through May 1999.

STATUS

1.77 % of delinquent accounts over one year have been purged and 41.98 % of the purged funds have been recovered. As credit unions continue purging their accounts this indicator will ideally reach 0% meaning all accounts are up to date.

Since CRECER began to work with the credit unions, reserves to cover delinquent accounts are at $1.69 million dollars.

7 credit unions comply with the 100% reserve provisions to cover delinquent loans. The other six are at different levels in the process of complying with this requisite.

in US dollars

Figure 5 PartiCipating credit unions have lowered their dependence on external loans by 29.04 % from $3.085 million in 1995 to $2.199 million as of May 1999.

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CRECER Indicator

Recovery of bad debt write offs.

Amount and number of loans made during current year (Jan I - June 1999)*

Creation of a reserve fund for savings at the normal prudent levels as stipulated by the regulatory authorities.

STATUS

Recovery of Loan "Write-ofts"

$2,000

$1,500

$1,000

$500

so

o Loan/; writlen off bI lOin, Recovered

Figure 6 Of the total of $1 ,660,203 of bad debt that was written off, $696,953 or 41.48% has been recovered.

$5.92 million dollars in 11,015 loans to men $6.92 million dollars in 12,874 loans to women $12.84 million dollars through a total of23,889 loans

All credit unions have an agreement with FEDECACES to comply with this reserve requirement.

*This data is from the USAID indicator report, however, these are not the most updated figures as the June accounting were not fmished at time of publication. The exact data as of June, 1999 will be reported iii the June PERLAS report.

Loans disbursed in 1999

. ....

Men Women

Figure 8

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C. SECTORIAL POLICY SUPPORT

The presidential elections and subsequent inauguration of the new President greatly affected the policy component, especially the work within MAG, Once the new President and Ministers were sworn in there was also a period of getting acquainted with the workings of the new ministry and the philosophy of the new government. Although work did not come to a complete standstill much of the normal OAPA supported activities were greatly curtailed, During this same time Hugo. Ramos, our policy coordinator, left the contract to take on his new duties with the ROCA project and although the two CRECER staffers that remain are very competent, Hugo's more than 6 years working with OAPA will be missed.

On the positive side we were fortunate in that Amy Angel an ex-CRECER employee was named as an advisor to the Minister, Emilio Suadi, who was close to the CRECER project from his' work in CENT A was named as another advisor, and although a new head of OAPA has not been named, Eduardo Huidobro, a long time advisor to OAPA, was named as acting director, The new Minister seems to be familiar with the work CRECER has been doing with OAPA, CENTA and DAA. We have already been asked to participate in a number of new activities and studies. One of the overriding principles for the agricultural sector as expressed by the President in his inaugural address is an emphasis on marketing and organizations (" asociatividad") all basic premises of the CRECER philosophy and methodology. Early indications are that CRECER could be asked to play a larger part in this new agricultural strategy than we will be able to provide given the contract budget.

Progress towards contractual outputs is summarized in section C 1 below. Section C2 shows the contributions of CRECER's policy component to USAID/EI Salvador's result No.5 via its intermediate and base results. A summary of the component's most important activities undertaken during the reporting period is provided in section D.

Cl. Progress towards end of project outputs

CRECER End of Project Outputs Progress (Contract)

r. Rural Poverty Reduction Strategy

Sectoral policy environment in agricuitore and rural Sectoral pOlicies continue intproving and gaining industry that is conducive to increased investment, more transparency and stability since reforms are leading to employment and income gains for a taken based on tecbnical analysis rather than minimum of 153,000 rural households. pressures from interest groups. CRECER will

continue to support OAPA in providing tecbnical analysis of reforms proposed by the new administration which include price bands, elintination of IV A and others.

1-15

J


CRECER End of Project Outputs (Contract)

A policy dialogue decision making process is established that encourages broad discussion of policy issues of importance to the rural poor. Local, regional and national discussions are held, whereby representatives of the public and private sectors meet and debate issues in an open and participatory manner.

Rural poverty reduction strategy developed.

Regulations adopted to govern the production and sale of organic products.

Ministry of Agriculture skilled at maintaining stable sectoral policy, regulatory, and legal framework.

Progress

The Rural Development Committee, of which CRECER is a member, has become the leading organization in the matter of rural development and poverty reduction. The rural strategy was published and distributed widely. Although a high level meeting with the President as hoped for did not occur, inroads have been made for acceptance of the poverty strategy. Four national fora scheduled for next quarter should assist in bringing the strategy to the national forefront.

Work will continue with the CDR to bring the strategy to all levels of government. Rural development and poverty reduction are central themes of the new administration, it is yet to be determined how they will play out. However, the CDR strategy will hopefully be the foundation or at least a sounding block for new policies.

The inclusion of organic coffee and organic sugar as non-traditional agricultural products within the export promotion law has been an achievement of the policy team in this respect. By this change in the law, producers of organic coffee as well as of organic sugar started as beneficiaries of the drawback mechanism by which the government reimburses 6 % of the FOB export value to compensate for the input taxes farmers have paid to produce those goods. Although drafting the suggested legislation to regulate production and sale of organic productS could have been a relatively easy task, though somewhat costly since experts would have been needed the policy team decided not to initiate this work. The basic reason is still valid - the ineffectiveness of national legislation before international regulations and norms relative to international trade of organic products.

Under new leadership we are confident that OAPA will continue to be the policy analysis and policy advocacy unit within MAG. The absence of Hugo Ramos will be felt at the leadership level but the two CRECER staffers will be able to carry on the technical and policy analysis. With Amy Angel as advisor, we don't foresee any problems with future relationship between CRECER and OAPA.

1-16

(


C2. Progress on USAlDIEI Salvador's Results Package Indicators - Second quarter, 1999

Measurement and attribution problems characterize many of CRECER's policy-related indicators, particularly those related to reduction of rural poverty and modernization of the State. For this reason, we give some qualitative rather than quantitative indicators below. While CRECER's policy component has had a substantial influence on the policy environment, the progress achieved within these two intermediate results should not be completely attributed to CRECER's efforts.

Intermediate Result: GOES adopts and Impleinents Rural Poverty Strategy


Rural Poverty Strategy Adopted and Implemented. As reported in the last report: the strategy document has been widely distributed and an intense dialogue and debate on the proposal with representatives of different sectors of the economy has taken place in efforts to have the plan adopted by government officials and the team of professionals assisting the elected President. To date, a formal meeting has not taken place with elected officials. Dr. Alex McCalla, an international consultant, reviewed the CDR document and had a number of sessions with the strategy participants to improve the fmal strategy. Gabriel Siri also supplied a pragmatic approach to the distribution and presentation of the document. He also prepared a executive summary of the document and made portions of the document "Mitch-friendly."

1-17

/9

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Intermediate Result: Modernization of the State Leading to Economic Growth

and Better Rural Services

USAID Indicator

Modernization of the State Index - Percentage of reforms achieved.

1-18

CRECER's Contribution to Result

The DAA completed an institutional strategic plan. This two month exercise included representatives of the major agricultural cooperative federations as well as key DAA personnel. The plan calls for a major restructuring of the entire organization and a complete re·focusing of activities placing effort on two programs - judicial and the fmancial monitOring and evaluation of cooperatives. CRECER also supplied a computerized system for keeping track of legal and statistical information of over 2000 cooperatives under the auspices of DAA. During the first presentation to the new Minister, DAA was the only entity to have a strategic and five year plan in the institution.

