By Ibarra a Malonzo, president, Kasanyangan Mindanao Foundation, Inc., 445-Z, MCLL Hi-way. Guiwan, Zamboanga City. (land line 0629921740. email bong.malonzo@yahoo.com)
This is a summary of discussions between the undersigned and Joan Cenon regarding livelilihood possibilities appropriate for upland Subanon communities in Siocon and Baliguian Muicipalities, Zamboanga del Norte.
1. Cassava tuber and dried chips production- I recommend cassava tuber and dried chip production for the following reasons:
a. Subanons are familiar with cassava tuber production serving as a supplemental staple food in the form of boiled tubers or as grated tubers and as animal feed for backyard swine production.
b. It is easy to grow and thrives on hilly terrain without need of irrigation and expensive chemical inputs.
c. There is a huge market for dried cassava chips for animal feed. San Miguel Foods, Inc., alone, requires 500 000 tons of dried cassava chips. Only one third of this volume is produced in the country. The rest is imported from Thailand. SMFI has a buying station in Zamboanga City, which is aout 160 kms from Canatuan.
d. Canatuan farmers can earn a gross income of P60, 000.00 per year on one hectare of cassava tuber production ( 15 000 hills x 3 kilos x P1.50 = P60 000.) Converted to chips this will be worth P88 000.( 45 tons fresh tuber x .40 x P5.50 = P88 000.00 This presumes that a buying station for dried cassava chips is set up in Canatuan by an assembler designated by San Miguel Foods, Inc., and that the hauling cost of dried chips from Canatuan to Zamboanga City (160 kms distance) can be done at a maximum cost of P1.00 per kilo.
e. Cassava can be grown as an intercrop with upland rice or corn.
f. With proper financial and technical support, cassava tuber and dried chip production can start this year with 100 farmers cultivating one-fourth of a hectare each, or 2 500 square meters of field planting, equivalent to 25 hectares to 100 hectares of cassava field planting on the third year.
g. Kasanyangan Mindanao Foundation, Inc., can provide technical assistance to farmers for cassava tuber production and post harvest operations.
2. Microfinance agri-credit for cassava production.
Kasanyangan Mindanao Foundation, Inc. can provide technical assistance to develop a micro finance agri credit system for Subanon farmers that will be financially viable and sustainable over the long term. Some of the features are;
a. The provision of loan should be part of a closed loop production, post harvest and marketing system. Agri-credit cannot succeed as a stand alone provision. A marketing arrangement for the product should be established at the start of the project.
b. The loan should be given thru a supervised credit system. This includes release of loans in installment for specific inputs (planting material) and actual work done (land preparation, weeding, fertilizers).
c. From the start, the agri-credit provision should be run as a business. It should earn enough to cover the cost of delivery of credit, ensure collection of loans plus interest, service charge and penalties and make a profit margin to increase the capital.
d. The loan will carry an interest of 2 to 3 percent per month, a service charge of P500 and will run for one year. Loan amortization should be studied carefully on the basis of the cash flow of the household. Farming households have multiple sources of income including on farm and off- farm income sources. It can be structured in a way that the service charge is deducted from the amount of the loan at the start of loan release. Interests can be paid on a monthly basis, and the principal can be paid immediately after harvest. If there is an upland rice or corn planted with cassava, the rice and corn will be harvested on the 4th month. If the income from rice and corn can cover the entire principal, the loan can be shorted to a 4 or 5 months loan. If the the income from rice and corn is not sufficient to pay the entire principal, the payment can be done in two tranches, upon harvest of the rice and corn on the 4th to 5th month, and the cassava on the 10th month.
e. There should be a careful selection of borrowers to determine credit-worthiness. Character of the borrower should be looked into. Women are generally better payors of loans than men. Hence, women are preferred borrowers than men.
f. Borrowers should be organized into a cell of 4 members initially with group liability for the loans. The next organizational level is the center, which is a cluster of 4 groups that meet once a month for training and assessment of the farming activities undertaken. The cell can expand its membership to a maximum of ten members, and the center can grow up to eight groups. This is a practice followed in grameen banking, the most successful credit program for poor people that started in Bangladesh 30 years ago, and now counts in millions of members all over the world.
g. There should be intensive training of staff and borrowers.
29.1.10
Cassava Service Center Strategy
LANGON CASSAVA SERVICE CENTER
A Joint Venture of
Langon Agrarian Reform Beneficiaries Multi-Purpose Cooperative and Kasanyangan-Mindanao Foundation, Inc.
