Timothy Masai, a 40year old man, is a pastor in one of the churches in Musengo location and a member of Musengo SOFDEV.

Solidarity Fund for Development (SOFDEV) is a rural microfinance model designed to respond to the financial need in rural settings. The model provides a platform for the rural communities to mobilize their financial resources in form of members’ savings and redistribute as microcredits for social and economic development activities. There are currently six units in Eastern Kenya supported by Inades Formation Kenya through the partnership with Bread for the World.  Timothy joined SOFDEV in 2014 amid a lot of reservations following his disappointments and limitations with other community financial groups. Pregnant with the desire to develop himself as a young family man, Timothy, married with one child, was however unable to access a substantive amount of money to purchase his own parcel of land and do farming as he had desired.

Timothy says, Ingawaje nilikuwa naweza tafutia familia yangu iliyokuwa tu inaanza chakula, nilitamani kumiliki shamba yangu ambapo ningejengea familia, nifanye ukulima wa chakula cha kukula kama familia na pia ukulima wa biashara; (even though I was able to provide food for my starting family, I desired to own land where I would still provide food for my family, build a home and also do agribusiness in order to boost my economic life).

Timothy’s confidence in the group was built when he attended his first AGM and realized that Musengo SOFDEV governance structure and management of its financial resources was solid as compared to other community financial groups in the region. He started with borrowing small credit amounts to validate his observations and by 2015 Timothy had completely gained confidence in the group. In the same year Timothy, was elected as one of the officials. In 2016 he started building his share capital further in order to borrow some substantive amount to achieve his dream of purchasing his own parcel of land. Timothy was able to get in an agreement with the owner of the land that he would pay for the land in two instalments of each Kshs. 200,000. This he was able to do between 2016 and 2017 he is currently finishing up on repaying his second loan. He then accessed more money from a different source to start farming on his land and hopes to do all that he has desired for his family and also ensure the Musengo SOFDEV management is accountable in day to day operations. Timothy expresses his sincere gratitude to SOFDEV and envisions a brighter future for himself and his family of two children.

Travelling 70 kilometers from Machakos town, you will meet the Nthuva self-help group in Kathama location that has 23 members. The group members make a living from production of drought tolerant crops(DTC) and vegetables. The DTC are adapted to the climate of the area and farmers have a guaranteed harvest even at the seasons of low rainfall. Consumption of DTC has reduced over years with current generation preferring fast foods to indigenous crops. However, Nthuva self-help group have crafted a way on promoting and increasing the consumption of the less preferred crops by baking cakes and chapatti from cassava flour, millet and sorghum. Products made from these DTC are known to be more nutritious and the Nthuva self-help group is often requested to prepare such foods during community events such as weddings.  Due to the increased demand of the products beyond Kathama location, the Nthuva self-help group trains other self-help groups on value addition of DTC in order to promote consumption.

A solar drier to facilitate the drying of cowpea leaves

Kathama location being a semi-arid region and heavily relying on rain fed agriculture. Most households lack green vegetables as part of their diet. The Nthuva self-help group manage to bridge this gap by drying cowpea leaves. Previously, drying of cowpeas leaves was done under the shade and took 5days, but with the support of a solar drier, farmers dry their products in a maximum of two days. With the objective to improve agricultural production through better farming methods, value addition and marketing, Inades Formation through the support of bread for the world procured a solar drier that has reduced the post-harvest wastage thus increasing volumes and this also translates to higher profits. During the previous season, farmers from Nthuva self-help group dried over 2,000 bags of cowpea leaves which were packaged in 1 kg paper bags. These leaves are stored for consumption during the dry season. They also dried 5 buckets of cassava. Once the cassava is dried, it is grinded into flour which is mixed with sorghum, millet & maize flour to prepare porridge and ugali. The blended product is highly nutritious and recommended for all household members consumption.

Farmers from Nthuva group drying cowpea leaves and cassava using solar drier

All the members of the group grow the cowpeas for both household consumption and commercial use. Two days in a week, the group members are given an opportunity to individually dry their vegetables for household use while on the other week days, the group dries the vegetables for sale at the nearby retail shops. Apart from improving nutrition, increasing consumption of DTC the group has managed to devise better strategies for marketing their produce to realize their returns. Part of their income is saved in the rural microfinance SOFDEV, a model designed to respond to the financial need in rural settings.

Group plans

The group plans to pilot the drying of mangoes this season to ensure the product will be available even after the mango season is over. Nthuya self-help group plans to hire land that will facilitate large scale production of vegetables and expand their market base of the products beyond Kathama location. The group members have plans to secure a plot of land which is near a constant source of water so as to plant the DTC products they require throughout the year without having to wait for the rains. Nthuva self-group benefited with partnership of Karlo and Inades Formation which facilitated the group with a money maker pump that will be used for large scale production of the DTC. They also intent to secure good packaging materials for their products including branding.