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Accueil du site → Master → Pays Bas → 2012 → Contribution of Decentralized Financial Systems to increase farmers’ income in Burkina Faso. A case study of FINACOM credit at Zoungou, Province of Ganzourgou

Van Hall Larenstein University of Applied Sciences (2012)

Contribution of Decentralized Financial Systems to increase farmers’ income in Burkina Faso. A case study of FINACOM credit at Zoungou, Province of Ganzourgou

OUEDRAOGO Moussa

Titre : Contribution of Decentralized Financial Systems to increase farmers’ income in Burkina Faso. A case study of FINACOM credit at Zoungou, Province of Ganzourgou

Auteur : OUEDRAOGO Moussa

Université de soutenance : Van Hall Larenstein University of Applied Sciences

Grade : Master of Development, Specialization Rural Development and Food Security 2012

Résumé _ This research is about the impact of micro-credit provided by Decentralized Financial Systems (DFS) on income improvement of farmers in Zoungou in Burkina Faso. In Burkina Faso, several NGOs are engaged in micro-finance activities, among which the Office de Développement des Eglises Evangéliques (ODE). ODE set up a DFS in 2010 called FINACOM which gives small loans to rice farmers to invest in Income Generating Activities (IGAs). These farmers are former ODE beneficiaries and farmers of Zoungou are among them. Among the IGAs are cow fattening, purchasing and reselling of agricultural products (cowpea, groundnut, paddy rice) and horticulture production. The aim is to improve the living conditions of farmers by increasing household income through small credits. After two years, 644 loans of CFA F 110,675,000 were given to male and female rice farmers. The objective of this research was to assess the contribution made by micro-credit on farmers’ income improvement and how sustainable is the micro-credit scheme for farmers and FINACOM. For this, the following research questions were formulated : 1. What was the income situation of beneficiary farmers at Zoungou before the intervention ? 2. What is the current income situation of beneficiary farmers at Zoungou ? 3. How has the income situation of non-beneficiary farmers evolved at Zoungou for the past two years ? 4. What are the characteristics of FINACOM microcredit scheme ? 5. To what extend is the micro-credit scheme sustainable ? To answers these questions, individual interviews with beneficiaries, ODE staff and one focus group discussion were carried out. The focus group discussion consisted of 2 members of the credit committee, 3 members of the cooperative board and 5 beneficiaries. The 25 respondents interviewed were selected among the beneficiaries and the non-beneficiaries of FINACOM credit. Concerning ODE staff, the programme officer, the director of FINACOM and the field worker selected were. They were selected for their role in the credit programme delivery.

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