The regional offices around the world and the national office in the United States will receive income from the web based financial accounting system. Regional offices must also receive “first year funding” from other resources.

Web Based Accounting Transaction Fees

There is a transaction fee charged to card holders and to cooperatives for every banking transaction, except reports. These fees are standard and customary. I will show a typical fee structure table during the meeting.

Restricting the regional offices to income from financial transactions encourages the regional office to stimulate activity in its regions. We cannot afford to create a bureaucracy that drains finances from the rural family. If the Regional Office employees are not being successful in making the rural family successful, then the program is doomed to fail. If the Regional Office employees so their job well, everyone profits.

Consideration for start-up costs for the regional office to be made. Budgets must be created for the first year of activity. Funding for first year budgets need to be identified.

The Cooperative Level

The cooperative is responsible for loans from HFTH that allow them to build agricultural buildings and purchase the first rotation of pigs, chicken and feed for the first rotation. Income from the sale of pigs is re-deposited to the bank account of the cooperative. When they purchase pigs and feed for the second rotation, the money in their account is wire transferred or placed into an ATM card account number for the vendor.

The cooperative does not manage cash at any time with the exception of cash wages paid to the cooperative farm manager or to the distribution of profits at such time as the balance sheet indicates that a profit in fact exists.

The Family Level

The family buys feed with eggs that they give to the farm manger at the time he delivers feed.

The family is free to barter with their eggs or to eat their eggs.

The family will receive a proportional amount of fertilizer from the Pig/Worm house that they can use on their gardens. The will be free to eat or barter the produce from their gardens.

Funding

Funding must be found for First Year Activities

· Private Investors

· Kamara Program Donors List

· Other Sources

· Donors

Loans from Development Funds

Typically, loans from various international development funding require specific organizational structure to be in place. For instance, in Mexico, it is necessary to form Cooperativos that are registered with the government, prior to asking for and receiving funds. An understanding of the requisite forms of organization in the target countries is essential.

We need:

Sources of Funding

· USAID

· Romilly Greenhill, policy officer for ActionAid (England)

· ARD (Adventist Rural Development)

· Other (List Here)

Management Structure

USA Global Headquarters

Latin American Committee

Country Committees

Mexico

Guatamala

African Committes

Regional Committees

South

East

West

Liberia

Independent Non-Profit Agency Cooperative

(National Farmer’s Association)

Liberia HFTH National Farmers Association

Board of Advisors Includes on its board a member of the regional committee

Seirra Leonne

Ghana

Guinea

Gambia

Ivory Cost

North

Centrl

Implementation Pathway

Form Africa Region Program Committee

Form Western Africa Region Committee (with a goal to create a board comprised of the directors of the established country programs)

Develop funds for Stage One

Stage one in each Country

Open an Office and hire a Executive Director with staff

Lay the ground work for establishing a future HFTH multi-purpose cooperative

Create a Beta Pig/Worm Site

Create 10 Cells of 15 families each

Identify NGO in each Country that will be empowered to create a HFTH Multi-purpose Cooperative. First stage funding goes to the NGO for the accomplishment of the above goals.

Liberia: Isa C Suka memoria Foundation of Liberia

The HFTH Multi-purpose Cooperative is run by a board of advisors who hire a Director for that country

It serves cell cooperatives with fiduciary services, contract negotitiation, marketing, and public relationsions services.

Communication

Access to the Internet

Cost per hour for and availability of Cyber Cafes

· Sierra Leone

· Liberia

· Guinea

· Gambia

· Ghana

· Abidjan-Code'Voire

Cost and availability of Dial Up and of High Speed connections in Regional Offices

· Sierra Leone

· Liberia

· Guinea

· Gambia

· Ghana

· Abidjan-Code'Voire

Telephone Services

We need to test and verify the availability of VOIP communications with people who own computers and are connected to the internet.

Best deals on Long Distance

· Prepaid Calling Cards

· Prepaid Cell Phone Cards

Availability of Cell Phones

Cost and availability of Cell phones in:

· Sierra Leone

· Liberia

· Guinea

· Gambia

· Ghana

· Abidjan-Code'Voire

Volunteer Coordination

What activities can we expect to identify volunteers to accomplish?

As currently designed, we look for Pastors to act as Coordinators for the cooperatives.

· They must have access to the internet.

· They must be willing to devote 3-4 days a month to the project for no pay.

· They must accept responsibility for teaching the biblical principles of business from outlines provided by me. (These outlines have not been created at the moment, but are already well conceived.) They will include:

§ Teachings on the covenant process, including the responsibilities of the participants in the covenant.

§ Bible teaching regarding “true riches”

§ Bible teachings regarding borrowing and lending.

§ Bags, weights and scales

§ And more

Is there an available pool of volunteers for staffing regional offices?

Regional Management

A single regional office for each targeted country should be able to manage the needs of a large number of cooperatives in each country. Their primary activity is the coordination of:

· Contract Negotiation

· Validation of Invoices Prior to Payment and Receipts Prior

· Oversightof Coordinating Partners (volunteer pastors) teaching and management activities

· Management of Import/Export Activities

· Negotiation with government officials

· Oversightof legal affairs, including the hiring of lawyers

· General arbitration regarding compliance with the rules of the cooperative.

