Investing together in growth
and a better world

And we invest in civil society organizations that tackle the debt problem. So that everyone becomes financially healthier.

We believe in the power of together
The Rabo Foundation is therefore seeking cooperation with Rabobank customers. They can use their expertise and network. For example, by giving access to new markets. And contribute to a better world with a donation.

Why the Rabo Foundation?
Rabo Foundation has been active since 1974. Thanks to our many years of experience and knowledge, we can properly advise you as a donor. We know our project partners personally. That way you know that your donation ends up well and together with us you strengthen the future of vulnerable people.

Everyone must be able to build a good future on their own. But not everyone gets the chance, no matter how much they want it. Rabo Foundation gives

motivated people the boost they need to get ahead.

We do this by investing with money, knowledge and access to our network in organizations that bring people together and offer opportunities for vulnerable people. We are strengthening the position of smallholder farmers in 22 countries in Africa, Asia and Latin America. We invest in cooperatives and farmers' organizations that farmers can join. In this way farmers can grow and take better care of themselves and their families. In the Netherlands we support social enterprises that create opportunities for people who want to work but find it difficult to find a job.

Together with
Rabo Foundation

Contribute to a
better world

You strengthen farmers' cooperatives in developing countries so that small-scale farmers can grow and increase their income. Or you ensure fair opportunities on the labor market in the Netherlands. In this way we work together for a better world, for everyone. You can donate to Rabo Foundation in different ways and from € 50,000 we set up a personal fund and you decide for yourself which theme you want to donate.

Your donation sets
something in motion
Working for a better future

Together with our donors, we contribute to a better world. Last year we invested in more than 369 organizations. All these organizations contribute to the growth and development of vulnerable groups of people, in the Netherlands and far beyond. Do you also want to participate?

Thanks to the donations from our donors, we invest in more than 300 organizations every year. In this way they can work on their future and create opportunities for vulnerable people. View a number of projects where Rabo Foundation makes an impact.

Regular donaties

One-off donation

With a periodic gift you agree on a fixed amount that will be donated every year for five years. We record this together in a gift agreement. 

Of course you can also make a one-time donation. This one-time gift is then probably not fully deductible. Read more on the website of the tax authorities.

'Forest rangers at sea'
on the lookout

Job on the rolling waves
The Navy veterans train the young people during an intensive boot camp, after which they select those most suitable for a job on the rolling waves. “We currently employ 12 Sea Rangers. It’s going very well so far. What makes our re-integration program so unique, is that we can employ young people who often have very complex problems after only five weeks of boot camp. There are virtually no other training courses that successfully help young people from welfare to work in such a short time. Moreover, many projects for the unemployed don’t really appeal to the imagination. Sea Rangers, on the other hand, improves their social status immensely.”

Sailing vessels in the offshore industry
The Sea Rangers don’t use a motorized boat; they sail aboard a sustainable sailing vessel. “It’s absolutely unique in the maritime world”, says Van der Werf. “We’re the only offshore organization in the world to use fully certified sailing vessels.” Sea Rangers aims to operate four more of the vessels on the North Sea within the next five years, and the social enterprise hopes to eventually scale the project up to other countries as well.

The Dutch waters of the North Sea are some of the busiest in the world. Where once only fishing vessels and merchantmen braved the sea, today the

waters are crowded with windmills, recreational areas, and drilling platforms. Plus, the shipping lanes themselves are busier than ever. Half of the North Sea is currently at or near maximum capacity. For the government, it’s increasingly difficult to keep an eye on all of the comings and goings. “As a result, there is less supervision of things like illegal fishing and pollution”, says Wietse van der Werf.

Extra eyes on the lookout
That’s why the entrepreneur and nature lover Van der Werf came up with the idea for the Sea Rangers. They’re a bit like forest rangers at sea, who act as extra lookouts for the government. Van der Werf: “We have both an ecological and a social objective. Not only do we keep the North Sea clean and help protect nature, we also offer an appealing and challenging job to Navy veterans and unemployed youth.”