Training of CENT A employees continues. Over 200 were trained in the CENT A II (specific agri business) courses. Over 100 CENT A researchers received the basic CENT A I (agri business) course which was also given to 45 CORDES technicians.

The CRECER policy team participated with OAPA technicians in the preparation of the MAG five year Action Plan following the guidelines laid out in the CDR strategy.

If

(

•

Section I: Results Achieved during Second Quarler, 1999

C3. CRECER Indicators

The next tables show some indicators developed by CRECER to measure the progress towards the project's expected results. As before, not all the merits of this progress should be attributed to the project's activities.


CRECER Indicator STATUS

Average import tariff rate for agricultural products A weighted average tariff for 1996 showed a figure and inputs (average rate will be maintained below close to 15% while that figure for 1997 was 20%). approximately 13%. The average rate for 1998 will

probably be close to 11%. The behavior of the average import tariff for the sector reveals a trend towards a more open and liberalized trade.

Institutional strengthening and analytical capacity Approximately 200 technicians ba ve been trained in developed in entities such as BOLPROES, the CENT A II course in agribusiness, fann CAMAGRO, CENTA, DAA and INSAPOCOOP. management and international trade .

1-19

SECTION II PROJECT HIGHLIGHTSINOTABLE ACTIVITIES

DURING SECOND QUARTER, 1999

..

SECTION II PROJECT ffiGHLIGHTS/NOTABLE ACTIVITIES DURING SECOND QUARTER, 1999

While we did not list project activities in section A, B, or C above in order to better reflect the results of the project, it is important to give an impression of the direction and scope of the CRECER project. We have listed the most relevant and important activities and anecdotal achievements by component below.

A. Rural Enterprise Component

The chart below shows activities related to specific organizations of second level (Service and Agroindustrial) participating in the Rural Agricultural Enterprises component.

Secondary No. Beneficiaries Sustainability Key activities Organization

Agricultural Organizations

1. Sistema Econ6mico 1,610 With the assistance of Ian Duncan, Social (SES) an international consultant, support Affiliated primary: was given in the production and

Santa Maria processing of organic cashew. El Coyol, La Sabana An investigation/study on new

marketing development for organic cashew, was completed by Jeff Miller.

A Work Plan for the Commercialization Unit was created.

2. Productores y 1,931 A mechanized credit and Exportadores de Usuluttin accounting systems, was instaJled. (UPREXICOMUS) Affiliated primary: Continued to provide support in the

La Piedad development of those programs El Rescate identified in the Strategic Plan Rio Roldan (credit, commercialization and

process).

Provided legal support (register of label and brand) as a means of rethinking the development of UPREX .

II-I



3. Cooperative Society for 614 CRECER continues with the Cashew Products (SCPM) support, following the Affiliated primaty: recommendations of Ian Duncan, in

La Maraflonera the production and process of Maquigua organic cashew. Chilanguera

Due to the limitations in the coordination with PROCOOPDlMES (CCA-SOGEMA) it was impossible to develop an assistance plan in all the pre-established areas this an other factors led us to cancel the agreement that we had with the Society.

4. United Communities for 417 SUppOft. in accounting and in credit the Development of requests as part of the development Usulutan (CODEUSMI) service that CODEUSMI offers.' Affiliated primary:

EI Boqueron, Montecristo, Nuevo Amanecer

5. Cooperative Society of 785 CRECER has made the first contact Producers from Usulutan with the new authorities of MAG (SOCOPU) and they are interested to continue Affiliated primary: with the negotiations whereby

EI Tercio SOCOPU can acquire the plant and ' Chaguantique installations. Ozar/{m

CRECER assisted in accounting procedures and in the promotion of member services.

6. Cooperative Society Las 101 CRECER assisted in the celebration Marias of the General Assembly in which

the Board of Directors was re-structured and new members incorporated.

CRECER continue to upgrade accounting and marketing systems and in the negotiations for credit lines with the Banco Salvadoreiio. A mechanized credit system was ,

installed. ,

II-2

Section II: Project HighlightsINotable Activities During Second Quarter, 1999

..


7. Cooperative Association 45 The marketing of ABONILO, has of the Agrarian Refoim El led us to recommend that the Nilo Cooperative focus its effort on the

production and sales to agricultural producers. We continue giving marketing support for the organic fertilizer, ABO NILO, in the nurseries of San Salvador.

8. Sesame Processor and 0 Due to the lack of a response from Exporter (PREXA) BFA in relation to the PREXA

credit situation and the problems caused by depressed international market for organic and conventional sesame, we are supporting to PREXA ICONFRAS in the development of a marketing service for agricultural products.

9.El Castano, Cooperative 88 A 1999 business plan was Association of Production completed which will serve in the and Multiple Services negotiations with BFA for a

working capital loan.

10. Association of 14 CRECER continues supporting in Livestock Producers the negotiation process with (APROAGRO) cooperating and donors

organizations - a feasibility study for the rehabilitation of the feed mill/processing plant was presented to OXFAM AMERICA, GTZ, Centro Cooperativo Sueco.

11. EI Refugio coffee 272 During this period the Strategic milllUCRAPROBEX Plan was fInished and support given

in setting up administrative and accounting systems.

JI-3



12. Cooperative 19 A copy of the Christopher Bowes Association of Honey study was given to OXFAM Producers from Suchitlan AMERICA, who showed interest in

the activity.

CRECER continues the coordination with CORDES and CENTA in the area of production as well as a pilot plan (research and training) with Salom6n Handal, a CENT A honey expert.

13. Crude Sugar 17 The legal constitution of the Cooperative Association cooperative was granted by (ACOPADES) INSAFOCOOP.

CRECER continues giving support in marketing of organic brown crude sugar in the national market and in the establishment of combination agricultural supply and sweet shop in San Vicente.

14. Association of 170 Assisted in the evaluation of a Communal Development proposal for becoming a financial (ADECPRO) intermediary through an

international NGO Ayuda en Accion in the amount of c500,OOO.

CRECER supported the process of the consolidation of a strategic alliance with the Asociacion de Produclores CRECER, for the commercialization of grains and the loan dispersal.

15. Association for 411 CRECER supported the process of Integration and the consolidation of a strategic Development (ASID) alliance with the Asociacion de

Produclores CRECER, for the commercialization of grains and the loan dispersal.

II-4

Section II: Project Highlights/Notable Activities DUring Second Quarter, 1999


16. Association of 588 Legalization of the Association was Producers of the West - completed. This activity was made CRECER in coordination with

CENTA/DAA/MAG.

CRECER suppon the administrative and accounting systems, also provided assistance in the fiscal registry of the Association.

A new type of store called AGROBODEGA (an agricultural supply warehouse) was opened in Cara Sucia for local groups in the zone.

17. Western Regional 1,169 There are presently five Legal Organization (Comprised Organizations that are members and of numbers 14, 15 and 16 The sum of the three in coordination with CENT A, above) above mentioned promotional activities have begun

organizations to organize the producers of Santa (numbers 14, 15 and Ana and Ahuachapan. 16)

18.0rganizacion Regional 0 CRECER is working with 30 Paracentral, Paracentral producers from five local groups. Regional Organization. This group has initiated the

development of an agricultural supply store located within the· Lempa-Acahuapa Irrigation District office installations. This activiry is being implemented with the suppon of CENT A technicians in the area.

Investigations are underway of other organizations that could be integrated into the Regional Organization

19. Confederacion 1,272 In order to more fully develop the Salvadoreiia de work with these Confederations, Cooperativas discussions have taken place for a CONSALCOOP. proposed strategic alliance between

the two organizations.

