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1.0 Introduction:
1.1 Implementing Organization:
The capacity Building and Empowerment Project of Rural Women in Jinja District will be implemented by KYOO is a Community Based Organization registered with the Non-Governmental Organization, (CBO) Board.

1.2 Project Location & Target Group
The Capacity Building and Empowerment Project is located in Jinja District of Uganda. The Project covers the counties of Kagoma, Butembe and JMC. The project is to involve 100 poor rural women from the two counties of KabaroleDistrict.

1.3 Organization’s Location Address:
Headquarters are located at NYAIKA Plot 2 in Kabarole town in Jinja District. It operates in Kabarole District. The Postal Address is P.O. Box 589, Kabarole, Uganda. Our E-mail address is:
1.4 Mission/Vision
The vision of KYOO is to build a vibrant, efficient and sustainable Revolving Fund Programme which will promote economic and social development of the economically active poor people in Jinja district and elsewhere, by building their capacity through training and non-formal education and improving their opportunities to access and to eradicate the root causes of poverty in local communities so as to enable them attain self reliance and sustainability by setting up viable / profitable micro business to generate income for their families.

KYOO is dedicated to reducing poverty by helping the lowest income rural people, and the economically active poor people in Kabarole District to start or expand micro businesses.

2.0 Aims and Objectives of the project:
2.1 Goal/Aim:
To empower and build capacity of economically active poor women and youth by providing them with training is business and management skills and providing them with the Revolving Fund.

2.2 Objectives:
- To extend a Revolving Fund to members of the local communities of the economically active poor women (Bankable poor) in the age of 18 – 60 years old, so as to empower them engage in income generating micro projects and businesses for their families.
- To channel at least 90% of the Revolving Fund to economically active poor women, women groups and youths whose monthly income do not exceed UG 300,000= or US $ 172 per month.
- To mobilise and motivate the rural economic poor people set up self-help income generating projects by training them in entrepreneurial and business skills.
- To liberate rural women from economic bondage / dependency and poverty and from marginalization so as to liberate them economically.

3.0 Organisation Review and Profile of KYOO
3.1 General Information
KYOO provides basic training education and Functional Adult Literacy and Credit extension so that under employed and marginalized rural women can create or expand Micro Businesses they plan and manage themselves to generate income for their families / households. The objective is to liberate rural women and youth from marginalisation, socially and economically and to own the means of production.

The Capacity Building and Revolving Fund Programme is based on the assumption that these poor people already have the capability and ingenuity (business idea) to create viable micro-enterprises. With the KYOO start-up capital and training, they can make this potential a reality. The BIDE Revolving Fund Programme also emphasizes strengthening business skills so that entrepreneurs are better equipped to sustain and expand their micro businesses. KYOO funded businesses are based on products or services that people know how to make or do, for which there are local markets.

The KYOO programme is implemented by a team of trained Field Officers and Trainers who love their work and their clients to help them develop their micro-enterprises. The Trainers and Field officers facilitate the Credit programme including vetting, selecting and training the needy entrepreneurs, approving business plans, monitoring and supervising credit and loan tracking activities and reporting to head office.

3.2 What we have: Our Present Strengths:
- We have 10 Trainers / Trained Credit / field Officers who carry out training in group formation, group management & group dynamics, savings and Business Management Skills and Pre-loan disbursement education. The Credit programme is headed by the Director assisted by the Treasurer / Credit Manager and Program Coordinator.

- We have a network of close to 200 Clients and beneficiaries who are part of our outreach with 40 beneficiary groups. 20 More local rural groups i.e. 100 rural women have been identified from the many applicants and need training and later credit extension in the first quarter of the new year.

- We have a geographical outreach/coverage of Jinja District.

3.3 Needs:
Present problems and challenges
1. Inadequate funds to enable us train more needy women groups in: entrepreneurial/Business management skills, record / book keeping skills, savings culture, making business plans, group management & group dynamics and functional & Adult Literacy skills.

2. Inadequate funds to acquire enough training materials and equipment: stationery for training, hire of training venues, refreshments for participants and production of workbooks for each beneficiary during the training.

3. Inadequate funds for logistics, including transport and communication.

4. Our quarterly target is to train 20 groups of clients each quarter of the year. Our target in the next year, 2010 is to reach, train empower and serve including extending Revolving Fund to further 80 groups of women and youth i.e. approximately 400 clients / beneficiaries by the end of the year. This would bring our total commitment for the whole programme to about 600 clients.