The objective of this project is to build and operate the LANGON CASSAVA SERVICE CENTER,in Barangay Langon, Municipality of Tungawan, Zamboanga Sibugay.
The center will provide support services for the development of 200 hectares of cassava field planting for agrarian reform beneficiaries belonging to the LANGON AGRARIAN REFORM BENIFICIARIES MULTI-PURPOSE COOPERATIVE and operate post harvest facilities for the production and marketing of 2,500 tons of cassava dried chips and granules a year starting on the third year, with gross revenue of P26,000,000, per year.
The Langon Cassava Service Center will be a joint venture project of the Langon Agrarian Reform Beneficiaries Multi-purpose Cooperative and the Kasannyangan Mindanao Foundation, Inc.
The start up service center for 200 hectares of new cassava production area will require the following facilities, with the corresponding investment cost:
l. tractor for land preparation (1) P 3,000,000
2. post-harvest facilities 3,600,000
¬- building/Waehouse 400,000
- dryer(solar/flatbed) 1,300,000
- chipping machines 150,000
- granulating machine 100,000
- hauling trucks (3) 1,500,000
- machine shop equipt 150,000
3. credit for cassava production
200 ha x P25,000 5,000,000
4. working capital (buying fresh
tubers, processing, transport,
management overhead) 1,500,000
5. Pre-operating expenses 150,000
- project development
- securing permits and clearances
- design, supervision of construction
of building and facilities
6. Technical assistance to farmers 1,000,000
- social preparation
- training
- field trials
TOTAL P14,250,000
The initial capital investment of P14,250,000 for the establishment of a cassava service center and one year’s operating expenses before any sales is generated can be financed through a combination of grants and loans and equity contribution by the project proponent. It is suggested that the cost of acquiring a farm tractor, the pre-operating expense and technical assistance to farmers be covered by grants. The land can also be treated as equity of the proponent. The cost of acquisition and fabrication of the chipping machines and granulator, motorcycles, trucks and the funds for Agri-Credit Facility be accessed through the Small & Medium Enterprise loaning program of either government financing or private financing institutions.
The cassava service center is expected to generate a total sales on the second year of P4,122,500 worth of granulated chips from a 50 hectares of production area. At the price of P8.50 per kilo of cassava granules, the service center can make a gross margin of P3.00 per kilo, or a total of P1,455,000 on 485 tons of granules. The service production area can be expanded to 200 hectares on the 2nd year up to the 5th year of cassava production.
The project consisting of the service center and 200 hectares cassava plantings can generate a sales of P26,000,000 and a gross margin of P10,000,000 on the 3rd year and thereafter up to the 6th year. The gross margin can cover the interest payment, overheads, taxes and provide a profit margin to finance possible expansion.
One hectare of cassava is expected to yield an average of 30 tons of fresh tubers. The farmer has the option to sell the fresh tuber to the center at P2.00 per kilo or deliver dried chips at P6.50 per kilo, or a combination of both. Farmers will earn a gross income of P60,000-P80,000 per hectare or a net income that includes their own farm labor amounting to P40,000-P50,000 per hectare per year.
The Cassava Service Center will operate as a social enterprise earning income margins from tractor services for land preparation, processing and trading of cassava granulated chips. Production Loans will be initially handled by the service center, but this can be assigned later to a microfinance institution.
The Cassava Service Center can be operated initially by an NGO. Later the ownership and management can be turned over to a farmers’ cooperative.
This model can accelerate cassava development in Zamboanga Sibugay and ensure that the farmers will benefit most from the commercialization of this subsistence crop. Considering the extent of rural poor in Tungawan, Zamboanga Sibugay and the availability of large tracts of marginally cultivated lands, a cassava development project along the lines indicated in this concept paper can serve as a model intervention strategy for poverty reduction and peace building in this area.
Attached herewith are the projected income statement and cash flow statement with supporting schedules:
Schedule “A” – Production Projection
Schedule “B” – Development Cost Per hectare
Schedule “C” – Overhead Cost
Schedule “D” – Depreciation Cost
Schedule “E’ – Other Income
Schedule “F” – Principal & Interest payment
Schedule “G” – Capital Expenditures
A Joint Venture of
Langon Agrarian Reform Beneficiaries Multi-Purpose Cooperative and Kasanyangan-Mindanao Foundation, Inc.
The objective of this project is to build and operate the LANGON CASSAVA SERVICE CENTER,in Barangay Langon, Municipality of Tungawan, Zamboanga Sibugay.