II-5

CRECER Quarterly Performance Report QIJ-99

Secondary No. Beneficiaries Sustainability Key activities Organization .

20. Conjederacion 1,621 With the objective of consolidating Nacional de Cooperativas the organizations (at the Agropecuarias - confederation and producers level), CONFENACOA. CRECER has organized and

coordinated a support committee, with participation of the DAA/MAG in legal aspects, La Fundacion Trabajo y Universidad -FTU in formation of Leaders, CENT A in technical assistance and CRECER in Businessl Enterprise Management.

During this quarter 383 new beneficiaries were added, of which 342 are members of the Asociaci6n de Produc/ores CRECER and the other 41 are non-affiliated beneficiaries of Sociedad Las Marias '99 who have been beneficiaries of the coffee mill.

Non-Agricultural Organizations

I. Asociacion Cooperativa 24 members, plus 79 1.06 Over 90 newly designed (new size, de Anesanos - CRECER families that work type of color of thread and new (A CEC), Cooperative with them (49 men; patterns) hammocks were produced Society of Artisans - 30 women). and being distributed thru the local CRECER. store as well as retail store in San

Salvador. Training classes were given in new deSigns and finishes for ceramic items. An order was placed for US distributors.

2. Asociacion Cooperativa 16 members and 56 .74 During a second consultancy, Empresarios CRECER families that work workshops were held on workshop (CRECER de R.L.), with them (51 men; safety, and finishes for wood items. Cooperative Association of 5 women) The cooperative participated in the CRECER Entrepreneurs. annual NahuizalCo furniture fair.

3. Empresarios Asociados 15 (6 men; 9 NA Based on the completed feasibility de Tiendas en San Carlos women) study the group has begun the Lempa, Associated Small process of becoming a legalized Store owners in San Carlos cooperative whose objective will be Lempa. to open a grocery warehouse.

11-6

-

Section 1/; Project Highlights/Notable Activities During Second Quarier, 1999


4. Jovenes Empresarios 10 (7 men; 3 NA This group opened a retail store in Asociados en llobasco, women) llobasco stocked with the Grupo Moje, Associated innovative and different products Young Entrepreneurs from made by the group. They have 1J0basco. begnn sales through distributor in

San Salvador.

5. Tienda ARTE NA Sales samples were sent to a CRECER,ARTE distributor in Miami, wholesale lots CRECER Store. llobasco, of customized ·piggy banks" have Izalco y Nahuizaico. been sold to national fmancial

institutions and new items developed for distribution in the United States.

6. Hammock Cooperative IS (12 men; 3 of Concepcion women) Quetzaltepeque.

The level of expenditures both financial and human at the primary level rural agricultural organizations during this quarter will not be sustainable during the following quarter due to the reprogramming of budget, a lack of timely obligated funding. This will force CRECER to end all assistance to the primary level organizations. This decision is based not only on budgetary reasons, but probably more important on efficient use of human resources. Much more can be accomplished at the secondary level than working using valuable time at the primary level. Most secondary level organizations are at the stage where they can provide efficient assistance to the primary level organizations.

Primary Organization No. Sustainability Key activities Beneficiaries

1. Santa ManalSES 126 NA Support in the elaboration of a Production Plan for org~ic sugar and organic cashew.

2. EI CoyoliSES 98 NA Development of a notebook to keep track of production costs at the producer level.

3. La Sabana/SES 75 NA Continue with the 1999/2000 agricultural production plan.

II·7

CRECER Quarterty Performance Report QI/-99

Primary Organization No. Sustainability Key activities Beneficiaries

4. IA PiedadlCOMUS 62 1.55 Continue with the Operative Plan 1999/2000. for the three Cooperatives.

5. EI RescalelCOMUS 18 1.91

6. Rio RolMnlCOMUS 45 1.33 Support in the accounting area and with training.

7. IA Marafloneral 154 CRECER technicians continue SCPM. assisting with the production process

and the 1998/1999 harvest; and the production plan for the 1999/2000 crop.

As a result of the cancellation of the agreement with the Society and the primary level Cooperatives (CORALAMA, Maquigua and Chilanguera), we have decided to continue the support to CORALAMA as it is the only organization that has the capacity of produce and process organic certificated cashews. They will be reclassified as an • agroindustry" in the next report.

8. MaquigualSCPM 131 Limited assistance was provided during this quarter: none will be provided in

9. ChiiangueralSCPM 86 the following.

10. EZ Boqueron, 134 Continue with the Operative Plan. CODEUSMl. 1999/2000, for the three

11. Montecristo. 32 Cooperatives.

CODEUSMI Support in the accounting and training,

12. Candelaria Nuevo 47 in each one of the Cooperatives.

Amanecer, CODEUSMI

13. EZ Tercio, 165 Continue with the Operative Plan SOCOPU 1999/2000.

14. Chaguantique, 136 Support in accounting aspects and SOCOPU training.

15. ACAPAOZ, 26 SOCOPU

II-8

Section II: Project Highlights/Notable Activities During Second Quarter, 1999

B. Rural Financial Enterprise Component

• The CRECER team participated in meeting with BCR related to the new financial intermediary law, David Richardson had a lengthy discussion with members of the Legislative Financial commission on the worldwide situation of credit unions.

• SIGCOOP, a CRECER developed registry system for tracking the cooperatives affiliated to DAA, was installed in the office of DAA after a formal presentation ceremony.

• The CRECER team worked closely with the credit unions and there branches to determine if their computer systems were in compliance with Y2K. Over 80% have systems that will not be affected or were updated. The other 20% (27 systems) will be assigned tasks so that they will not be affected by date changes.

• A computerized marketing training course was developed to be used by the credit union marketing staff, the course will run by electronic mail. The course consists of 45 modules that will be sent to the coops every 15 days. At the end of the course another group will be incorporated and the course start again.

• The installation of security systems in all 13 participating credit unions was begun. The systems vary depending on the office but consist minintally of an alarm system, and could include a safe, re- enforced window and doors, etc.

• Jose Linares assisted in the development and promotion of new types of savings accounts (Diamond, Emerald and Ruby) based on amount held in each. The larger the amount the better the interest rate and attention. CRECER also has put the fInishing touches on the youth savings program. The artisans of Ilobasco working with CRECER designed "piggy banks" with the Picky the Bee mascot incorporated.

• A national auditing fIrm, Reyes Rubio, conducted an evaluation of the auditing department of FEDECACES and also carried out training session with the auditors. They then assisted in audits of selected credit unions.

• CRECER supported the effort by USAID-DAI in the preparation of a forum on "Su=ssful Experiences in Micro enterprises. Over 100 persons attended this event, the results were distributed to alI participants.

• A University accredited course in business management for credit union directors, staff and administrators was begun through the collaboration of the University of EI Salvador FEDECACES and CRECER. The 10 months course is well attended by over 40 "students", the university has been very supportive of the course enough so that we have begun the design of a similar course for agribusiness leaders. This course will hopefully begin in September 1999.

• The PERLAS system has been installed in 4 credit unions and FEDECACES, the USAID computerized indicator system is installed in alI participating credit unions. A similar system to

II-9

GREGER Quarterly Performance Report QI/-99

PERLAS called "CAFEPIPIL" (the initials each stand for a financial, production or development indicator) was developed for UCRAPROBEX.