3.4 The KYOO Proposition / Group Lending Methodology:
Our Revolving Fund lending programme is based on group lending methodology where needy solidarity groups of 5 people or more form a borrowing group, but each person has her own business to start or run. The group members co-guarantee each other’s loans. There is no collateral, as the poor women and youth lack assets to stake for the loans. But the group members use peer pressure to ensure loan repayments are done on time and in full. A built in saving scheme enables the poor women and youth grasp the essence of savings and to experience a process of financial discipline for 1 to 2 months period. Savings are handled and managed within and by group members and their group leaders. The groups are encouraged to open up Bank Accounts with commercial banks of their own choice to keep this savings, before they are transferred to us for custody. At least 15% of the required loan should be saved before loans applied for are processed and disbursed to the groups. Business counselling and training continues throughout the loan term provided by Group Mentors and Field Officers.

Our organisation teaches /trains the women groups how to make small savings every week and acquire financial discipline for a period of 4 to 8 weeks in order to accumulate 15% of the required loan. Credit will then be extended to the project beneficiaries. This savings therefore do provide some level of security to our program for the loans and are therefore caveated by our organisation during the loan period. Our repayment rates are 96%. Hence keeping in line with the best practices in the Micro finance Industry.

Therefore the following conditions obtain under our Credit Extension program:
1. Ownership : The beneficiaries identify and plan the businesses
2. Local Resources : They secure savings / local necessary resources i.e at
least 15% of the required loan as their savings and as own equity.
3. Time and Energy : They each work a minimum of 6 hours per day on
their micro-businesses.
4. Self sufficiency : They anticipate a profit.
5. Reinvestment : They invest at least 20% of the profit in the enterprise.
6. Growth : They anticipate a continuing and expanding level of
self employment.
7. Domestic consumption: They use at least 30% of the net profits into buying
and providing nutritious foods and a balanced diet to their children / families/households.

8. Accountability : They report on their businesses and its results.

The loan beneficiaries submit a business plan which is first appraised at group level before being sent to our organisation for appraisal before receiving the first cycle of loan of US$ 100. They receive the second cycle of loans after submitting a business report, which demonstrates that they have kept records, have established viable enterprises and met program requirements. The clients continue to save in order to qualify for the next higher loan in the next cycle. Loan periods are between 4 to 6 months. A minimal interest rate of 3% per month is charged on the loans to enable the programme meet its operational costs and to address the need for sustainability strategy and expand its capital base to serve more clients.

In the first quarter of the New Year, 20 new organised groups have been identified by our Field Staff and need capacity building /training and later credit extension. These are the groups for which the grant is sought.

Therefore our Credit Programme provides low-income women and youth, the opportunity to establish profitable micro-businesses and increase their incomes, helping them to meet their families’ basic needs. In addition they develop organisational, leadership, entrepreneurial, management and business and book keeping skills, the ability to save and re-invest, and increased confidence in themselves and their future.

3.4.1 Performance of Group Lending Methodology:
- Our organisation has reached the clients identified in the mission of the organisation conveniently and efficiently.
- The organisation is reaching a significant number of the poor; although the demand for our services and products far outstrips our available resources. Hence a need to have more capital resources to empower and step up our training component.

3.4.2 Use for which the funds are requested:
The grant component we want funding for is primarily for providing training and logistics and Revolving Fund to rural, marginalized women borrowing groups.

Capacity building and training will be carried out in the following areas:
- In Group Management / Group dynamics
- In entrepreneurial skills development
- In micro-projects investment/Business management
- In Book-keeping skills and
- In savings mobilisation to enable them access Revolving Fund to improve on their income and income generation for their families/households.

Hence economically and socially empowering them and building their capacity to provide for their families.

It is largely believed that one of the impacts of the grant support will be to increase self-respect and esteem among the local women and hence liberating them economically, physically, and socially.

3.4.3 Beneficiaries of the anticipated grant project funds:
The beneficiaries will be 100 poor rural / needy women in KYOO District.

3.4.4. Intended benefits to the beneficiaries:
- Building capacity in skills such as entrepreneurial/business management skills, leadership skills.
- Empowering beneficiaries economically towards self-sufficiency to enable beneficiaries generate enough income for their households.
- Social emancipation of rural women (they will learn leadership skills and group organisation and management) to enable them participates fully in the social and economic life of this country.
- Acquisition of literacy and functional skills, credit with education will equip functional skills and literacy skills to needy women since this will be incorporated as a training component. They will be able now to identify, buy or grow and provide nutritious foods for their children to combat malnutrition and marasmus and feed a balanced diet to their households.
- They will mobilise savings, build and internalise a culture of savings and develop financial discipline through systematic and spontaneous savings under the credit programme.
- Young women with no capital or incomes who would otherwise resort to a life of crime e.g. prostitution would now become economically productive and escape temptations of promiscuity and risking HIV/AIDS.