Social enterprise Sea Rangers not only protects the North Sea, but also brings abroad young people  who have trouble finding work. 


How Rabo Foundation adds value

Rabo Foundation provided Sea Rangers with a loan on favorable terms, which allowed the project to organize its first boot camp in 2018. “For us, it was extremely important that Rabo Foundation dared to set sail with us in order to help young people who have trouble finding a job actually find work”, Van der Werf explains. “It gives other parties confidence when they see that Rabobank is also involved. Plus, there are very few partners like Rabo Foundation that are willing to stick their necks out for social enterprises like us. Now we can show that nature preservation at sea can actually create jobs and earn a profit for investors.”

Cooperative model is changing
live Indian women

The model integrates chicken barns, a broiler farm and a concentrate feed facility and provides access to knowledge and network with, among others, a veterinarian. Capital was also needed. The collaboration started with loans of 1,500 euros per farmer. This allowed them to build their own stable and they improved the operational and financial systems of the cooperative.

Society as a whole benefits
A new poultry feed factory opened in 2018. Rabo Foundation provided the loan for this together with Rabobank India. It was the largest loan ever to a producer organization in India, and the largest in the history of Rabo Foundation. The opening of the factory is a major milestone for the cooperative. For women it is a new step on the road to self-reliance. With the factory they can improve the feed for the chickens. Together, the women care for 15 million chickens per year and the availability of protein-rich food for the region is increasing considerably as a result. The entire community benefits from this.

The women are members of one of the ten cooperatives within the Madhya Pradesh Women's Poultry Producers Company Private Limited (MPWPCL) federation.

The women have experienced a growth together with the milestone in 2018: the opening of their own poultry feed factory.

Thousands of members, ten cooperatives, one federation
The majority of these women have no education. All women lived below the poverty line set by the Indian government. But that changed. In the 2018 financial year, the women jointly earned the equivalent of more than 2.5 million euros. They are getting closer to economic and social independence. It has changed their lives, and that of their families and local communities.

Rabo Foundation has been investing in MPWPCL since 2009. At that time, the farmers seemed to be losing interest in the poultry sector. They had to invest in their company, but could not get loans. Rabo Foundation came up with a solution and developed a cooperative model together with the NGO Pradan.

Together you move forward. Like the 6,000 female poultry farmers in a remote region of the state of Madhya Pradesh in Central India.

Financial security 
through mangoes 

Around 75 percent of the Kenyan population works in the agricultural sector, and the country’s rural agricultural areas are most affected by poverty.

Drying mangoes
“Until recently, we only brought fresh mangoes to market, but most of them would rot before we could sell them. That’s a terrible waste. Our solution was to dry the mangoes.” Goshen found a good export market for the dried fruit, which isn’t limited to the season. The result: less food wastage, greater demand for mangoes, and more sales for smallholder farmers. That gave the farmers a higher income and improved living conditions.
Goshen began drying fruit in 2018, and plans on focusing more the activity in the future. “We’ll soon begin processing, packaging and exporting pineapples in addition to mangoes”, Muli says. “And we plan on adding oranges in the long term as well. ‘Dried fruit has proven to sell extremely well internationally.” Eventually, he aims to earn 70 percent of Goshen’s revenue from dried fruit, and he’d like to expand his export market. “Hopefully, our products will be available in the Netherlands too some day soon!”

Alex Muli started out as a small mango farmer with big ambitions. “I wanted to sell more mangoes, and I wanted to sell them abroad. But my harvest was too

small to have a serious chance at market. In order to supply larger volumes, I had to cooperate with other farmers.” To do that, he founded the company Goshen Farm Exporters Ltd. in 2010. By late 2017, Goshen worked together with 420 independent smallholder farmers, and by the end of the next year another 370 producers had joined them. And the growth shows no signs of stopping.