C.Policy Component

Rural poverty reduction

• CDR continued developing its activities in order to disseminate the rural development and poverty reduction strategy. A series of discussion meetings was planned around themes such as the impact of the elimination of all exemptions to the value added tax (IVA), rural financial services, land tenure policy, food security, and others. Fernando Soto, a consultant from FAO and working for RUT A III was the speaker for the rural financial discussion. Hugo Ramos was proposed as the discussion leader for the IV A and land tenure policy themes. Amy Angel volunteered for the food security theme. The discussion meeting started in May and will continue during June and July. The purpose of these meetings is to gain consensus around a· position of the CDR on these issues and advocate for consequent policy reforms.

Modernization ofthe State

• A new agreement was signed between sorghum producers and poultry industry representatives. Evaluating the experience with the last year's contract to correct a few errors in the implementation of the mechanism, it is expected that this year the mechanism will work smoothly and will include a larger number of sorghum producers than last year. This same type of agreement is expected to be in place between the rice producers and millers before the upcoming planting season.

• Policy technicians are assisting the UCRAPROBEX CRECER initiative in the development of two manuals: one on organic coffee, and the other on organic cashew. They will complete the marketing and financial sectors.

• Hugo Ramos had several meetings with the Transition Group for the agricultural sector, Amy Angel and Jose Emilio Suadi, along with the Minister and Vice-Minister. These meetings gave the opportunity to discuss the activities and achievements of CRECER and the pending tasks that CRECER still has to accomplish.

• Rigoberto LOpez trained 0 AP A technicians in grain futures markets as well as preparing some case studies for white corn, rice, beans, and grain sorghum.

• Boris Bravo presented a farm management course to CRECERICAMAGRO and CENTA technicians. He also finished his study on the El Nilo dairy cooperative. This case study will serve as an excellent example of how a farm management system should work and details crop planning in relation to dairy herd management: technical aspects and concepts practically unknown in the management of the cooperative where everything was done by tradition or intuition.

II-IO

3/

ANNEXA GENERAL ACTIVITIES

... ~

• ., \II

..

.. , iii

iIIiI

Activities during QII-99

Project Management

Local Personnel changes:

ANNEXA GENERAL ACTIVITIES

• Manrique Medrano, Business Administration Specialist of the Rural Enterprises component finished his contract with this project on April 16, 1999.

• Gloria Portillo, janitor of the project, left on April 16, 1999.

• Marta Salguero was contracted as the new janitor from April 19, 1999.

• Melany Torres was contracted as Office Clerk in a long term basis from May I", 1999.

• Ricardo Rivera was contracted as the new Business Administration Specialist for the Rural Agricultural component from June 2, 1999.

Short Term Local personnel and services:

• Francisco Molina Academic Coordinator of the second phase of the Agribusiness courses to CENT A technicians. He is also coordinating the organization of the "Diplomado en Gesti6n Empresarial Cooperativo" with the National University of El Salvador.

• Rutilio Garda Gathering of information from DAA and INSAFOCOOP cooperatives .

• Edwin A velar Gathering of information from DAA and INSAFOCOOP cooperatives .

• William Calderon Advisor in credit unions legal matters.

UCRAPROBEX production manuals:

• Salvador Palma Organic coffee production specialist

• Marfa Siguenza Organic coffee production specialist

• Jorge Santamarfa Environmental impact evaluation specialist.

A-I

\

.. • Leonel Marquez Coordinator of the group and specialist in charge of the preparation of these documents .

Major equipment procurement:

• I Motorola Radio OM 300 • 3 Dell Computers • 3 Lindo Software packages • 2 SPSS Software packages • 3 Wordperfect v.8 software

ActivitiesProgrammed for QIII-99

'iii Local Personnel changes:

• No projected changes.

A. Rural Agricultural Enterprises

I. New enterprises identification: One service enterprise (APECAFEIUCRAPROBEX)

2. Entrepreneurial diagnosis: Two services enterprises (CONFENACOA-CONSALCOOP)

3. Discussed, accepted and signed agreements: One service enterprise (APECAFEIUCRAPROBEX)

4. Strategic plans: One service enterprise (APECAFEIUCRAPROBEX)

5. Operational plans: Two services enterprises Two agroindustries

B. Non-Agricultural Rural Enterprises

Marketing

• • • •

Continue with publicity campaign Introduction to the market of promotional products for banks and other businesses Search of market for new products Participation in fairs

A-2

iii

~

--------------------------,--

• Advisory to the SES store owners for the management of their products commercialization enterprise

• Search of market for Hammocks produced in Concepcion Quezaltepeque and for the Grupo MOJE's production.

Accounting

• Update accounting system of the IIobasco cooperative according to the accounts catalogue of INSAFOCOOP for cooperatives.

• Accounting assistance to the NahuizaIco, SES, Grupo MOJE and Concepcion Quezaltepeque cooperatives.

Organization

• Assistance to the SES pre-cooperative group for the constitution of their cooperative.

C. Rural Financial Enterprises

Credit and Finances

•

•

•

• •

•

Provide technical assistance on all financial disciplines which are part of the Credit Unions daily operations, within the structural frame of the model cooperative. Continue with the implementation of the organizational structure proposed by a consultant enterprise in the pilot cooperatives. Seminar on delinquency control techniques will be given to the Cus, CRS and UCRAPROBEX personnel. Seminar-workshops on Business plans. .seminar-workshops on PERLAS system management to the CUs and CRS administration personnel and to the members fo the administration boards. Seminar on delinquency recovery and collecting technics.

Marketing

• Instalment of the security and alarm system int he 13 CUs and 6 agencies. • Launch of the children saving account in the CUS. • Launch of the Products, Ruby, Emerald and Diamond accounts. • Launch of the Net Marketing program in August. • Preparation of a multimedia presentation for August and September. • Presentation of the output reports of the marketing database. • Coordinate the new image projection of the western CUs in the "Fiestas JuIias" in .

Santa Ana. • Train all CUs personnel in client service, team work, objections handling, etc.

A-3

Informatics

• • • • • • •

Implementation of the attention to the public phase in the Acaycomac system. Electronic mail installation in all agencies of the CUs assisted by CRECER. Creation of WEB pages to support the Net-Marketing program. Collection of data to be included in the performance reports to AID. Visits and technical assistance to the CUs assisted by CRECER. Follow up meetings on Y2K plans. Assistance in the implementation phase of the Dimimica and Coop-l systems.

D. Sectorial Policy Support

Studies

• Case study of the IV A effects on producers members of Agrocrecer.

Fora and Seminars

• Forum to validate the document prepared by the Rural Development Committee on guidelines for rural development strategy.

• IICNSIADES Agribusiness course

E. Monitoring & Evaluation

• Survey on ketchup consumer habitslEl Castano Cooperative. • Survey on cashew market conditions. • Support to UCRAPROBEX in the selection process of their new logo and slogan

through Focus Groups.

A-4

ANNEXB CONSULTANTS

:.i ~,

ANNEXB CONSULTANTS

Local and expatriate consultancies during QII-99

A. Agricultural Rural Enterprises

• Ian Duncan, follow up of the production, processing and marketing of cashew consultancy

B. Non-Agricultural Rural Enterprises

C.

• Raymond Manoff and Ernest Owens, woodworking consultancy follow up.

Rural Financial Enterprises

•

•

• •

David Richardson, Analysis of FEDECACES capitalization and a presentation to the Financial Commission of the Legislative Assembly about Credit Unions. He also came a second time to develop a consultancy on capitalization and monitoring system. Jose Linares Fontela, marketing consultancy for credit unions on credit and relaunch of financial products. Institutional image relaunch of UCRAPROBEX. Willian Calderon, legal advise to improve credit contracts. Reyes Rubio y Asociados, FEDECACES External Audit Department diagnostic.