3.5 Resource Requirements:
• Funds are required to conduct and facilitate training to 100 rural women in 60 groups.
• Funds for logistical support, such as for training venues, accommodation for facilitators, meals, refreshments, transport, fuel, stationery, typesetting, typing and printing, photocopying, and binding workshop materials.

In addition to grant support, the following sources will also be considered to sustain the programme.

• Internal sources such as retained earnings and surplus from the lending program will need to be ploughed back, to increase the loan portfolio / capital base.
• In addition, external sources of funds such as soft loans and commercial loans will also be used to finance the planned development.

3.5.1 Source of our present funds
Our organization has been able to get some funding and or logistical support from the following sources:

• Loan from BUDA – a local NGO
• Local savings from members – locally mobilised savings
• Board members’ contributions.

3.6 Project costs and capacity
We project program revenue to fully cover all project operational and financial cost by June 2013 as we have now started charging cost effective interest rate of 3% per month. The project already possesses 1 saloon car, 1 motorbike and 10 bicycles for field staff. In addition there are several women and youth groups throughout the district, which form the backbone of our lending program. This interest rate is readily and happily accepted by our clients. The 3% interest rate fully covers cost of capital (at the opportunity cost, including inflation), administration, loan losses and a minimum return on equity.

3.6.1 Movement towards financial independence
Our staff are already trained in Micro-finance best practices and loan tracking systems. In addition, government policy which favours decentralization of services and the setting up of village banks, rural credit schemes and micro-finance institutions have greatly favoured our operations. The passing of the Micro-Financing Bill into a law will greatly favours Micro-Finance operations in the country.

3.6.2 Portfolio quality
Given our high repayment rate of 96% and expected to raise to 98% by the end of the year we hope to maintain a portifolio quality with arrears low enough and that late payments and default do not threaten the on going viability of the project. We project that loan in areas of over 30 days to be below 3%.

3.6.3 Project self-sustainability
Our micro-credit program is projected to fully reach self-sufficiency by December 2012 in three years’ time. An increased clientele will mean more interest revenue for the program, which will contribute to a growing revolving fund and a reduced cost per unit of loan lent. Measures to be taken to reduce long-term dependence on grants and subsidies will include re-capitalizing our loan portfolio by ploughing back interest earned from the loan-lending programme. At the same time we shall also turn to borrowing from banks to increase our loan portfolio base. With our growth plan, we are fully set to become self-sustainable by the end of the year 2012 and to attain operational efficiency at the beginning of April 2012.

A loan loss reserve fund of 5% of the loan portfolio will be set aside to insure any bad debts. This money will be put on a Fixed Deposit Account at a Commercial Bank to earn us a fixed deposit interest rate of 5% per month. As a measure to safeguard against bad debts. Then we plan to take an Insurance Policy and Insurance Programme and the clients’ loans with a local Insurance Company.

Other savings, such as compulsory and voluntary savings of 15% of amount required for loan from client will also be deposited on fixed accounts with commercial banks to earn interest. Careful loan portfolio management and loan tracking will be applied to enhance portfolio quality. Already 5 staff have been trained in loan tracking and MFI best practices.

Our Revolving Fund programme hopes to build a solid and growing fund base with clear business plans, backed by operational capacities that lead to mobilisation of commercial funds from depositors and the financial system and eventually to full independence from donor support by the end of the year 2015 by generating its own income and enough to sustain the programme.

3.6.4 Activities this year 2011
- Have trained 20 New Groups of 100 rural women clients. The clients were reached in locations such as the cub-Counties of Butagaya, Budondo, Mafubira, and Walukuba/Masese in Jinja district.
- The rural women were able to access the first cycle of loans of US $ 100 each. Totalling US. $ 10,000.
- Three of our Field Officers attended one-week training workshop in Micro-Finance Best Practices organised by AMFIU – Association of Micro Finance Institutions of Uganda.
- Trained 35 women in business skills and group management.
- We are also involved in women and youth energy saving and conservation projects.
- We are also involved in Reproductive Health and HIV/AIDS by helping parents improve adolescent health by addressing the needs of young adolescents and youth injecting drug users.
- Under the program Bake for Life from Holland, we train rural women how to bake bread, bans, pans and doughnuts as an income generating activity.