The center will provide support services for the development of 200 hectares of cassava field planting for agrarian reform beneficiaries belonging to the LANGON AGRARIAN REFORM BENIFICIARIES MULTI-PURPOSE COOPERATIVE and operate post harvest facilities for the production and marketing of 2,500 tons of cassava dried chips and granules a year starting on the third year, with gross revenue of P26,000,000, per year.
The Langon Cassava Service Center will be a joint venture project of the Langon Agrarian Reform Beneficiaries Multi-purpose Cooperative and the Kasannyangan Mindanao Foundation, Inc.
The start up service center for 200 hectares of new cassava production area will require the following facilities, with the corresponding investment cost:
l. tractor for land preparation (1) P 3,000,000
2. post-harvest facilities 3,600,000
¬- building/Waehouse 400,000
- dryer(solar/flatbed) 1,300,000
- chipping machines 150,000
- granulating machine 100,000
- hauling trucks (3) 1,500,000
- machine shop equipt 150,000
3. credit for cassava production
200 ha x P25,000 5,000,000
4. working capital (buying fresh
tubers, processing, transport,
management overhead) 1,500,000
5. Pre-operating expenses 150,000
- project development
- securing permits and clearances
- design, supervision of construction
of building and facilities
6. Technical assistance to farmers 1,000,000
- social preparation
- training
- field trials
TOTAL P14,250,000
The initial capital investment of P14,250,000 for the establishment of a cassava service center and one year’s operating expenses before any sales is generated can be financed through a combination of grants and loans and equity contribution by the project proponent. It is suggested that the cost of acquiring a farm tractor, the pre-operating expense and technical assistance to farmers be covered by grants. The land can also be treated as equity of the proponent. The cost of acquisition and fabrication of the chipping machines and granulator, motorcycles, trucks and the funds for Agri-Credit Facility be accessed through the Small & Medium Enterprise loaning program of either government financing or private financing institutions.
The cassava service center is expected to generate a total sales on the second year of P4,122,500 worth of granulated chips from a 50 hectares of production area. At the price of P8.50 per kilo of cassava granules, the service center can make a gross margin of P3.00 per kilo, or a total of P1,455,000 on 485 tons of granules. The service production area can be expanded to 200 hectares on the 2nd year up to the 5th year of cassava production.
The project consisting of the service center and 200 hectares cassava plantings can generate a sales of P26,000,000 and a gross margin of P10,000,000 on the 3rd year and thereafter up to the 6th year. The gross margin can cover the interest payment, overheads, taxes and provide a profit margin to finance possible expansion.
One hectare of cassava is expected to yield an average of 30 tons of fresh tubers. The farmer has the option to sell the fresh tuber to the center at P2.00 per kilo or deliver dried chips at P6.50 per kilo, or a combination of both. Farmers will earn a gross income of P60,000-P80,000 per hectare or a net income that includes their own farm labor amounting to P40,000-P50,000 per hectare per year.
The Cassava Service Center will operate as a social enterprise earning income margins from tractor services for land preparation, processing and trading of cassava granulated chips. Production Loans will be initially handled by the service center, but this can be assigned later to a microfinance institution.
The Cassava Service Center can be operated initially by an NGO. Later the ownership and management can be turned over to a farmers’ cooperative.
This model can accelerate cassava development in Zamboanga Sibugay and ensure that the farmers will benefit most from the commercialization of this subsistence crop. Considering the extent of rural poor in Tungawan, Zamboanga Sibugay and the availability of large tracts of marginally cultivated lands, a cassava development project along the lines indicated in this concept paper can serve as a model intervention strategy for poverty reduction and peace building in this area.
Attached herewith are the projected income statement and cash flow statement with supporting schedules:
Schedule “A” – Production Projection
Schedule “B” – Development Cost Per hectare
Schedule “C” – Overhead Cost
Schedule “D” – Depreciation Cost
Schedule “E’ – Other Income
Schedule “F” – Principal & Interest payment
Schedule “G” – Capital Expenditures
A PROJECT IDEA FOR A START UP PHASE FOR CASSAVA DEVELOPMENT IN EAST COAST OF Zamboanga City
l. Rationale of the project-
Cassava is a traditional crop among upland farmers on the east coast of Zamboanga City Cassava farmers are a a mix population of Muslim Yakan, Samal and Tausug, Zamboanguenos and Visayans who have been planting small patches of cassava for their own food, with the surplus sold as fresh tubers in the wet market.