• •

•

•

Alexander McCalla, review of the Rural Development Committee" document. Boris Bravo, follow up consultancy in the principles and techniques of farm management. Rigoberto LOpez, development of market models and to provide technical assistance to OAP A personnel. Gabriel Siri, continue with the technical assistance to the Rural Development Committee.

Local and expatriate consultancies projected for QIII-99:

A. Agricultural Rural Enterprises

• Continue with local short term consultants contracted during first quarter. • Mark Gaskell, horticultural production.

B-1

B. Non-agricultural Rural Enterprises

• Raymond Manoff and Ernest Owens, wood design and production specialist visited the Non-Agricultural producers as a follow up of their previous consultancy.

C. Rural Financial Enterprises

• No consultancies projected for next quarter.


• Francisco Hidalgo, to train the members of the Rural Development Committee.

B-2

l

ANNEXC FIELD TRIPS AND VISITS

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ANNEXC FIELD TRIPS AND VISITS

Field Trips during QII-99:

•

•

Christopher Tratman of the World Bank, Carlos Federico Paredes Director and Rolando Cazzali Technology Transfer Manager of CENT AlMAG, visited the AGROCRECER store in Sonsonate on April 8, 1999.

Rafael Cuellar, CRECERJCOTR, USAIDIEI Salvador visited the following CRECER assisted rural enterprises:

- Bosques de Suchitlan cooperative and APROAGRO on April 16, 1999 - El Castano and ADECPRO on April 30, 1999 - SOCOPU and CODEUSMI on May 12, 1999 - El Rescate and RIo Roldan cooperatives on June 9, 1999

No field trips projected for next quarter.

C·l

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ANNEXD TRAINING EVENTS

ANNEXD TRAINING EVENTS

Training events during QI-99:

A. Training Participants and Events

I 'No. of Events' Men , Women

Accumulated to QII-99 490 10900 4026

QII-99 42 1863 282

Total 532 12763 4308

Proiected 011-99 46 570 345

EVENT PLACE

~eeting between FEDECACES/CRECER FEDECACES

Political Commission Meeting r.F. Principal

Political Commission Meeting r.F. Sihuatehuacan

Political Commission Meeting ".F. Favorita

Political Commission Meeting r.F. Unidad

Political Commission Meeting r.F. Avance

Political Commission Meeting C.F. Esfuerzo

Political Commission Meeting r.F. Uniea

Political Commission Meeting r.F. Uno

~grkshop on Operational Plan Model: EI Castano an Salvador

2PerationaI Plan Presentation - EI Castano onsanate

Workshop on legal aspects of the rural enterprises ,\DECPROISonsonate

Seminar on esencial oils extract of wild lemon COMUSlUsulutan

Workshop to present and approve the statuteslProducers Association CRECER onsonate

Legal personality presentation to the Producers Association CRECER onsonate

~rkshop to prepare the Strategic Plan ~I Refugio/San Salvador

Basic tools in computer packages i-J,uachapan

Workshop on practical accounting to the CRECER Producers Association <::.onsonate

Workshop on strategies for the commercialization of agricultural ,\GROCRECERlSonsonate lIld livestock products

Organizational model - CRECER Producers Association ~ENTAISanta Ana

~~rkshop on strategic planning DAA-MAG/San Salvador

Workshop on computer packages handling ESISan Vicente

Agribusiness Courses CENTA technicians - Second phase ~ENT AlSan Andres

Workshop on cost control I RescatelUsulutan

Credit Analysis ..as MarfaslUsulutan

D-I

, Total

,

14926

2145

17071

915

DATE PARTICIPANTS

M F T

04/20199 8 5 13

04/16/99 9 8 17

04121/99 13 6 19

04127/99 9 5 14

05110199 10 3 13

05118/99 12 4 16

05114/99 I I 4 15

0511 2199 9 2 II

01/27/08 14 3 17

04/20199 12 3 15

04116/99 8 II" 19

04/21/99 13 0 13

04/27/99 I I 2

05110/99 522 43 565

OSII8/99 551 31 582

05/14199 12 I 13

05112199 8 I 9

05/26/99 9 2 II

05/26/99 59 6 65

05/27/99 28 2 30

05106/99 I I 6 17

05127/99 9 4 J3

May and 189 41 230 Junel99

06/03/99 24 7 31

06/08/99 15 4 19

EVENT PLACE DATE PARTICIPANTS

M F T Workshop on production costs control rODEUSMllUsulutan 06/22/99 12 4 16

Workshop on SIMPLE system COPADES/San Vicente 06108/99 24 I 25

Dperational Plan for INSAFOCOOP ~acatecoluca 06/04/99 47 8 55

Dperational Plan for INSAFOCOOP an Vicente 06/11/99 26 4 30

pperational Plan for INSAFOCOOP ~ojutepeque 06/18/99 29 6 35

bperational Plan for INSAFOCOOP lobasco 06125/99 28 7 35

egal aspects as Marias/San Miguel 06/12/99 65 36 101

recnicas de A valuo, ADECPRO onsonate 06/17/99 5 I 6

Workshop on feasibility study' PROAGRO/Suchitoto 06/16/99 17 5 22

Workshop on cooperative entrepeneurial formation rONSALCOOP- 06/22199 bONFENACOA, S,S,

35 5 40

bbservational nip to see the organic vegetable production ~as PilaslChalatenango 06/30/99 9 2 II

Products costing lobasco 04/20/99 12 8 20

Analysis and Evaluation of the first year/iiobasco Cooperative l":ojutepeque OS/28/99 12 8 20

Wood finish and quality control an Salvador 05/18/99 14 I IS

ndustrial safety for woodworkers ahuizalco 06/02/99 12 0 12

Horne enterprises an Salvador 06/10/99 0 45 45

1863 282 2145

B. Projected training events for QII-99

EVENT ESTIMATED DATE PARTICIPANTS

Iiow to prepare a trial balanceJIlobasco July 20 How to prepare a trial balancelNahuizalco July 10 How to prepare a trial balance/Concepci6n Quezaltepeque August 10 ~ow to prepare a trial balance/SES August 10

f\nalysis and interpretation of financial statementslIlobasco August 20 IA.nalysis and interpretation of financial statementslNahuizalco August 10

Analysis and interpretation of financial statements/Concepci6n September 10 Quezaltepeque .

Analysis and interpretation of financial statements/SES September 10

"redit managementlIlobasco September 20 rredit managementINahuizaico September 10

~olutions for legal problems July 30 Products marketing program July 15

Promote the agricultural production taking care of the environment July 30 mprove the economical operations register July 15

Marketing technics July 15 Marketing technics July 15

Marketing technics July 15 . Marketing technics Julv 15

D·2

EVENT ESTIMATED DATE PARTICIPANTS

mprove the conditions to grant credits July !O

mprove efficiency and information use July 10 mprove the preparation of investment proposals July 45 mprove the preparation of investment proposals July 45 .