3.6.5 Our Future plans
- To expand our Revolving Fund Program to target all the clients we train and to have continuous follow up. With more financial and logistical support we hope to increase numbers of groups to be trained monthly and to access more rural areas to reach more women.
- To expand our capacity building / training program to gain more capacity by recruiting more field/ training staff. Also to acquire more equipment for training, such as video, camera, digital camera, overhead slide project, etc.
- To add the widows and orphan empowerment component on Revolving Fund Program to Widows, orphans and / or orphan households to be assisted / empowered to be self reliant:
- To introduce new products / services such as health insurance scheme (micro-care) for micro-credit clients in conjunction with relevant service providers.
- To take up insurance scheme for our Revolving Fund Program so as to ensure and maximise all our local repayments to 100%.
- To expand to neighbouring districts of Kamuli, Mayuge and Iganga by the year 2015.
- Service additional 400 Rural Poor women clients in the year 2009 directly with:
i) Training in basic business skills and
ii) Provide and extend to them Revolving Fund to invest in their micro-enterprises.

4.0 Purpose of the grant being applied for:
(a) The grant we are applying for will enable our Community Based NGO achieve the following:

- Train and serve 100 Rural Poor women clients directly with:
i) Training in basic business / entrepreneurial skills / micro-business management.
ii) Provide and extend to them Revolving Fund to invest in their micro-enterprises.

 To build our capacity to provide more services to the low income local women, more efficiently. To increase numbers of rural beneficiaries who will have access to our much needed services.
 Expand our outreach. We shall be able to expand our geographical coverage to more remote sub-counties in more remote areas where there is greatest need for empowerment of poor rural women – where credit and business skills are much needed.
 Promoting the grassroots women in the economic and social development of their lives e.g. developing and replicating new models for community investment.
 Introduce financial products and services to the targeted communities.
 Acquire enough materials for training and business counselling.
 Improve the following:
- Increase our loan capital base / loan revolving fund.
- Improve service deliver
- Improve operation efficiency
- Enhance our monitoring and supervision capabilities.

(b) The grant will enable the poor rural women beneficiaries achieve the following:
- Access training from our staff and experienced professional training providers in business skills and business management.
- Access credit for their micro-business, leading to increased incomes for participating households and better nutrition.
- Access high quality financial services and products.
- Get empowered socially and economically.
- Access functional Literacy Education.
- Increased self respect and esteem among rural poor women clients who will strive to succeed and overcomes poverty.
- Alleviation of poverty from their midst.
- Will acquire financial discipline and learn how to save and invest.
- Through such empowerment, the project will enhance local level participation of the grassroots population (women) in local policy.

5.0 Training Curriculum & timing
There is an established training curriculum covering 2 weeks period for new groups. A summary of the contents of which are attached as Appendix 2. The details of the timing / timetable can be availed upon request.

6.0 Work-plan
The actual training of the women could start as soon as grant funds are got. The training will take a period of 2 weeks to accomplish. In the meantime the women trainees will continue to save regularly every week so as to accumulate 15% of required loan each by the end of the training to be ready to receive the Revolving Fund loans. Loan disbursements to the women could start as soon as the training is over.

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Ani chybi niepodobna rodzicow czesto zakupie gier na rzecz przychowek. gry dla dzieci To w tym miejscu przewaznie na ich wielorakosc komputera. Ludzie mlodzi zbiorowosc ludzka spedzaja mnostwo czasu zaledwie do grania w takie gry, w takim razie gry dla dzieci na bank podoba sie im takich prezentow.

Toz ogol powinno dysponowac osobiste granice. Niepodobna zabronic dzieciom uzywania komputera lub konsoli, dzieci pomimo tego trzeba sprawdzac godzina, ze nasze dzieci spedzaja w ten sposob. Jezeli tak jest, przykladowo godziny na dobe, nie jest spory sprawa. W pewnych przypadkach ludzie mlodzi populacja piosenki dla dzieci moga odgrywac na komputerze czy konsoli, nawet ponad dziesiatka godzin dziennie. Ta usytuowanie jest poprzednio niepokojace, natomiast rodzice powinni zastrzec sobie, izby ich dzieci gry dla dzieci uprzedni rowniez alternatywnych zrodel rozrywki. Gry dla przychowek nie furt jest z komputerem, jednakze co niemiara innych rodzajow rozrywki, ze mlodzi gry dzieci zbiorowosc ludzka sa w znacznym stopniu lepszy efekt. Zbyt piosenka dla dziecka w wielu przypadkach odbywac w wirtualnym swiecie nie jest dobre i rowniez powinno istniec ograniczone piosenki dla dzieci az do rozsadnych ramach czasowych.

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