Providing security
Muli: “The farmers I work with come from different parts of the country. From West-, Central- and Southeast Kenya. The largest producers have seven hectares of land at most, and some only have a quarter hectare. They grow mangoes, pineapples, and avocados. I receive the products, package them, and bring them to market.” Why do the smallholder farmers like to work with Goshen? “We buy their products at regular intervals, and then bring them to market in Kenya or export them abroad. That gives them financial security, which improves their quality of life.” Muli knows how desperately they need it. 

Fresh fruit doesn't stay fresh for long. In Kenya, for example, 80 percent of the mangoes harvested rot before they can be sold. Alex Muli's company Goshen Farm Exporters Ltd. came up with a solution that increased the income of largely poor smallholder mango farmers. 'Dried fruit has proven to sell extremely well, both locally and internationally.'



How Rabo Foundation adds value

Rabo Foundation provides Goshen with working capital, which guarantees that the company can pay producers for their crops quickly and regularly. The investment by Rabo Foundation allowed Goshen to begin drying mangoes, thereby reducing the percentage of mangoes that go to waste. Drying fruit not only earns the fruit farmers extra income; it is also expected to create new jobs in the future, because Goshen will need more people to dry the fruit. Rabo Foundation also uses its network to help Goshen find new buyers for the dried fruit.

Agri-revolution with
smartphones and data

“Our 80 credit agents can now serve even more smallholder farmers. Each of them can reach 250 members, and we hope that they’ll soon be able to
reach 350.”

Quick growing tips
Aldea agents continue to visit the smallholder farmers, especially the 30 percent who still don’t have a smartphone or Internet. “But we can dramatically reduce the number and duration of the visits”, says Armstrong. The association hopes that it can eventually digitize its advice as well. “For example with software that can provide quick growing tips based on someone’s GPS coordinates, their crops, and the available climate- and soil information about their location during a specific period.”

Intelligent use of data
“Collecting and analyzing data is crucial for our digital services”, Armstrong adds. “We’ve been collecting data for a while now, for example via the loan application visits and the tracking software for products. Now we have millions of pieces of data. What’s new is the intelligent analysis and use of the data.” Last year, a variety of experts taught Aldea how to do it – with some help from Rabo Foundation. “We’re getting more adept at it. And that’s good news for our members: data analysis is their key to a better future.”

Armstrong explains that Agri-ICT has been Aldea’s highest priority since the past year. “Our support is increasingly digital. From a special webshop for members, where 

they can order agricultural products like fertilizer, to the recent digitization of microcredit applications.”

Sturdy jeeps
Aldea Global is one of the few places in the country where farmers can apply for microcredit loans for an affordable interest rate. Armstrong: “Investigating their creditworthiness used to be a challenging and time-consuming process. Our 80 credit agents visited each applicant in person, which usually meant that they had to crawl up remote mountain trails in sturdy Jeeps.” That meant it took longer to process loan applications than Aldea would have liked. And with the increasing demand for loans, the credit agents would have to spend even more time on the road.

Special calculation model
“Together with Rabo Foundation, we were able to design and develop an innovative solution”, Armstrong says. “Now, we have every loan applicant fill in a brief questionnaire online using their smartphones. Based in part on the data they enter, we use a special calculation model to determine whether it’s prudent to grant them a loan.” With this digitization tool, Aldea can reach more members with the same manpower.

"We're constantly gaining new members; 12,000 at last count, half om whom are coffee farmers. They need timely and suistable microcredit loans and advice to improve and expand their production. Fortunately, thanks to ICT we can meet that growing demand." We hear from Warren Armstrong, General Director of Aldea Global, an association of smallholder farmers in Nicaragua.

Investing together
in growth
and a better world

Everyone must be able to build a good future on their own. But not everyone gets the chance, no matter how much they want it. Rabo Foundation gives motivated people the boost they need to get ahead.