Establish the resources needs for one year July 15 Define an organizational and operational structure July 50 pefine and develop the business mission July 20 !Knowledge and solution of legal problems August 30 mprove the economical operations register August 15 mprove the controls efficiency August 20

Structure products marketing programs August 15 Promote the agricultural production taking care of the environment August 30 mprove efficiency and information use August 10 mprove the rural agricultural enterprises management August 45 ~stablish the resources needs for one year August 15 ~stablish the resources needs for one year August 15 Promote the agricultural production taking care of the environment September 30 Knowledge and solution of legal problems September 30 mprove controls efficiency September 20

Structure products marketing programs September 15 Leadership in agricultural rural enterprises September 15 Leadership in agricultural rural enterprises September 15 eadership in agricultural rural enterprises September 15

mprove efficiency and information use September !O Define an organizational and operational structure September 50 Define an develop the business mission September 20

D-3

ANNEXE INDICATORS

•

ANNEXE INDICATORS

---------------------------~~~~~~--------------------------

Indicators for Agricultnral Rura nterorises A) IE (ER P art I. June/99 - LIFE·OF·PROJECT IN TOTAL %

No. DESCRIPTION UNIT OUTPUTS Q·II THRUII

1 Beneficiaries Persons 10,000 383 11,635 116

• 1. 1 Direct 4,166

1.1. J Sistema Econ6mico Social. SES 156 Men .. Women 143

1.1.2 Comunidades Unidas de Usulutan.COMUS/uPREX 90 Men .- Women 35

1.1.3 Sociedad Cooperativa Productos de Marafi6n. SCPM 268

• Men

Women 103

1.1.4 Comunidades Unidas para el Desarrollo de Usulut"n. 145 .- CODEUSMI Men

Women 68

l.l.5 Sociedad Cooperativas de Productores de Usulut"n 216

!!Ii (SOCOPU) Men

Women III

1.1.6 Sociedad Cooperativa Las Marias 65 - Men

Women 36

1.1.7 Asociaci6n Cooperativa de la Reforma Agraria EI Nilo 42 .. Men Women 3

l.l.8 Procesadcira y Exportadora de Ajonjolf. PREXA 0 .. Men Women 0

• 1.1.9 Asociaci6n Cooperativa de Producci6n y Servicios 22 Multiples. EI Castafio Men

Women 66

iii 1.1.10 Asodaci6n de Productores Agropecuarios. APROAGRO 12 Men

Women 2

iii 1.1.11 Beneficio EI Refugio I UCRAPROBEX 227 Men

Women 45

E-I

LIFE-OF-PROJECT IN TOTAL %

No. DESCRIPTION UNIT OUTPUTS Q-II THRU II

1.1.1 2 Asoe. Coop. de Apieultores del Bosque de Suehithin 18 Men

Women I

1. 1.13 Asoeiaci6n Cooperativa de Producci6n Artesanal de Panela I7 .ACOPADES Men

Women 0

I.LI4 Asociaci6n Salvadorena para la Integraci6n y el Desarrollo, 334 ASID Men

Women 77

1.1.15 Asociaei6n de Desarrollo Comunal EI Progreso, 140 ADECPRO Men

Women 30

1.1.16 Asociaci6n de Produetores, CRECER (West) 321 555 Men

Women 21 33

1.1.17 Confederaei6n Salvadorena de Coopcrativas, 424 CONSALCOOP Men .

Women 160

1.1.18 Confederaci6n Nacional de Cooperativas Agropecuarias, 297 CONFENACOA Men

Women 225

Sub-total Men 321 3,028

Sub-total Women 21 1,138

1.2 Direct through second level organizations 5,809

1.2.1. Sistema Econ6mico Social, SES 704 Men

Women 607

1.2.2. Comunidades Unidas de Usu!utan.COMUS/uPREX 896 Men

Women 910

1.2.3. Sociedad Cooperativa Produetos de Maran6n, SCPM 212 Men

Women 31

1.2.4. Comunidades Unidas para el Desarrollo de Usulutan, 134 CODEUSM Men

Women 70

1.2.5. Sociedad Cooperativas de Produetores de Usulutan 396 (SOCOPU) Men

Women 62

1.2.6. Confederaci6n Salvadorena de Cooperativas, 528 CONSALCOOP Men

E-2

.I LIFE-OF -PROJECT IN TOTAL %

No. DESCRIPTION UNIT OUTPUTS Q-II THRUII

Women 160 .. 1.2.7. Confederaci6n Nacional de Cooperativas Agropecuarias, 706

CONFENACOA Men

lIIi Women 393

Sub-total Men 0 3,576

Sub-total Women 0 2,233 .- 1.3 Direct not affiliated through second level organizations 1,660

1.3.1 Men 30 1.049

1.3.2 Women II 611 .-Sub-total Men 30 1,049

Sub-total Women II 611 ,.. Indicators for Agricultural Rural Enterprises (ERA) Part II. June/99 .. 2 ORGANIZATIONS Enterprises 32 2 34 106

.. 2.1 First Level (Productiou Enterprises) Enterprises 15 0 15

2.2 Second Level (Services Enterprises and/or Agro- Enterprises 15 16 ,.. industries)

2.2.1 Services Enterprises 5 0 8

2.2.2 Agro-industries Enterprises 10 0 8 .. 2.3 Third Level (Regional Enterprises) Enterprises 2 2 3

2.3.1 Western Regional Enterprises I 0 I \II

2.3.2 Para-central Regional Enterprises I 0 0

2.3.3 Others Enterprises 0 2 2 .. .

3 SUSTAINABILITY

3.1 First Level (Production Enterprises)

• 3.1.1 Asociaci6n Comunal Santa Marta (SES) + 1 nlr

3.1.2 Asociaci6n Comunal EI Coyol (SES) + 1 nlr , 3.1.3 Asociacion Comunal La Sabana (SES) + 1 nlr • 3.1.4 Asoc. Coop. de Producci6n Agropecuaria La Piedad + 1 nlr

(COMUS)

loll 3.1.5 Asoc. Coop. de Producci6n Agropecuaria EI Rescate + 1 nlr (COMUS)

3.1.6 Asoc. Coop. de Producci6n Agropecuaria Rio Roldan + 1 nlr (COMUS) -

E-3

LIFE-OF-PROJECT IN TOTAL %

No. DESCRIPTION UNIT OUTPUTS Q-II THRU II i 3.1.7 Asoc. Coop. de la Refonna Agraria La Marafionera + I nlr

(SCPM)

, 3.1.8 Asoc. Coop. de la Refonna Agraria Maquigua(SCPM) + I nlr

3.1.9 Asoc. Coop. de la Refonna Agraria Chilanguera (SCPM) + I nlr

3.1.10 Asoc. Coop. de Producci6n Agropecuaria EI Boquer6n + I nlr (CODEUSMI) ,

3.1.11 Asac. Coop. de Producci6n Agropecuaria Montecristo +1 nlr (CODEUSMI)

, 3.1.12 Asoc. Coop. de Producci6n Agropecuaria Candelaria Nvo. + I nlr Amanecer (CODEUSMI)

