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BANANA UNDER-COCONUT-TREES PROJECT
(CARDAVA/LAKATAN LIVELIHOODDEMONSTRATION AND NURSERY)
LOCATION: PROJECT COST: SCENARIO: Vision: Mission: Food Security, Health and Financial Freedom Uplift Socio-Economic Life Through Organic Farming Zone 4, Brgy. Kabacsanan, Iligan City P958,084.60
Objectives: 1) To improve farming system. 2) To maximize utilization of land resources. 3) To assist farmers in putting agriculture into business. 4) To adapt organic intensive farming, providing healthful products. 5) To align with government programs in its drive for food security. 6) To provide livelihood projects to the less fortunate. 7) To demonstrate a complete organic crop-livestock cycle in the art of farming.
Kabuhayan Services Group (KSG) is a non-government organization (NGO) duly registered with the Department of Labor and Employment (DOLE), with its office address at Doña Juana Road, Purok 14, Brgy. Palao, Iligan City, Philippines.
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Presently, it has a 7-hectare Integrated Agribusiness Development Organic Farm located at Zone 4, Brgy. Kabacsanan, Iligan City. Of the sevenhectare area, 5 hectares are slightly rolling and 2 hectares hilly. At the foot of the hilly portion is a spring where residents rely for drinking water. KSG has already planted 4,500 Lakatan variety bananas and have rehabilitated 3,000 old Cardava bananas, all under old fruit bearing coconut trees.
3-months old Lakatan
6-months old Cardava bananas (with office staff Ms Charity Redoble)
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Kabuhayan Services Group (KSG) is in a hurry to help farmers improve their dwindling economic conditions by introducing and implementing banana production (cardava & lakatan) under coconut trees using our system now at work. At the same time, KSG has, in the same farm, eight (8) female native goats and one (1) Saanin (8-months old) buck to be used for breeding. The idea is to upgrade native goats to milking goats. used as raw material for beauty soap. Milk will be processed or pasteurized for human consumption and the excess shall be
8-months old Saanin buck
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(Dormitory-type goat house)
Goat dung will be used as organic fertilizer to KSG’s bananas, fruit trees and cash crops, like squash, chili, tomatoes, eggplants and other vegetables grown when areas still allow its production. Native chicken (Basilan strain) are also grown thru range farming. Excess water/sippage are utilized for sex-reverse tilapia production (please see attached photo below).
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This banana project under-coconut-trees is divided into three (3) sections, to dramatize or demonstrate profitability, with the assumption that coconut farmers are willing to do extra work to increase income of the family and to elevate their standard of living in the community. 1. FIRST SECTION Deals with fifty (50) households staying/working in coconut areas. Their concern is to dig ten (10) holes around their respective residences using the technology now being introduced by the Kabuhayan Services Group (KSG) at their Agribusiness Development Organic Farm. The system in planting cardava variety bananas is very simple. It only requires industry among farmers in the area. 2. SECOND SECTION The second section is LAKATAN variety of banana, which is very dependent on the supply of water. The only incentive that encourages everyone to plant such variety is the PRICE, which is more than double the price of CARDAVA. In spite of its being sensitive to drought, KSG will demonstrate to the areas with water supply that LAKATAN will give more income to the coconut farmers. There are plenty of areas in barangay Kabacsanan that are endowed with springs, but farmers just neglect its importance to the production of LAKATAN. Perhaps they do not know how to harness said resource to benefit the farmers. Once established, KSG will surely encourage them (coco-farmers having water supply) in as much as technology is available for them. THIRD SECTION The third section is necessary. This is very important in encouraging farmers to plant CASH CROPS during the first year of operation to be able to reduce the negative income performance for Year-1. Things are made easy, for seedlings are readily available for them to use as cash crops in Year-1. KSG provides this opportunity to make things easier for them.
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Some said, “why not give them seeds and let them grow by the mselves.” Experiences from the Department of Agriculture distributing seeds did not give good results. KSG assures them; follow through, and helps them market excess crops from household use. This is possible because KSG programs production of seedlings in order not to overload market with a particular product.
THE PROCEDURE: (Banana under Coconut Trees nearest to their respective residence) 1) Dig holes measuring one (1) meter by one (1) meter and halfmeter deep. 2) Distance from hole to hole edge is three (3) meters (please see attached photo).
3) Two (2) gallons of manure placed in the hole and covered half with top soil. 4) Plant one (1) banana shoot in every corner or four (4) shoots in a hole.
