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Contents
Ab o u t FARM -Africa 4
Th e o rig in al PD P strateg y 4Th e area 5
Th e g en eral p ro b lem an d h o w to ap p ro ach it 6
Prin cip les 6
Microenterprise development 8
Th e p ro b lem 8
Th e ap p ro ach 8Train in g 9
Cred it services 9
Cred it to co m m u n ity-o w n ed en terp rises 1 0
Lo an s to in d ivid u als in g ro u p s 1 2
M eth o d 1 4
Ind iv idu a l c red i t w i thou t requ i rementfo r tan g ib
le co llateral 15
Gen d er issu es 1 7
Ach ievem en ts 1 8
Ch allen g es 2 0
Ab b reviatio n s 2 2
N o te 22
Booklets in this series
Animal healthCamel husbandry and production
Microenterprise developmentThe mobile outreach approachNatural
resource management
Much of the material for this series of booklets came out of a
workshop held in Nanyuki, Kenya,2002. It was attended by the
following people, who had been part of the Pastoralist
DevelopmentProject: Dima Bonaya, Chris Field, Brian Heath, Peter
Ihuthia, Felix Kipchirchir, Prame Lesorogol,Robert Masibho, Dominic
Mbuvi, Mary Miningwo, Ali Hassan Mohammed, Emmanuella OleSambu,
Piers Simpkin, Chachu Tadicha, Denge Tullu, John Waita, Isaac
Wamugi.
compiled, edited and produced by Helen van Houtenwith the
technical advice of Piers Simpkin and Karen Tibbounder the
direction of Milcah Ongayophotos by FARM-Africa staffdesign by
Development Communicationsprinted by Colourprint, Nairobi,
Kenya
FARM-Africa 2002
FARM-AfricaPO Box 49502Nairobi, Kenyatel: +254 2 501997fax: +254
2 505288email: [email protected]
Funding for this project was provided by CORDAID
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Abbreviations
AHA animal health assistantKES Kenya shilling, valued at about
75 to 1 US dollarMSE micro and small enterprises
NGO non-governmental organizationPDP Pastoralist Development
Project
Notes
1 Kenya Ministry of Agriculture and Rural Development, Policies
andstrategies for the delivery of veterinary services in Kenya,
draft paper,February 2002.
2 Microenterprise in this context is considered a small business
undertakingwith a capital investment of less than 1 million
shillings.
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