We do this by investing with money, knowledge and access to our network in organizations that bring people together and offer opportunities for vulnerable people. We are strengthening the position of smallholder farmers in 22 countries in Africa, Asia and Latin America. We invest in cooperatives and farmers' organizations that farmers can join. In this way farmers can grow and take better care of themselves and their families. In the Netherlands we support social enterprises that create opportunities for people who want to work but find it difficult to find a job.

And we invest in civil society organizations that tackle the debt problem. So that everyone becomes financially healthier.

We believe in the power of together
The Rabo Foundation is therefore seeking cooperation with Rabobank customers. They can use their expertise and network. For example, by giving access to new markets. And contribute to a better world with a donation.

Why the Rabo Foundation?
Rabo Foundation has been active since 1974. Thanks to our many years of experience and knowledge, we can properly advise you as a donor. We know our project partners personally. That way you know that your donation ends up well and together with us you strengthen the future of vulnerable people.

Together with our donors, we contribute to a better world. Last year we invested in more than 369 organizations. All these organizations contribute to the growth and development of vulnerable groups of people, in the Netherlands and far beyond. Do you also want to participate?

Your donation sets
something in motion

You strengthen farmers' cooperatives in developing countries so that small-scale farmers can grow and increase their income. Or you ensure fair opportunities on the labor market in the Netherlands. In this way we work together for a better world, for everyone. You can donate to Rabo Foundation in different ways and from € 50,000 we set up a personal fund and you decide for yourself which theme you want to donate.

Working for a better future

Together with
Rabo Foundation

Contribute to a
better world

Regular donations
With a periodic gift you agree on a fixed amount that will be donated every year for five years. We record this together in a gift agreement. 

One-off donation
Of course you can also make a one-time donation. This one-time gift is then probably not fully deductible. Read more on the website of the tax authorities.

Thanks to the donations from our donors, we invest in more than 300 organizations every year. In this way they can work on their future and create opportunities for vulnerable people. View a number of projects where Rabo Foundation makes an impact.

A cooperative model changes the lives of more than 6,000 women in India.

Sea Rangers from Rotterdam helps young people with a distance to the labor market to a challenging job.

Goshen, a fruit cooperative in Kenya, is drying mangoes for new markets and a higher income for smallholder farmers.

Agri revolution with mobile phones and data so that more smallholder coffee farmers in Nicaragua receive credit faster.

MORE INFORMATION

Contact
How can you contribute to Rabo Foundation? We will gladly discuss this with you. Contact Menno Maass for more information.

'Forest rangers at
sea' on the lookout

The Dutch waters of the North Sea are some of the busiest in the world. Where once only fishing vessels and merchantmen braved the sea, today the waters are crowded with windmills, 

Social enterprise Sea Rangers not only protects the North Sea, but also brings abroad young people  who have trouble finding work. 

recreational areas, and drilling platforms. Plus, the shipping lanes themselves are busier than ever. Half of the North Sea is currently at or near maximum capacity. For the government, it’s increasingly difficult to keep an eye on all of the comings and goings. “As a result, there is less supervision of things like illegal fishing and pollution”, says Wietse van der Werf.

Extra eyes on the lookout
That’s why the entrepreneur and nature lover Van der Werf came up with the idea for the Sea Rangers. They’re a bit like forest rangers at sea, who act as extra lookouts for the government. Van der Werf: “We have both an ecological and a social objective. Not only do we keep the North Sea clean and help protect nature, we also offer an appealing and challenging job to Navy veterans and unemployed youth.”

Job on the rolling waves
The Navy veterans train the young people during an intensive boot camp, after which they select those most suitable for a job on the rolling waves. “We currently employ 12 Sea Rangers. It’s going very well so far. What makes our re-integration program so unique, is that we can employ young people who often have very complex problems after only five weeks of boot camp. There are virtually no other training courses that successfully help young people from welfare to work in such a short time. Moreover, many projects for the unemployed don’t really appeal to the imagination. Sea Rangers, on the other hand, improves their social status immensely.”

