NL-KVK-41150939-8773 Solidaridad Europe Agricultural advise, market information, and access to finance provided to cocoa and palm-oil farmers in Ghana **Sat4Business will support over 140.000 Ghanaian cocoa and palm-oil farmers to increase their food production, income, and job creation with the establishment of Sat4Business information products and credit support services. Farmers will receive information on market prices, weather, agricultural and agronomic tips, as well as get access to financial services such as pensions, insurances, and loans.** Ghana is the world’s 2nd largest producer of cocoa globally. The Sat4Business project area constitutes about 90% of cocoa produced in Ghana (COCOBOD, 2015/16 production data) and accounts for about 86% of oil palm planted in the country. This is an indication of favourable climatic conditions for these crops, and how relevant improving the productivity in these regions will positively influence the national production levels. Netherlands Space Office Solidaridad West Africa Akvo Foundation Financial Access Consulting Services BV Ministry of Food and Agriculture Ghana Satelligence Esoko Ghana Solidaridad Europe Solidaridad Europe Ministry of Food and Agriculture Ghana Solidaridad West Africa Akvo Foundation Esoko Ghana Financial Access Consulting Services BV Satelligence Akvo Foundation Akua Benewaa Okrah akuabenewaa@solidaridadnetwork.org Nii Sai Road, East Legon, Accra 5.6037168 -0.1869644 4240933.00 446764.00 Netherlands Space Office Solidaridad Europe 415550.00 Netherlands Space Office Solidaridad West Africa 407747.00 Netherlands Space Office Solidaridad Europe 414932.00 Netherlands Space Office Solidaridad Europe 372497.00 Netherlands Space Office Solidaridad Europe 261412.00 Netherlands Space Office Solidaridad Europe 257655.00 payment upon termination of the programme Netherlands Space Office Solidaridad Europe 446764.00 Netherlands Space Office Solidaridad Europe 415550.00 Netherlands Space Office Solidaridad Europe 407747.00 Netherlands Space Office Solidaridad Europe 414932.00 Netherlands Space Office Solidaridad Europe 866977.00 Solidaridad Europe Solidaridad West Africa 388875.00 Solidaridad Europe Satelligence 149308.00 Solidaridad Europe Akvo South Asia 514131.00 Solidaridad Europe Esoko Ghana 462292.00 Solidaridad Europe Financial Access Consulting Services BV 215630.00 Solidaridad Europe Solidaridad West Africa 54334.00 Solidaridad Europe Satelligence 22659.00 Solidaridad Europe Akvo South Asia 44245.00 Solidaridad Europe Esoko Ghana 80249.00 Financial Access Consulting Services BV Financial Access Consulting Services BV 142205.00 Solidaridad Europe Solidaridad West Africa 64568.00 Solidaridad Europe Satelligence 23919.00 Solidaridad Europe 57786.00 Solidaridad Europe Esoko Ghana 92962.00 Solidaridad Europe Financial Access Consulting Services BV ​ Number of food producers that have received direct and indirect education (via services provided within the project). Same as indicator 5a. ​ 11-09-2020: This number of food producers were profiled for credit scoring in year 1 of the project. The first year involved a pilot of nearly 5000 farmers. The next year will compensate for the gap compared to the targeted number of farmers. ​ Number of SMEs that have received direct and indirect education and/or training. Direct = Call centre and SMS. Indirect = Radio and directly reached farmers. 11-09-2020: No SME was engaged in year 1 of the project. Plans are underway to enrol 12 SMEs onto the platform in year 2 of the project. These SMEs will be trained on how to access and use the service platform to provide various input, farm management, marketing, extension, storage and ICT services, among others, to the farmers onboarded to the platform. Number of FSPs that enroll to the platform. 11-09-2020: In the first project year, there are no financial service providers that officially onboarded to the platform. However, Advans has expressed interest and contributed $7,500 as commitment, and an Memorandum of Understanding (MoU) is expected to be signed in year 2 of the project. Number of food producers that have received direct education (via services provided within the project). Direct = Call centre and SMS. 11-09-2020: This is the number of food producers that received training via the Esoko call centre. These food producers received introductory Sat4Business messages, and introductory messages on Good Agronomic Practices (Cocoa) and Best Management Practices (Oil palm). Number of food producers that have received indirect education (via services provided within the project). 11-09-2020: No indirect training was provided in the first project year. Indirect beneficiaries will be targeted in year 2 and year 3. The project plans to reach about 50,000 indirect beneficiaries in year 2. Also, community information centre programmes and FM radio programming is due to commence in year 2. In addition, an annual survey will be conducted to estimate the number of indirect beneficiaries trained/educated via community radio and FM radio programming. Number of food producers that have received direct and indirect education (via services provided within the project). (same as indicator 1a) 11-09-2020: These farmers have received profiling services (from Solidaridad West Africa) and credit scoring services (from Financial access) in the first project year. Number of farmers who received at least 70% of the Call centre calls. For every Call centre call deployed, a report is generated, so the number of calls that farmers have received is known. (listenership). By using the services is meant using 1 or more of the following: 1) Farmers listen to Call centre calls (at least 70% of the Call centre calls). 2) Farmers have a subscription (through Esoko system) to receiving SMS messages. 