Grated cassava is a supplemental staple food of many Muslim households. With rapid growth of Muslim population over the last twenty years, from fifteen to 28 percent of current total population of 800 000, demand for grated cassava has increased. As a result, cassava planting has increased to around 400 hectare with an average yield of ten tons of fresh tubers per hectare Most of cassava produce are turned to grated cassava for their own consumption or sold in the market. A hectare of cassava tubers fetches a gross income P15 000 to the farmer, and an additional income of around P10 000 for the grated cassava maker. Productivity is low, resulting in low household income and keeping most of cassava farmers poor..
But there is good news for cassava farming in Zamboanga City. With the right price, farming technology, inputs and post harvest facilities,cassava farming can earn good money for farmers
Early this year, San Miguel Foods Corporation opened a buying station for cassava granules for animal feed in Zamboanga City. Next year, SMFC will be opening a feed mill in Zamboanga City which will require a supply of 20 000 tons of cassava granules. This volume is equivalent to 2 000 hectares of cassava field planting, with a yield of 25 tons of fresh tubers and 10 tons recovery of dried cassava granules per hectare. At the price of P8.50 per kilo of dried cassava granules, this will generate a gross revenue of P170 000 000. most of which will go to the cassava farmers.
Mega Plywood in Lumbayao, Zamboanga City, needs 400 tons of cassava dried chips from 40 hectares of field planting for plywood glue
Basic Energy Corporation has planted this year 400 hectares of cassava in Zamboanga peninsula, with 150 hectares in the east coast of Zamboanga City, as initial phase of a cassava development program that will supply cassava tubers as feedstock to an ethanol plant that will generate 60 million liters of ethanol of biofuel by 2014. The plant will need cassava tuber production equivalent to 20 000 hectars of cassava field planting.
The Department of Agriculture has introduced high yielding cassava cultivars with proper agronomy can readily yield 30 tons of fresh tubers per year on a sustainable basis. With the right farm inputs, farm to market roads and post harvest facilities in place, a cassava farmer can readily earn P65 000 on one hectare of cassava dried chips alone, taking up 120 working days This will give to the farmer an economic return of P540 per day of work. With a carabao or cow, a farmer can work two hectares by himself and
fetch an income twice that of the poverty threshold level of P65 000. per year for rural households in Mindanao.
2. The project concept -
The goal of this project is to help enhance the capacity of small upland farmers to raise their productivity and incomes thru cassava production and generate the supply of cassava tubers needed by the market. in Zamboanga City
The project is a one year start-up phase for a metium term cassava development project in Zamboanga City. It has three specific objectives , namely: at the end of one year,
a.150 cassava farmers in two barangays, Bunguiao and Cansilayan, in Zamboanga City are trained to be come competent commercial cassava farmers thru theoretical and hands-on training;
b
b. Produce high yielding cassava planting material good for 100 hectares; and
c.Access farmers to cassava production credit, post harvest facilities and marketing arrangements.
The project components are:
l. Organize and register two cassava farmers association with the Department of Labor and Employment.
2. Establish a nursery for high yielding cassava cultivars that could supply planting materials good for 50 hectares of field planting;
3. Establish field trials using high yielding cultivars and applying proper agronomy for 75 selected farmers at 2 000 square meters each of field planting that will serve as hands-on application of proper farming technology . The field trial should give a minimum yield of 7 000 kilos of fresh tubers and produce planting material for 50 hectares of field planting
4 Develop a training course for commercial cassava farmers and undertake training and extension services on cassava farming for 150 farmers;
4.1 Select and prepare a minimum of 100 farmers to qualify for cassava production credit for the succeeding year;
4.2 Link farmers to microfinance institutions for cassava production credit, post harvest facilities and markets.
5. Provide management and administration support to the project.
3. The Budget
The proposed project budget is as follows:
1. Nursery establishment for high yielding cassava cultivars that will produce 150 000 linear meters of cassava planting material. P25 000.00 x 10 hectares-- P250 000.00
2. Field trials for hands-on application of cassava agronomy and produce
Planting material for 50 hectares of field planting
70 farmers @ 2 000 square meters x P3 571.. P250 000
3. Training and Field Extension-
3.2 Field technicians 2x P5000x 15months==P150 000
3.2. Field allowance 2x P3000x12 months =P 72 000
3.3 Senior specialist 1xP1200x80 days P100 000
3.4 1 motor cycle 65 000
3.5 Training(meals,venue training materials)
P150./day x150 pax x 5 days) 113.000
P500 000.00
Total P1 000 000.00
Project Management and admin support will be KFI counterpart.