Sailing vessels in the offshore industry
The Sea Rangers don’t use a motorized boat; they sail aboard a sustainable sailing vessel. “It’s absolutely unique in the maritime world”, says Van der Werf. “We’re the only offshore organization in the world to use fully certified sailing vessels.” Sea Rangers aims to operate four more of the vessels on the North Sea within the next five years, and the social enterprise hopes to eventually scale the project up to other countries as well.

Werken aan de toekomst

Financieringsvormen
Rabo Foundation verstrekt met name (zachte) leningen en donaties. Bij de beoordeling van ondernemingen kijken we naar de beoogde impact, het marktrisico, het managementrisico en het financiële risico van de onderneming.

Lening tegen gunstige voorwaarden

  • Minimale omvang 40.000 euro, maximale omvang 250.000 euro
  • Looptijd: 1-7 jaar
  • Rente: 0-4%
  • Geen zekerheden

Vaste voorwaarden: o.a. sociale doelstelling verankerd in statuten, scheiding van uitvoerend en toezichthoudend orgaan, er wordt een impactmeting gedaan en een voortgangs- en eindrapportage opgeleverd/ no change of management & ownership/ non- dividend/ no further debt/ maximering totale management fee gedurende de looptijd van de lening.

Vaste voorwaarden: o.a. sociale doelstelling verankerd in statuten, er is scheiding van uitvoerend en toezichthoudend orgaan, er wordt een impactmeting gedaan en een voortgangs- en eindrapportage opgeleverd.

Donatie

  • Minimale omvang 30.000 euro
  • Looptijd minimaal 1 jaar

Toegang tot kennis 
Rabo Foundation is als partner betrokken bij de ontwikkeling van drie leergangen. Sociaal ondernemers kunnen hun ondernemers-vaardigheden versterken via:

Toegang tot netwerk 
Rabo Foundation beschikt over een netwerk van ervaren ondernemers, coaches en andere financiers. Afhankelijk van de behoefte brengen we een sociaal ondernemer in contact met een coach voor tijdelijke ondersteuning of bijvoorbeeld een lokale bank als er behoefte is aan bijvoorbeeld lease of een rekening courant. Rabo Foundation is ook aangesloten bij verschillende samenwerkingsverbanden waarbij impactfinanciers en (private equity)fondsen maatschappelijke en duurzame ondernemers helpen met hun financiering.

MEER WETEN?

Contact
Is in jouw regio een sociale onderneming actief, op het gebied van arbeidstoeleiding voor mensen met een afstand tot de arbeidsmarkt, breng hem in contact met Rabo Foundation. Neem hiervoor contact op met Nanouk Grootendorst of Nynke Struik
.

Uitdagende baan voor werklozen in Nederland

Praktijkvoorbeelden
Cooperative model
is changing
live Indian women

The women are members of one of the ten cooperatives within the Madhya Pradesh Women's Poultry Producers Company Private Limited (MPWPCL) federation.

Together you move forward. Like the 6,000 female poultry farmers in a remote region of the state of Madhya Pradesh in Central India.

The women have experienced a growth together with the milestone in 2018: the opening of their own poultry feed factory.

Thousands of members, ten cooperatives, one federation
The majority of these women have no education. All women lived below the poverty line set by the Indian government. But that changed. In the 2018 financial year, the women jointly earned the equivalent of more than 2.5 million euros. They are getting closer to economic and social independence. It has changed their lives, and that of their families and local communities.

Rabo Foundation has been investing in MPWPCL since 2009. At that time, the farmers seemed to be losing interest in the poultry sector. They had to invest in their company, but could not get loans. Rabo Foundation came up with a solution and developed a cooperative model together with the NGO Pradan.