3.1.13 Asoc. Coop. de la Refonna Agraria EI Tercio (SOCOPU) + I nlr

3.1.14 Asoc. Coop. de la Refonna Agraria Chaguanlique +1 nlr (SOCOPU)

3.1.15 Asoc. de Coop. de Aprovisionamiento y CnSdilo de Ozallan, + I nlr ACAPAOZ (SOCOPU)

3.2 Second Level (Services Enterprises and Agro-industries)

3.2.1 Services .

I 3.2.1.1 Sistema Econ6mico Social, SES + 1 nlr

3.2.1.2 Productores y Exportadores de Usulullln, UPREX + 1 n/r

3.2.1.3 Sociedad Cooperaliva ProduClos de Marafi6n, SCPM. + 1 n/r

3.2.1.4 Comunidades para el Desarrollo, CODEUSMI. + 1 n/r

3.2.1.5 Sociedad de Cooperativas Producloras de Usulut"n, + 1 n/r SOCOPU

3.2.2 Agro-industries

3.2.2.1 Sociedad Cooperaliva Las Marfas'93 + 1 nlr

3.2.2.2 Asociaci6n Cooperaliva de la Refonna Agraria EI Nilo + 1 nlr

3.2.2.3 Procesadora y Exportadora de Ajonjolf, PREXA + 1 nlr

3.2.2.4 Sociedad Cooperativa de Producci6n y Servicios EI + 1 nlr Castafio.

3.2.2.5 Asociaci6n de Productores Agropecuarios, APROAGRO + 1 nlr

3.2.2.6 Beneficio EI Refugiol UCRAPROBEX + 1 nlr

3.2.2.7 Asac. Coop. de Apicultores del Bosque de Suchillan + 1 nlr

3.2.2.8 Asoc. Coop. de Producci6n Artesanal, ACOPADES. + 1 nlr

3.3 Third Level

3.3.1 Western Region + 1 . nlr

3.3.1.1 Asociaci6n para el Desarrollo Comunal EI Progreso, + 1 nlr ADECPRO

3.3.1.2 Asociac6n Salvadorefia para la Integracian y el Desarrollo, + 1 nlr ASID

3.3.1.3 Asociaci6n de Produclores, CRECER + 1 nlr

E4

LIFE·OF·PROJECT IN TOTAL %

No. DESCRIPTION UNIT OUTPUTS Q·II THRUII

3.3.2 Central Region + 1 nlr

3.3.3 Others (Will be together to get the efforts of the Regional Organization)

3.3.3.1 Confederaci6n Salvadorefia de Cooperativas, + 1 nlr CONSALCOOP

3.3.3.2 Confederaci6n Nacional de Cooperativas Agropecuarias, + 1 nlr CONFENACOA

4 MARKETING

4.1 Marketed product through Second Level Organizations US$ 29,212 1,091,595 ,

4.4 Marketed product by Second Level Organizations US$ 248,338 2,541,702 .

5 AREA Hectares 453 4,595

5.1 Coffee (Organic and conventional) Hectares 0 974

5.2 Organic Cashew Hectares 0 1,587

5.3 Sesame Seed (Organic and conventional) Hectares 0 238

5.4 Basic Grains Hectares 453 1,796

E·5

INDICADORES DE EMPRESAS NO AGRICOLAS ABRIL MAYO,JUNIO DE 1999

No. Descripcion Unidad ResuUado Periodo anterior Periodo reportado Acumulado

1 ~eneficiarios Personas 145 215 215

1.1 birectos personas 74 80 80

1.1.1 Hombres Personas 49 52 52

1.1.2 Mujeres ersonas 25 28 28

1.2 clacionados con la empresa Personas 71 135 135

1.2.1 Hombres ersonas 45 100 100

1.2.2 Mujeres ersonas 26 35 35

2 • mprcsas .*'" mprcsas 10 10 10 10

2.1 roducci6n mpresa 10 9 9

2.2 omercializaci6n mpresa I I I

3 !vIercarleo ( vcntas ) ..

3.1 Produccion mercadeo por em US$ 46,277.32 59,004.80 307,301.55

4 rea IActividad desarrollada mprcsa

rea Produccion 9

4.1 eramica en barre mpresll 10 14 14

4.2 Confecci6n en ropa mpresa I I I

4.3 irotecnia mpresa I I I

4.4 <\rtesanias en madera mpresa 3 . 4 4

4.5 ~sanias en wle v mimbre mpresa 2 3 3

4.6 kamacas mpresa 1 1 I

4.7 elares mpresa I I 1

4.8 Mesanfas en cuero mpresa I I I

4.9 ~arpinterfa rnoresa 10 II II

rea Servicios 1 1

4.10 iendas ..... mpresa a 15 . 15

rea Comercializaci6n 3 , 4. II R1ECRECER ***** mpresa I 3 3

::>tras Empresas 1

4.J2 3RUPO MOJE u .... mpresa 1 I I

IIil * Solo incluye ventas de artesanos de Dobaseo. nAHUIZALCO y de ARTECRECER

** La asesoria ha ido orientada a la organizaei6n y a la Gesti6n Empresaria1 pero a nivel de eonforrnaci6n de una empresa eooperativa

• *** Cada actividad productiva se toma como una empresa. ejemplo se atienden 15 empresarios de tiendas. pero solo se considera al gupo como una empresa.

**** Grupo de j6venes en situaci6n de riesgo ( maras ) quienes reciben asesoria para eonforrnar una sola empresa del gropo.

***** Empresa Cooperativa empresarios de Dobaseo. Cojutepeque. San Sebastian, NahuizaIeo

E-6

%

100

REPORTE DE INDICADORES DE AID . .I GENERADOS POR LOS SISTEMAS DE LAS COOPERA TIV AS

DATOS AL 30 DE JUNIO DE 1999

l1li AHORRANTES ** . Punto de Servicio hombres muieres Total

.J Acacypac 486.00 609.00 1,095.00

Acodjar 849.00 869.00 1,718.00 .. Acacespsa 441.00 591.00 1,032.00

Sihuacoop 643.00 904.00 1,547.00

J Acacme Central 790.00 958.00 1,748.00

Acacme Ahuachapan 135.00 119.00 254.00

Acocomet 997.00 1,047.00 2,044.00

iii Coopuno-Central 2,108.00 2,858.00 4,966.00

Coopuno-ChaJchuapa 2,154.00 2,536.00 4,690.00

, Accovi-cojute 660.00 64.00 724,00

• Accovi-zacate 2,509.00 2,921.00 5,430.00

Accovi-central 5,395.00 6,612.00 12,007,00 .. Acayccomac 849.00 952.00 1,801.00

Acecenta 527.00 478,00 1,005.00 .. Acopacto 432.00 708.00 1,140.00

Acacu 4,397.00 5,319.00 9,716.00

Acacsemersa 2,614.00 2,998.00 5,612.00 III

25,986.00 30,543;00 56,529.00 ..

% hombres % mujeres

44.38% 55.6291

49.42% 50.5891

42.73% 57.2791

41.56% 58.4491

45.19% 54.8191

53.15% 46.85'7<

48.78% 51.2291

42.45% 57.55'7<

45.93% 54.07'7<

91.16% 8.84'7<

4621 % 53.79'7<

44.93% 55.07'7<

47.14% 52.8691

52.44% 47.5691

37.89% 62.11 '7<

45.26% 54.74'7<

46.58% 53.42'7< .

45.97% 54.03,)!

** Este cuadro incluye ahorrantes a la vista y a plazo, se han excluido los ahorrantes que tienen los dos tipos de cuentas para evitar duplicidad de los mismos.

