It's been difficult to get online throughout the past week as the internet hasn't been working throughout all of Bungoma. I do what I can with what I have. And even now I am having difficulty writing this because the computer that I am using isn't working properly. I apologize in advance.
So. I'm starting a cow bank. Over fifty community members have already signed up to be a part of the program and they are all very excited about the opportunities that it is beginning to create within Chebukwa. I have spent most of the past week hunched over a notebook writing and detailing out every part of the program including costs, building plans, and future development. So many pieces to pull together in order for it to run on it's own after I leave. It feels good to work on something that will have such an impact on the livelihood of the people here.
The basics:
The Cow Bank (Benki Ya Ng'ombe in Swahili) is a three phase program. Each phase acts as it's own entity while contributing to the overall success and sustainability of the program. Official details will be posted to The Nafula Foundation's website (www.nafulafoundation.org) within a few days if you really want to get into the nitty gritty of it all. Meanwhile...
Phase One: Milk Membership Program
I wanted to find a way provide for two needs that most people in Chebukwa are lacking. Nutrition and financial income. Phase One of the Cow Bank will help to provide both. Within the next week we will begin building a small dairy farm near the village center. The farm will eventually be able to house nearly a dozen high quality dairy cows and will provide enough milk for both the personal and business needs of the community. The farm will also create a handful of immediate employment opportunities.
Registered Cow Bank members will pay a small monthly membership fee (between one to ten US dollars) and will be able to obtain a specified amount of milk each day for personal or business purposes. The basic membership level costs around one US dollar per month and provides one liter of milk per day (One liter of milk currently sells for about thirty cents at the market. Think about the monthly cost savings. Good deal?). Family and Business membership levels are available for members who require higher milk quantities. The monthly membership fees are fairly priced to reflect the communities current income status. Milk distribution will be strictly regulated by Nafula Foundation Cow Bank employees.
My hope is that the milk obtained each day will be used for the nutritional content as well for additional income. For example, if a Cow Bank member consumed only a half liter of milk each day they could still sell and earn about fifteen cents from the remaining half liter. Fifteen cents is enough money to buy a full meal or, if saved, can be applied towards monthly school fees or many of the medical needs that each community member seems to have.
Phase Two: Micro Banking
People in Chebukwa do not save money. At a business lesson last week I asked how one hundred shillings would be used if I were to provide a small financial gift to one of the people in attendance. Every shilling would have been spent on food or school fees. Saving was never mentioned. It took a few stories and bible verses relating to the concept in order for it to sink in and now people tell me how many shillings they have saved every time they see me. "Hi Ben! I've saved ten shillings since the last time I saw you!", they say. I smile and applaud.
But the concept needs more support. Phase Two of the Cow Bank provides a way for Cow Bank members to save dairy revenues in order to provide enough money to one day purchase a dairy cow from the Cow Bank or to have enough start-up capitol to begin a small business venture. Basic savings accounts and financial planning will be available. (Lots of detail still to be determined)
Phase Three: Cow Ownership
The cows that will be used within the Cow Bank program produce an extremely high amount of milk each day. The income potential that is possible from one cow is enough to bring a Cow Bank member above the poverty line. That being said, we are working hard to develop a cow ownership program.
The concept is simple. Responsible Cow Bank members that have shown dedication to the Membership and Micro Bank programs may apply for cow ownership. If approved, the Cow Bank member may purchase an artificially inseminated cow from The Nafula Foundation (the selling price will be a small portion of the total value of the cow) with the understanding that the calf produced will be given back to the Cow Bank for sustainability purposes. Savings may be withdrawn from the Micro Bank and applied to the purchase of a cow.
There you have it. The basics. A lot is going into the project and we are excited to break ground next Monday as we begin constructing our first "Cow Unit" (a small housing unit big enough for two cows) and begin plowing fields for needed grass and feed. (I am going to man the plow....pulled by oxen!)
If you are interested in helping to fund this venture please navigate to the "Donate" section of this website. Click on the link that says "Donate" and provide as much financial support as you see fit. Typing the phrase "Cow Bank" in the comments section of the Pay Pal page will ensure that your donation is used to fund the project.
Basic costs are as follows:
Cow Unit (houses two cows) - $450 per unit
Pure Breed Milk Cow (produces around seventy five liters of milk per day) - $800 per cow
Infrastructure (Cow feed, medicine, security, veterinary services, etc.) - $3000 per year
Cow Bank Employee Wages - $4000 per year
Looking forward to seeing how this program evolves throughout the next few years. Pastor Dan says that I am "starting a new milk industry in western Kenya." Not exactly sure if that is the case, but...
Escaping to Kisumu for the weekend with some other volunteers from ICODIE. Planning on seeing some hippos and taking a really long, really hot shower. I CAN'T WAIT!