The project proponent is Kasanyangan Mindanao Foundation (KFI)t.It has been engaged in advocacy and social enterprise development for the past 15 years in southern Mindanao. KFI has been undertaking cassava production, advocacy and support services to farmers for the last five years. KFI is a cassava assembler supplying cassava chips and granules to San Miguel Foods Corporation. KFI has a pool of cassava technicians and specialists and farm machinery for cassava farming, processing and trading services.
Cassava is a traditional crop among upland farmers on the east coast of Zamboanga City Cassava farmers are a a mix population of Muslim Yakan, Samal and Tausug, Zamboanguenos and Visayans who have been planting small patches of cassava for their own food, with the surplus sold as fresh tubers in the wet market.
Grated cassava is a supplemental staple food of many Muslim households. With rapid growth of Muslim population over the last twenty years, from fifteen to 28 percent of current total population of 800 000, demand for grated cassava has increased. As a result, cassava planting has increased to around 400 hectare with an average yield of ten tons of fresh tubers per hectare Most of cassava produce are turned to grated cassava for their own consumption or sold in the market. A hectare of cassava tubers fetches a gross income P15 000 to the farmer, and an additional income of around P10 000 for the grated cassava maker. Productivity is low, resulting in low household income and keeping most of cassava farmers poor..
But there is good news for cassava farming in Zamboanga City. With the right price, farming technology, inputs and post harvest facilities,cassava farming can earn good money for farmers
Early this year, San Miguel Foods Corporation opened a buying station for cassava granules for animal feed in Zamboanga City. Next year, SMFC will be opening a feed mill in Zamboanga City which will require a supply of 20 000 tons of cassava granules. This volume is equivalent to 2 000 hectares of cassava field planting, with a yield of 25 tons of fresh tubers and 10 tons recovery of dried cassava granules per hectare. At the price of P8.50 per kilo of dried cassava granules, this will generate a gross revenue of P170 000 000. most of which will go to the cassava farmers.
Mega Plywood in Lumbayao, Zamboanga City, needs 400 tons of cassava dried chips from 40 hectares of field planting for plywood glue
Basic Energy Corporation has planted this year 400 hectares of cassava in Zamboanga peninsula, with 150 hectares in the east coast of Zamboanga City, as initial phase of a cassava development program that will supply cassava tubers as feedstock to an ethanol plant that will generate 60 million liters of ethanol of biofuel by 2014. The plant will need cassava tuber production equivalent to 20 000 hectars of cassava field planting.
The Department of Agriculture has introduced high yielding cassava cultivars with proper agronomy can readily yield 30 tons of fresh tubers per year on a sustainable basis. With the right farm inputs, farm to market roads and post harvest facilities in place, a cassava farmer can readily earn P65 000 on one hectare of cassava dried chips alone, taking up 120 working days This will give to the farmer an economic return of P540 per day of work. With a carabao or cow, a farmer can work two hectares by himself and
fetch an income twice that of the poverty threshold level of P65 000. per year for rural households in Mindanao.
2. The project concept -
The goal of this project is to help enhance the capacity of small upland farmers to raise their productivity and incomes thru cassava production and generate the supply of cassava tubers needed by the market. in Zamboanga City
The project is a one year start-up phase for a metium term cassava development project in Zamboanga City. It has three specific objectives , namely: at the end of one year,
a.150 cassava farmers in two barangays, Bunguiao and Cansilayan, in Zamboanga City are trained to be come competent commercial cassava farmers thru theoretical and hands-on training;
b
b. Produce high yielding cassava planting material good for 100 hectares; and
c.Access farmers to cassava production credit, post harvest facilities and marketing arrangements.
The project components are:
l. Organize and register two cassava farmers association with the Department of Labor and Employment.