Regional Office Personnel

Initially a single person can manage a regional office with the help of as many administrative assistants as initial funding makes possible.

The Regional Director will report to the HFTH office in the U.S.A,

The Regional Director will form a board of advisors from made up of the presidents of the local cooperatives. The board of advisors will elect from their midst of Regional Board of Directors. The Regional Director will act at the will of the Regional Board of Directors.

Local Management

A Backyard Agriculture Cooperative Consists of 12-15 Families

Each Cooperative has a 5 person board of directors

The Board of Directors make decisions regarding compliance or non-compliance of rules

A Project Manager is hired to distribute feed and manage the Pig/Worm Hoop House. In partnership with the leader of the board of directors, the manager also oversees the receipt of feed stocks, the delivery of pigs and the authentication of invoices presented by vendors.

Who can provide legal services for or activities?

We need the following for each country.

· Name

· Address

· Phone number

· Email address

Religious & Community Outreach

Agricultural Training

Business Skill Training

Market Issues

Financial Forecasts

Market Prices Needed

In order to project profitability of the project, the following information must be collected and entered into an Excel Spreadsheet that projects profitability.

· Cost of 25 pound piglet

· Sale Price per pound of 225 pound pig

· Cost of pig feed

· Cost of 10-week old “healthy” chickens

· Cost of Transportation

Can existing agribusiness sell us small pigs and feed? Will they deliver said items to the site of the 15-famiily cooperatives?

Bro. Kamara has suggested we work with:

1. Alton Agricultural Enterprises -based in Waterloo village some (20) miles from the capital city of Freetown owned by YAZBECK & sons with other businesses based in Freetown.

A giant Agricultural industrial farm which I am sure you will like to buy and operate the whole company.

Alton's farm manager was an American born named (Mr. Mike Swallow)

2. Doray's Poultry- off-Wilkinson Rd. back of collegiate school in Freetown owned by a Sierra Leonean business man -Mr. Flood.

They operate in Chicken, Pigs and Eggs

3. Yele Poultry-based in Yele, Magburaka town -Northern Province owned by Sierra Leonean business family-SAHID & Brothers They also operate one of the oldest and most successful 'Kentucky businesses' known as 'ROOSTER' based in Siaka Stevens Street-Electricity Building.

Market Analysis

Who has cash to buy pigs?

· Government agencies

· Hotels

· Hospitals

· Foreign Firms

· Other large scale organization who purchase bulk food items

· Potential for export to neighboring countries

Technical/Agricultural

Pig Worm House

Land is needed for concrete pad and for constructed wetland. The constructed wetland does not have to exist at the beginning, but space and water resources must be present during site selection.

Availability of Feed Stores

What companies sell feed to the target countries?

We need to know the existing distribution network for the importation of feeds. The existing agri-business will be making purchases from these distributors. In the near future, we can buy directly from the import company ourselves.

Name

Address

Telephone Number

Email Address

Markets for Fertilizer

Agro-technicians and Entrepreneurship

All available resources need to be identified and engaged in this project. Specifically:

Which organizations will provide free technical help?

Is there any work with vermiculture (worm raising) in any of the target countries? Is there currently a market for worm castings? Which “in country” agricultural arenas would most likely pay for a large quantity of high quality fertilizer to increase their production?

The Environment

Identify organizations that will reward our environmentally friendly swine production technology.

Swine production is of increasing interest to the environmental activist. Businesses have been dramatically increasing the size of swine production facilities. These facilities are becoming increasingly environmentally unfriendly. The HFTH model distributes production among families in rural areas. Money spent on large buildings in more modern countries is spent on trucks and fuel in the HFTH target countries.

Once local demand is met in a target country, the export of swine meat is the next step. Our eventual target is to raise genetically refined organic meat in an environmentally defensible manner.

Marketing The Program

Country Administrator Is Responsible For Identifying all agencies and rules related to the project

Find A Political Champion For a Beta Project

Seirra Leonne

I. S. Kamara UNDP Country Specialist Key Liason

Country Director - Janet Savage

Politician, Statesman. Door Opener

Liberia

Mr. Cumming C Wesseh

Congressional representative

Mr. Gibso K Sackor

Auditor and Account

Dr. Togba Nah Tipoteh

Statesmen Publc Figure

List to Be Completed for other countries By Kamara

Community Sensitization/Outreach

Create the same program in all languages for all country

Stimulate panel discussions on television

Develop Banners, Posters\Community Workshops

Create a Beta Project to Use as a Demonstration Site Prior to a national launch

Preparatory Committee Meetings

Institutional Meetings with Policy Makers and agenecies

Community Meetings To disclose substance of policy holder meetings.

Community Develop

National Workshops on HFTH Activities

Tax People

School Principles

University Presidents

Radio Programs talking about HFT, is goals and its procedures

Sell the Benefits of the Program not the Features of the Program

Well Body Program broadcast welbody

3 times a week Sierra Leonne

Develop alliance with them

Eggs are Brain Food

Better Nutrition Builds a Better

Humanitarian & Relief services

Women and Children

HFTH recognizes the plight of women and children in economically suffering countries. The family hoop house is designed to be managed by woman and children. We understand that a mother with and opportunity to feed her children is highly motivate to comply with the practices that cause them to eat regularly. Woman with children and young children caring for siblings are both served and essential to the likelihood that the HFTH programs will succeed.