The model integrates chicken barns, a broiler farm and a concentrate feed facility and provides access to knowledge and network with, among others, a veterinarian. Capital was also needed. The collaboration started with loans of 1,500 euros per farmer. This allowed them to build their own stable and they improved the operational and financial systems of the cooperative.

Society as a whole benefits
A new poultry feed factory opened in 2018. Rabo Foundation provided the loan for this together with Rabobank India. It was the largest loan ever to a producer organization in India, and the largest in the history of Rabo Foundation. The opening of the factory is a major milestone for the cooperative. For women it is a new step on the road to self-reliance. With the factory they can improve the feed for the chickens. Together, the women care for 15 million chickens per year and the availability of protein-rich food for the region is increasing considerably as a result. The entire community benefits from this.

Sociaal ondernemers
& Rabo Foundation

Rabo Foundation investeert in de (fiinanciële)
zelfredzaamheid van kwetsbare mensen. In Nederland geven we daar onder andere invulling aan door financieel en inhoudelijk te investeren in sociale ondernemingen. De focus ligt op arbeidstoeleiding voor mensen met een afstand tot de arbeidsmarkt.

In Nederland komen honderdduizenden mensen moeilijk aan een baan. Het zijn onder andere jongeren zonder startkwalificatie, mensen met een fysieke of verstandelijke beperking, statushouders of kwetsbare vrouwen. Rabo Foundation investeert in de sociale ondernemingen die kansen creëren voor deze mensen en het begeleiding bieden om onderdeel uit te maken van het arbeidsproces. Zoals i-did, Rebottled en Blooming Bakery.

Via de financiering van sociaal ondernemers zorgt Rabo Foundation voor:

  • Arbeidstoeleiding van mensen met een afstand tot de arbeidsmarkt zodat zij meer zelfredzaam zijn en meedoen in de maatschappij;
  • Groei van sociale en innovatieve ondernemingen;
  • Een inclusievere arbeidsmarkt zodat ze meer impact realiseren, op termijn rendabel zijn en over kunnen naar de reguliere bank;
  • Het aantonen van het belang van sociaal ondernemen. Willen we de aarde voor iedereen leefbaar houden, moet en kan ondernemen anders. Sociale ondernemingen bieden reguliere bedrijven een spiegel. Ze tonen aan dat je door middel van sociaal en duurzaam ondernemen ook een rendabele onderneming kan neerzetten.
Werken aan de toekomst

Financieringsvormen
Rabo Foundation verstrekt met name (zachte) leningen en donaties. Bij de beoordeling van ondernemingen kijken we naar de beoogde impact, het marktrisico, het managementrisico en het financiële risico van de onderneming.

Lening tegen gunstige voorwaarden

  • Minimale omvang 40.000 euro, maximale omvang 250.000 euro
  • Looptijd: 1-7 jaar
  • Rente: 0-4%
  • Geen zekerheden

Vaste voorwaarden: o.a. sociale doelstelling verankerd in statuten, scheiding van uitvoerend en toezichthoudend orgaan, er wordt een impactmeting gedaan en een voortgangs- en eindrapportage opgeleverd/ no change of management & ownership/ non- dividend/ no further debt/ maximering totale management fee gedurende de looptijd van de lening.

Vaste voorwaarden: o.a. sociale doelstelling verankerd in statuten, er is scheiding van uitvoerend en toezichthoudend orgaan, er wordt een impactmeting gedaan en een voortgangs- en eindrapportage opgeleverd.

Donatie

  • Minimale omvang 30.000 euro
  • Looptijd minimaal 1 jaar

Toegang tot kennis 
Rabo Foundation is als partner betrokken bij de ontwikkeling van drie leergangen. Sociaal ondernemers kunnen hun ondernemers-vaardigheden versterken via:

Toegang tot netwerk 
Rabo Foundation beschikt over een netwerk van ervaren ondernemers, coaches en andere financiers. Afhankelijk van de behoefte brengen we een sociaal ondernemer in contact met een coach voor tijdelijke ondersteuning of bijvoorbeeld een lokale bank als er behoefte is aan bijvoorbeeld lease of een rekening courant. Rabo Foundation is ook aangesloten bij verschillende samenwerkingsverbanden waarbij impactfinanciers en (private equity)fondsen maatschappelijke en duurzame ondernemers helpen met hun financiering.

