(Pour la version française, cliquer ici)
The aim of the micro-credit program developed by Open Team is to fund the “starting kit” that each farmer replicator benefits from.
As a reminder, this starting kit is essential for the replicating farmer because it allows him to access the minimum resources required to convert his farm from conventional farming to organic intensive farming.
This starting kit includes:
- An irrigation kit
- material to make liquid and solid compost (tank, and all what is required to build compost bins)
This kit, basic, allows the farmer replicator to “put the foot in the stirrup”. Subsequently, other funding will be made available to accelerate the regeneration of its soil (especially tools, but also storage infrastructure). But all this is more expensive and in the face of farmers whose standard of living is near or below the poverty line (often already in debt), the idea is not to increase this level of indebtedness but to give it access the minimum tools required to produce, initiate a process, repay and grow further.
This is why it is essential to allow the farmer easy and quick access to this kit, at a reasonable price, to facilitate market access and to give him the keys to maximize the yield of his products. first harvests, while ensuring the marketing of its products at a good price through the connection of production with a network of committed consumers who pre-order their fresh baskets in advance in the big city.
The establishment of this network should allow the implementation of a commercial acceleration, a quick repayment of the investor, and give confidence to access the next kit, more expensive, to increase the land area regenerated, and at the same time, the yield of his farm.
Microcredit is therefore a fantastic lever for Western micro-investors to finance farmers whose farm economy is “framed” in a reassuring context because accompanied, and based on that of other farms having already demonstrated profitability.
Micro-investors are employees of major accounts with which Open Team establishes partnership agreements to communicate with their employees on the opportunity to invest in a project committed, fully in tune with the current concerns of French : healthy eating, become consum’actor, environmental issues.
This is an opportunity for an employee to decide to carry out a committed act, almost militant, without this necessarily representing a significant financial burden (or risk). While at the same time, the contribution of this investment to the Nepalese farmer represents several months of salary.
Through this approach, the employee has two choices:
- To invest 350 €: in this case, it will be refunded of its investment
- To donate 350 €: in this case, OpenTeam receives the donation definitively, finances the starting kit, and the farmer will reimburse OpenTeam, so that the latter can “refinance” a new replicator and thus generate a virtuous financial circle.
Open Team takes a commission of 8% on transactions (20€).
And you? What do you think ? Do you want to invest 350 €?