Radio Encounter

Planting Radio Stations

Assistance to Local Leaders in the following areas:

Technical Support is available to groups wishing to start radio stations.

Fix-tuned solar powered radios are available.

Agricultural Programming

Religious Programming

Music

Assignment of Tasks to Participants

Bro. Ibrahim Kamara Tasks

Create a budget for 1 year of activity in each of the regional offices.

Identify friendly people and friendly agencies and add them to a database with notes describing these contacts and their potential contribution to the projects

Help for the Hungry is an effort to introduce rural development practices that will go “beyond subsistence.” It depends in part on the generosity of donors who are willing to make loans to people who would not normally qualify for loans.

The labor force that raises the pigs is paid with the eggs of chickens that eat the pig food and live in the same buildings with the pigs. The program originated in light of the fact that an egg a day in a child’s diet can drastically reduce or eliminate protein deficiency.

The HFTH model attempts to introduce financial accounting practices that reduce losses due to the mishandling of money. Cash is handled by e-banking. Bartering is restricted to the increases from the chickens.

Although government, private and industrial grant money is needed to initiate these programs, the Backyard Agriculture Cooperatives, including their regional offices, are intended to become self-sufficient and sustainable in less that 1 year.

Describe current agricultural cooperative organizational structures in the target countries.

· Who owns the land

o Land ownership is only likely to be a concern for the Pig/Worm Hoop Houses as they are installed on concrete pads. The family hoop houses are basically moveable cages.

· Who controls the money?

· How are decisions made?

· How is leadership determined and how is it changed?

Do the current cooperative organizational structures conflict with or enhance existing forms of family or tribal lines of authority?

Can we improve on the organizational structure of existing agricultural cooperatives?

Rules regarding non-compliance must be written, agreed upon and enforced.

· Who will write these rules?

· Is it essential for the cooperative to write their rules to assure compliance? In the cultures we are serving, how important is local consensus and self-determination to the success of the project?

· Will the families and farm managers submit to rules provided by HFTH?

· What is the anticipated response to a family having their Family Hoop House reassigned to another family?

· How will a project manager react if he is fired?

Is it necessary or possible to register contracts with government agencies?

What legal recourse is available for breached contracts?

Import Export Licenses

Costs related to Importation of Tarps Used in Agricultural Buildings

Import/Export Duty Exemptions for Agricultural Development

· Do they exist?

· How do we qualify?

· Contact Information

o Name

o Address

o Phone number

o Email address

Real-Time Transaction Level Reporting

Income and Expenses Reports

Balance Sheet Reports

Invoice Payment via ATM cards issued to participating vendors

Receipt of payment for goods delivered (pigs to market) via direct deposit or wire transfers from the customer into the assigned account of the Cooperative making a sale.

To make this program succeed participants must have access to the internet to request money for all spending and customers buying fertilizer and pigs must pay for there purchases by depositing money into a trusted bank account.

Families will retain access to barter transactions relative to the eggs they produce and the chickens they raise. Since swine production is the cash crop of the cooperatives, all cash must be handled via the web interface and via bank transfers and deposits.

Availability of ATM machines is very important. My research indicates that they are only available in Ghana. We need to discuss alternative forms of handling cash that will ensure the type of security and transactions level accountability that is made possible when ATM machines are present.

Micro Enterprise Development

Enterprise takes place at three levels:

The Regional Office

Web Based Accounting Transaction Fees

The Cooperative Level

The Family Level

Funding must be found for First Year Activities

Loans from Development Funds

USA Global Headquarters

Latin American Committee

Country Committees

Mexico

Guatamala

African Committes

Regional Committees

South

East

West

North

Centrl

Form Africa Region Program Committee

Form Western Africa Region Committee (with a goal to create a board comprised of the directors of the established country programs)

Develop funds for Stage One

Stage one in each Country

The HFTH Multi-purpose Cooperative is run by a board of advisors who hire a Director for that country

It serves cell cooperatives with fiduciary services, contract negotitiation, marketing, and public relationsions services.

Communication

Access to the Internet

Cost per hour for and availability of Cyber Cafes

Cost and availability of Dial Up and of High Speed connections in Regional Offices

Telephone Services

We need to test and verify the availability of VOIP communications with people who own computers and are connected to the internet.

Best deals on Long Distance

Availability of Cell Phones

What activities can we expect to identify volunteers to accomplish?

As currently designed, we look for Pastors to act as Coordinators for the cooperatives.

Is there an available pool of volunteers for staffing regional offices?

A single regional office for each targeted country should be able to manage the needs of a large number of cooperatives in each country. Their primary activity is the coordination of:

· Contract Negotiation

· Validation of Invoices Prior to Payment and Receipts Prior

· Oversightof Coordinating Partners (volunteer pastors) teaching and management activities

· Management of Import/Export Activities