MEER WETEN?

Contact
Is in jouw regio een sociale onderneming actief, op het gebied van arbeidstoeleiding voor mensen met een afstand tot de arbeidsmarkt, breng hem in contact met Rabo Foundation. Neem hiervoor contact op met Nanouk Grootendorst of Nynke Struik
.

Uitdagende baan voor werklozen in Nederland

Praktijkvoorbeelden
Financial security 
through mangoes 

Alex Muli started out as a small mango farmer with big ambitions. “I wanted to sell more mangoes, and I wanted to sell them abroad. But my harvest was too

Fresh fruit doesn't stay fresh for long. In Kenya, for example, 80 percent of the mangoes harvested rot before they can be sold. Alex Muli's company Goshen Farm Exporters Ltd. came up with a solution that increased the income of largely poor smallholder mango farmers. 'Dried fruit has proven to sell extremely well, both locally and internationally.'

small to have a serious chance at market. In order to supply larger volumes, I had to cooperate with other farmers.” To do that, he founded the company Goshen Farm Exporters Ltd. in 2010. By late 2017, Goshen worked together with 420 independent smallholder farmers, and by the end of the next year another 370 producers had joined them. And the growth shows no signs of stopping.

Providing security
Muli: “The farmers I work with come from different parts of the country. From West-, Central- and Southeast Kenya. The largest producers have seven hectares of land at most, and some only have a quarter hectare. They grow mangoes, pineapples, and avocados. I receive the products, package them, and bring them to market.” Why do the smallholder farmers like to work with Goshen? “We buy their products at regular intervals, and then bring them to market in Kenya or export them abroad. That gives them financial security, which improves their quality of life.” Muli knows how desperately they need it. Around 75 percent of the Kenyan population works in the agricultural sector, and the country’s rural agricultural areas are most affected by poverty.

Drying mangoes
“Until recently, we only brought fresh mangoes to market, but most of them would rot before we could sell them. That’s a terrible waste. Our solution was to dry the mangoes.” Goshen found a good export market for the dried fruit, which isn’t limited to the season. The result: less food wastage, greater demand for mangoes, and more sales for smallholder farmers. That gave the farmers a higher income and improved living conditions.
Goshen began drying fruit in 2018, and plans on focusing more the activity in the future. “We’ll soon begin processing, packaging and exporting pineapples in addition to mangoes”, Muli says. “And we plan on adding oranges in the long term as well. ‘Dried fruit has proven to sell extremely well internationally.” Eventually, he aims to earn 70 percent of Goshen’s revenue from dried fruit, and he’d like to expand his export market. “Hopefully, our products will be available in the Netherlands too some day soon!”

 

Werken aan de toekomst

Financieringsvormen
Rabo Foundation verstrekt met name (zachte) leningen en donaties. Bij de beoordeling van ondernemingen kijken we naar de beoogde impact, het marktrisico, het managementrisico en het financiële risico van de onderneming.

Lening tegen gunstige voorwaarden

  • Minimale omvang 40.000 euro, maximale omvang 250.000 euro
  • Looptijd: 1-7 jaar
  • Rente: 0-4%
  • Geen zekerheden

Vaste voorwaarden: o.a. sociale doelstelling verankerd in statuten, scheiding van uitvoerend en toezichthoudend orgaan, er wordt een impactmeting gedaan en een voortgangs- en eindrapportage opgeleverd/ no change of management & ownership/ non- dividend/ no further debt/ maximering totale management fee gedurende de looptijd van de lening.