2. Establish a nursery for high yielding cassava cultivars that could supply planting materials good for 50 hectares of field planting;
3. Establish field trials using high yielding cultivars and applying proper agronomy for 75 selected farmers at 2 000 square meters each of field planting that will serve as hands-on application of proper farming technology . The field trial should give a minimum yield of 7 000 kilos of fresh tubers and produce planting material for 50 hectares of field planting
4 Develop a training course for commercial cassava farmers and undertake training and extension services on cassava farming for 150 farmers;
4.1 Select and prepare a minimum of 100 farmers to qualify for cassava production credit for the succeeding year;
4.2 Link farmers to microfinance institutions for cassava production credit, post harvest facilities and markets.
5. Provide management and administration support to the project.
3. The Budget
The proposed project budget is as follows:
1. Nursery establishment for high yielding cassava cultivars that will produce 150 000 linear meters of cassava planting material. P25 000.00 x 10 hectares-- P250 000.00
2. Field trials for hands-on application of cassava agronomy and produce
Planting material for 50 hectares of field planting
70 farmers @ 2 000 square meters x P3 571.. P250 000
3. Training and Field Extension-
3.2 Field technicians 2x P5000x 15months==P150 000
3.2. Field allowance 2x P3000x12 months =P 72 000
3.3 Senior specialist 1xP1200x80 days P100 000
3.4 1 motor cycle 65 000
3.5 Training(meals,venue training materials)
P150./day x150 pax x 5 days) 113.000
P500 000.00
Total P1 000 000.00
Project Management and admin support will be KFI counterpart.
The project proponent is Kasanyangan Mindanao Foundation (KFI)t.It has been engaged in advocacy and social enterprise development for the past 15 years in southern Mindanao. KFI has been undertaking cassava production, advocacy and support services to farmers for the last five years. KFI is a cassava assembler supplying cassava chips and granules to San Miguel Foods Corporation. KFI has a pool of cassava technicians and specialists and farm machinery for cassava farming, processing and trading services.
Services We Offer
1. Designing and Model Building of Farming System for:
- Large Plantations
- Small Holders
- Ancestral Domains and Forestal Lands
2. Social Enterprise Development and Management
3. Organization and Human Resource Development
4. Research, Advocacy and Networking Agrarian Reform and Human Development
5. Microfinance for Rural Micro Enterprises
6. Farm Supply and Product Marketing
- Large Plantations
- Small Holders
- Ancestral Domains and Forestal Lands
2. Social Enterprise Development and Management
3. Organization and Human Resource Development
4. Research, Advocacy and Networking Agrarian Reform and Human Development
5. Microfinance for Rural Micro Enterprises
6. Farm Supply and Product Marketing
28.1.10
Our Begginings
KFI traces its beginnings to the National Federation of Labor-Agrarian Reform Development (NFL-ARD) formed by NFL in 1989 with the advent of the Comprehensive Agrarian Reform (CARP).
As a trade union federation among plantation workers in Mindanao, NFl set out to develop a program to assist local union affiliates and members make the transition from employee farm workers to owner beneficiaries.
The NFL-ARD focused on assisting farm worker beneficiaries in Region IX to form and manage plantation cooperatives.
In 1998, Kasanyangan Foundation was organized and assumed responsibility over the program and projects of NFL-ARD including its personnel and properties.
The new foundation took the name KASANYANGAN, a word in Tausug and Yakan meaning prosperity or harmony to stress its commitment to and identification with the aspirations marginal indigenous peoples of Mindanao for a better day.
Contact US
Address:
Z-55, MCLL Highway
Putik, Zamboanga City
7000, Philippines
Contact numbers:
062-992-1740 (Telefax)
Email us at:
kfimindanao@gmail.com
Z-55, MCLL Highway
Putik, Zamboanga City
7000, Philippines
Contact numbers:
062-992-1740 (Telefax)
Email us at:
kfimindanao@gmail.com
Who We Are
- KFI draws financial support from European development agencies such as ICCO, HEKS and NCOS and the Swedish Forestry Wood Workers Union, as well as service contracts from government projects such as the Western Mindanao Community Initiatives Project funded by IFAD, ARCDP-Asian Development Bank and the Department of Agrarian Reform.
- KFI has 40 full-time personnel working in six areas: agriculture and forestry, community organizing and institution building, enterprise development and intermediation, microfinance for enterprising poor lumad, advocacy and networking, and project administration.
- KFI operates mainly in Region IX (Provinces of Zamboanga del Norte, Zamboanga del Sur and Sibugay; and the cities of Zamboanga and Isabela). It also has projects in South Cotabato, Sarangani, Davao del Norte and Agusan del Sur.
- KFI has 40 full-time personnel working in six areas: agriculture and forestry, community organizing and institution building, enterprise development and intermediation, microfinance for enterprising poor lumad, advocacy and networking, and project administration.
- KFI operates mainly in Region IX (Provinces of Zamboanga del Norte, Zamboanga del Sur and Sibugay; and the cities of Zamboanga and Isabela). It also has projects in South Cotabato, Sarangani, Davao del Norte and Agusan del Sur.
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