3) Listening to radio programmes. The radio station will have listenership reports (number of people that tuned into a frequency at a certain time). 11-09-2020: These farmers have received profiling services (from Solidaridad West Africa) and credit scoring services (from Financial Access) in the first project year. Number of ha of agricultural land possessed by (direct) farmers that use the services (Call centre, SMS, radio). 11-09-2020: This refers to the area of agricultural land possessed by the 4,818 profiled food producers (cocoa and oil palm farmers). Number of SMEs and financial institutions that use the platform to provide services to famers. 11-09-2020: Indicator changed with approval from NSO. Changed (from: ‘Total number of individual subscriptions (1st order users)') to: ‘Number of entities using the platform’. No SME or FSP has been officially onboarded onto the platform. Advans has expressed interest and contributed $7,500 as committment. An MOU is expected to be signed in year 2 of the project. The average of the directly reached farmers applied as average to the indirectly reached farmers. 11-09-2020: This refers to the area of agricultural land possessed by the 4,818 profiled food producers (both cocoa and oil palm farmers). 11-09-2020: No service provider was enrolled in year 1. The program seeks to onboard service providers in year 2. Number of farmers that benefit from the platform. Counting the number of farmers who receive financial or information services from the joint venture platform. 11-09-2020: These farmers have received profiling services (from SWA) and credit scoring services (from Financial Access) in year 1. The average of the directly reached farmers applied as average to the indirectly reached farmers. 11-09-2020: This refers to the area of agricultural land possessed by the 4,818 profiled food producers. 11-09-2020: These farmers have received profiling services (from SWA) and credit scoring services (from Financial Access). Number of farmers that are registered on the platform 11-09-2020: These farmers have received profiling services (from SWA) and credit scoring services (from Financial Access). The average of the directly reached farmers applied as average to the indirectly reached farmers. 11-09-2020: This refers to the area of agricultural land possessed by the 4,818 profiled food producers. 11-09-2020: All 4,818 profiled food producers are suscribed to the credit scoring services. Number of farmers that are registered on the platform. 11-09-2020: This refers to the land size of the 4,818 farmers profiled in year 1. 11-09-2020: All 4,818 profiled food producers are suscribed to the credit scoring services. ​ Number of food producers with improved food production as a result of using the service(s) provided within the project. The % from the sample will represent the population. Base the number value on that. 24-11-2020: This is zero (0) because the intervention does not exist during baseline % yield increase in kg/ha (cocoa) % yield increase in kg/ha (oil palm) Number of food producers with effective use of inputs as a result of using the service(s). At baseline level we can estimate the % of farmers using inputs effectively. We compare that to mid-line and endline values. Defining 'effective use of inputs': for cocoa and oil palm there is a recommended number of applications to provide for optimal yield, which informs effective use of inputs. 24-11-2020: The baseline results show that overall 11% of farmers effectively use inputs (fertilizer and pesticides). The baseline figure is therefore 11% of the targetted 45450 Percentage of farmers that use fertilizer optimally. Effective use of fertilizer: Look at the frequency and quantity that the farmers apply fertilizer. 24-11-2020: At baseline there is no improvement thus a figure of 0. However the baseline results show that 16% and 3% of oil palm and cocoa farmers applied fertilizer effectively. This will be tracked over the period to observe improvement Percentage of farmers that use pesticides optimally. Effective use of pesticides: Look at the frequency and quantity that the farmers apply pesticides. The unit should be a total of both insecticide and fungiside. 24-11-2020: At baseline there is no improvement thus a figure of 0. However the baseline results show that 0% and 23% of oil palm and cocoa farmers applied pesticides effectively. This will be tracked over the period to observe improvement Number of food producers with increased farm income Calculate the farm income by an estimate based on the market price and farmer output (the kg of cocoa or oil palm produced on the farm) What is increased? Farmers that observed farm incomes above baseline (compared to the baseline value of that farmer in case of the same sample, or the baseline average in case of a different sample). 24-11-2020: This is the median income for cocoa and oilpalm farmers % of income increase for cocoa food producers (farm income) 24-11-2020: This cannot be estimated at baseline % of income increase for oil palm food producers (farm income) 24-11-2020: This cannot be estimated at baseline 24-11-2020: The baseline results show that 5% of repondents were enrolled in any formal pension scheme. The figure is therefore 5% of the targeted 45,450. Number of food producers with improved access to quality and affordable financial services Define access: as availability and affordability. The assumption is that when farmers have these 4 things (savings, loans, insurance and pensions), they will have improved access. 24-11-2020: According to the baseline 2% of respondents had access to fiannce. Thus the baseline figure is 2% multiplied by the 45450 target. 24-11-2020: From the baseline only 22% of the respondents applied for a loan. All of those who applied for loans were successful, however 76% of the loans applied for received the full principal applied for.