Vaste voorwaarden: o.a. sociale doelstelling verankerd in statuten, er is scheiding van uitvoerend en toezichthoudend orgaan, er wordt een impactmeting gedaan en een voortgangs- en eindrapportage opgeleverd.

Donatie

  • Minimale omvang 30.000 euro
  • Looptijd minimaal 1 jaar

Toegang tot kennis 
Rabo Foundation is als partner betrokken bij de ontwikkeling van drie leergangen. Sociaal ondernemers kunnen hun ondernemers-vaardigheden versterken via:

Toegang tot netwerk 
Rabo Foundation beschikt over een netwerk van ervaren ondernemers, coaches en andere financiers. Afhankelijk van de behoefte brengen we een sociaal ondernemer in contact met een coach voor tijdelijke ondersteuning of bijvoorbeeld een lokale bank als er behoefte is aan bijvoorbeeld lease of een rekening courant. Rabo Foundation is ook aangesloten bij verschillende samenwerkingsverbanden waarbij impactfinanciers en (private equity)fondsen maatschappelijke en duurzame ondernemers helpen met hun financiering.

MEER WETEN?

Contact
Is in jouw regio een sociale onderneming actief, op het gebied van arbeidstoeleiding voor mensen met een afstand tot de arbeidsmarkt, breng hem in contact met Rabo Foundation. Neem hiervoor contact op met Nanouk Grootendorst of Nynke Struik
.

Uitdagende baan voor werklozen in Nederland

Praktijkvoorbeelden
Agri-revolution with
smartphones
and data

Armstrong explains that Agri-ICT has been Aldea’s highest priority since the past year. “Our support is increasingly digital. From a special webshop for members, where 

"We're constantly gaining new members; 12,000 at last count, half om whom are coffee farmers. They need timely and suistable microcredit loans and advice to improve and expand their production. Fortunately, thanks to ICT we can meet that growing demand." We hear from Warren Armstrong, General Director of Aldea Global, an association of smallholder farmers in Nicaragua.

they can order agricultural products like fertilizer, to the recent digitization of microcredit applications.”

Sturdy jeeps
Aldea Global is one of the few places in the country where farmers can apply for microcredit loans for an affordable interest rate. Armstrong: “Investigating their creditworthiness used to be a challenging and time-consuming process. Our 80 credit agents visited each applicant in person, which usually meant that they had to crawl up remote mountain trails in sturdy Jeeps.” That meant it took longer to process loan applications than Aldea would have liked. And with the increasing demand for loans, the credit agents would have to spend even more time on the road.

Special calculation model
“Together with Rabo Foundation, we were able to design and develop an innovative solution”, Armstrong says. “Now, we have every loan applicant fill in a brief questionnaire online using their smartphones. Based in part on the data they enter, we use a special calculation model to determine whether it’s prudent to grant them a loan.” With this digitization tool, Aldea can reach more members with the same manpower.  “Our 80 credit agents can now serve even more smallholder farmers. Each of them can reach 250 members, and we hope that they’ll soon be able to reach 350.”

Quick growing tips
Aldea agents continue to visit the smallholder farmers, especially the 30 percent who still don’t have a smartphone or Internet. “But we can dramatically reduce the number and duration of the visits”, says Armstrong. The association hopes that it can eventually digitize its advice as well. “For example with software that can provide quick growing tips based on someone’s GPS coordinates, their crops, and the available climate- and soil information about their location during a specific period.”

Intelligent use of data
“Collecting and analyzing data is crucial for our digital services”, Armstrong adds. “We’ve been collecting data for a while now, for example via the loan application visits and the tracking software for products. Now we have millions of pieces of data. What’s new is the intelligent analysis and use of the data.” Last year, a variety of experts taught Aldea how to do it – with some help from Rabo Foundation. “We’re getting more adept at it. And that’s good news for our members: data analysis is their key to a better future.”