!iii

E·7

r PRESTATARIOS Puntos de Servicio hombres muieres Total % hombres % mujeres

'f!'\cacygac 270.00 338.00 608.00 44.41 % 55.599'<

11'codjar 351.00 392.00 743.00 47.24% 52.769'<

,.\cacespsa 312.00 403.00 715.00 43.64% 56.369'<

ISihuacoop 512.00 716.00 1,228.00 41.69% 58.319'<

~cacme Central 530.00 471.00 1,001.00 52.95% 47.059'<

"",cacme Ahuchapan 82.00 85.00 167.00 49.10% 50.909'<

I ~cocomet 206.00 198.00 404.00 50.99% 49.019'<

.oopuno-Central 854.00 1,244.00 2,098.00 40.71% 59.299'<

I Coopuno-Cha1chuaIJa 893.00 1,107.00 2,000.00 44.65% 55.359'<

j~CCovi-coiute 172.00 116.00 288.00 59.72% 40.289'<

TAccovi-zacate 829.00 969.00 1,798.00 46.11 % 53.899'<

\ccovi-central 1,502.00 1,688.00 3,190.00 47.08% 52.929'<

""cayccomac 926.00 1,035.00 1 ,961.00 47.22% 52.789'<

I '\cecenta 316.00 219.00 535.00 59.07% 40.939'<

!ojII\copacto 278.00 541.00 819.00 33.94% 66.069'<

I Acacu 1,495.00 1,468.00 2,963.00 50.46% 49.549'<

,\cacsemersa 1,487.00 1,884.00 3,371.00 44.11% 55.899'<

r • 11,015.00 12,874.00 23,889.00 46.11 % 53.899'<

E-8

PRESTATARIOS<300 Puntos de Servicio hombres muieres Total % hombres % mujeres

· Acacypac 18.00 81.00 99.00 18.18% 81.82~

Acodiar 160.00 259.00 419.00 38.19% . 61.81 ~

Acacespsa 176.00 231.00 407.00 43.24% .56.76~

Sihuacoop 60.00 86.00 146.00 41.10% 58.90~

• Acacme Central 35.00 37.00 72.00 48.61% 51.39~

Acacme Ahuachapan 2.00 5.00 7.00 28.57% 71.43~

Acocomet 23.00 24.00 47.00 48.94% 51.06~

Coop Uno-Central 112.00 164.00 276.00 40.58% 59.42~

· Coop Uno-Chalchuapa 205.00 270.00 475.00 43.16% 56.84~

· Accovi-cojute 6.00 4.00 10.00 60.00% 40.00~

Accovi-zacate 96.00 . 115.00 211.00 45.50% 54.50~

Accovi-central 242.00 261.00 503.00 48.11 % 51.89~

Acayccomac 32.00 56.00 88.00 36.36% 63.64~

Acecenta 62.00 45.00 107.00 57.94% 42.06~

, Acopacto 14.00 27.00 41.00 34.15% 65.85~

Acacu 282.00 227.00 509.00 55.40% 44.60~ • 2,087.00 3,252.00 5,339.00 Acacsemersa 39.09% 60.91 ~

3,612.00 5,144.00 8,756.00 41.25% 58.75~

E-9

PRESTAMOS<300 hombres mujeres Total % hombres % mujeres

Acacypac 3,745.76 10,307.00 14,052.76 26.65% 73.35'11

Acodjar 43,266.99 87,684.52 130,951.51 33.04% 66.96'11

Acacespsa 279,418.42 303,354.87 582,773.29 47.95% 52.05'11

Sihuacoop 91,050.00 141,694.00 232,744.00 39.12% , 60.88'11

· Acacme Central 57,350.00 63,250.00 120,600.00 47.55% 52.45'11

Acacme Ahuachapan 3,500.00 8,500.00 12,000.00 29.17% 70.83'11

! Acocomet 31,130.00 36,859.00 67,989.00 45.79% 54.21 '11 · Coop Uno-Central 110,851.89 139,113.06 249,964.95 44.35% 55.65'11

· Coop Uno-Chalchuapa 96,702.00 170,021.00 266,723.00 36.26% 63.74'11

· Accovi-cojute 2,379.38 4,323.85 6,703.23 35.50% 64.50'11

Accovi-zacate 49,985.07 48,479.11 98,464.18 50.76% 49.24'11

• Accovi-central 105,141.03 78,156.87 183,297.90 57.36% 42.64'11

Acayccomac 10,256.00 8,956.23 19,212.23 53.38% 46.62'11

Acecenta 206,404.04 JI9,854.04 326,258.08 63.26% 36.74'11 · Aco~acto 54,037.88 19,765.17 73,803.05 73.22% 26.78'11

Acacu 212,586.47 246,831.97 459,418.44 46.27% 53.73'11

Acacsemersa 183,329.53 360,315.43 543,644.96 33.72% 66.28'11

1,541,134.46 1 847,466.12 3,388,600.58 45.48% 54.52'11

E-I0

t

ANNEXF ORGANIZATIONS ASSISTED BY AND RELATED TO CRECER

ANNEXF ORGANIZATIONS ASSISTED BY AND RELATED TO CRECER

A. Rural Agricultural Enterprises

• Services:

- Sistema Econ6mico Social, SES - COMUS/uPREX - Sociedad Cooperativa Productos de Maran6n, SCPM - Comunidades para el Desarrollo de Usulutan y San Miguel, CODEUSMI - Sociedad de Cooperativas Productoras de Usulutan, SOCOPU '

• Agroindustries:

- Las Marias '93 - Cooperativa EI Nilo I - Procesadores y Exportadores de Ajonjoli, PREXA - Cooperati va EI Castano - Asociaci6n de Productores Agropecuarios, APROAGRO - Productores de Miel - EI Refugio -ACOPADES

• Regional Organization:

- Asociaci6n para la Integraci6n y el Desarrollo, ASID - Asociaci6n de Desarrollo Comunal EI Progreso, ADECPRO - Asociaci6n de Productores de Occidente, CRECER - Confederaci6n Salvadorefia de Cooperativas, CONSALCOOP - Confederaci6n Nacional de Cooperativas Agropecuarias, CONFENACOA

C. Non-Agricultural Rural Enterprises

- Cooperativa CRECER de Nahuizalco - Asociaci6n Cooperativa de Empresarios CRECER, ACEC de llobasco -Grupo MOJE - Cooperati va de Hamaqueros _ Grupo pre-cooperativo de Tenderos del SES

F·l

D. Rural Financial Enterprises

• Credit unions:

- Cooperativa Financiera Progreso, ACACYPAC - Cooperativa Financiera Avance, ACACESPA - Cooperativa Financiera Nuevo Siglo, ACA YCCOMAC - Cooperativa Financiera Principal, ACACSEMERSA - Cooperativa Financiera Uno, COOP-UNO - Cooperativa Financiera Unidad, ACODJAR - Cooperativa Financiera Uni6n, ACACU - Cooperativa Financiera Unica, ACOCOMET - Cooperativa financiera Sihuatehuacan, SIHUACOOP - Cooperativa Financiera Dinamica, ACCOVI - Cooperativa Financiera Favorita, ACOPACTO - Cooperativa Financiera El Esfuerzo, ACACME - Cooperativa Financiera solidez Total, ACECENTA

- Federaci6n de Cooperativas de Ahorro y Credito de El Salvador, FEDECACES

E. Sectorial Policy Support

- Ministerio de Agricultura y Ganaderfa, MAG - Oficina de Analisis de Polfticas Agropecuarias, OAP A - Departamento de Asociaciones Agropecuarias , DAAlMAG - Instituto Salvadoreiio de Fomento Cooperativo, INSAFOCOOP - Bolsa de Productos Agropecuarios de El Salvador, BOLPROES - Camara Agropecuaria y de la Agroindustria de El Salvador, CAMAGRO - Centro Nacional de Tecnologfa Agropecuaria y Forestal, CENT A - Comite de Desarrollo Rural, CDR

l1li-

F-2

fb-a-bu -o~s crecer iiio-:(~j

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