AGRO- PROCESSING AND INTERMEDIATION FINANCING

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AGRO- PROCESSING AND INTERMEDIATIONFINANCING

• FIPS JUICE LTD
• CATHRINE NJAGA

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TYPES OF BUSINESS

• Agro processing of fruits
• Mainly processes passion fruits which is bought
  from small scale farmers.
• Mango fruits outsourced during their season.
• Business level small scale processing of fruit
  pulps

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Volume and value

• Out sourced fresh passion fruits 23 tones per
  week hence 80 tones per month.
• 23 tones give average 7 tones of pulps (Passion
  fruits) Monthly pulp volumes 28 tones
• Gross value is approx Ksh. 1.5 m per week hence
  Ksh 5m a month
• Mango volumes during the season 120 tones
  outsourced _at_ Ksh13 per Kg. this give small
  holders over Ksh. 1.5 m a week.

4
Main customers

• Buyers are both local and regional (EA)
• 80 industrial buyers
• 18.5 institutional
• Others 1.5

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Employment creation

• Self employment
• 14 permanent employees
• 15 casuals on average
• Per month over 14 employees earns salary and 15
  average has 6 days per week hence over 24 days
  benefiting through the enterprise

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Financial challenges

• Running capital to pay smallholder farmers who
  want to be paid upfront
• Asset financing (purchasing and hiring especially
  enough trucks)
• Premises too congested but no funds to expand
• No upfront payments by the buyers

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My target if there were capital!

• Build a factory and godown with a fully
  automated lines
• Meet my customer demand instead of splitting the
  orders given.
• Get more employees
• Get more equipments for increased and improved
  pulp production.

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ON BEHALF MY FELLOW SMALL SCALE ENTERPRENURS
MY TAKE IS WE CAN DO MORE IF
SUFFICIENTLY FINANCED WITH FAVOUARABLE
TERMS Thanks a lot