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5) Spray with Soil Conditioner before or after planting (the product is available at KSG), to neutralize soil acidity and to condition the soil. 6) Spray with another Organic Fertilizer (available at KSG) every month for 3 months and every 3 months thereafter until Flag Leaf appears. 7) Care and maintenance include de-leafing and cutting grasses around each hole. 8) Wait for harvest time. Shoots are controlled in such a way that harvesting is done every three (3) months only or four (4) times a year. In this manner, size and quality of bananas are maintained. Every household is given support for twenty (20) holes and all activities, from the start up to marketing, shall be under the supervision of KSG. SIS hereto attached) COST-BENEFIT ANALYSIS OF 10 HOLES PER HOUSEHOLD (Banana CARDAVA Variety)
EXPENSE Year-1 holing (10 holes x P40) banana shoots (P10 x 40 shoots) planting & fertilizer first application spraying maintenance soil conditioner liquid organic fertilizer dung administrative cost BENEFIT Year-1 400.00 400.00 200.00 300.00 900.00 500.00 1,500.00 90.00 434.00
(Please see COST-BENEFIT ANALY-
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4,724.00 NET BENEFIT – YEAR 1 Year-2 Year-2 st 1 harvest (20 kgs x 40 bunches x P7.00 = P5,600.00) nd 2 harvest rd 3 harvest th 4 harvest TOTAL BENEFIT Less: 4,724.00 + 3,300.00 (4,724.00)
1 harvest (fertilizer & harvesting) 2 harvest (fertilizer & harvesting) rd 3 harvest (fertilizer & harvesting) th 4 harvest (fertilizer & harvesting) Maintenance TOTAL COST
600.00 600.00 600.00 600.00 900.00 3,300.00
5,600.00 5,600.00 5,600.00 5,600.00 22,400.00 8,024.00 14,376.00
ACCUMULATED NET BENEFIT – [YEAR 1 & 2] Year-3 fertilizer & harvesting maintenance TOTAL COST Year-3 2,400.00 900.00 3,300.00 1st harvest 2nd harvest 3rd harvest 4th harvest TOTAL BENEFIT LESS: NET BENEFIT – YEAR 3 From year 4 onwards, the annual net benefit (per household) would be
5,600.00 5,600.00 5,600.00 5,600.00 22,400.00 3,300.00 19,100.00 19,100.00
Annual benefits for 50 households 19,100.00 X 50
NOTE: a) Excluding sale of extra shoots by household b) Weight per bunch – 20 kilograms c) Farm gate price – P7.00/kilogram of green banana fruits d) Budget support – for a period of one (1) year only
COST-BENEFIT ANALYSIS OF 10 HOLES Banana LAKATAN Variety
EXPENSE Year-1 holing (10 holes x 40 per hole) banana shoots (40 at P10 each) planting & fertilizer first application (P20.00 x 10 = 200.00) spraying maintenance soil conditioner liquid organic fertilizer dung administrative cost TOTAL COST BENEFIT Year-1 400.00 400.00 200.00 300.00 900.00 500.00 1,500.00 90.00 434.00 4,724.00 NET BENEFIT – YEAR 1 Year-2 1 harvest (fertilizer & harvesting) 2 harvest (fertilizer & harvesting) rd 3 harvest (fertilizer & harvesting) th 4 harvest (fertilizer & harvesting) Maintenance TOTAL COST
600.00 600.00 600.00 600.00 900.00 3,300.00
Year-2 st 1 harvest (20 kgs x 40 bunches x P16.00 = P12,800.00) nd 2 harvest rd 3 harvest th 4 harvest
12,800.00 12,800.00 12,800.00 12,800.00 51,200.00 8,024.00 43,176.00
TOTAL BENEFIT Less: 4,724.00 + 3,300.00 NET BENEFIT – YEAR 2 (51,200-8,024)
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ACCUMULATED BENEFIT – YEAR 1 & 2 Year-3 fertilizer & harvesting maintenance TOTAL COST Year-3 1st harvest 2nd harvest 3rd harvest 4th harvest TOTAL BENEFIT NET BENEFIT – YEAR 3 (51,200-3,300)
2,400.00 900.00 3,300.00
12,800.00 12,800.00 12,800.00 12,800.00 51,200.00 47,900.00 47,900.00
From year 4 onwards, the annual net benefit (per household) would be
Annual benefits for 50 households P47,900.00 X 50
a) b) c) d) Excluding FREE DISTRIBUTION of extra shoots [estimated at 6,000 shoots per annum] Weight per bunch – 20 kilograms Farm gate price – P16.00/kilogram of green banana fruits Budget support – for a period of one (1) year only
The logistic support per household is only P4,724.00. With the targeted fifty (50) households, P236,200.00 is needed for cardava livelihood. For the Lakatan banana livelihood, P236,200.00 is likewise allocated for KSG to demonstrate a small area taken from the seven-hectare agribusiness development organic farm, to show to the 50 households that Lakatan can be grown successfully when water is readily available. The KSG Integrated Agribusiness Development Organic Farm is very lucky to have a spring at the foot of the hilly portion of the area. Spring water is impounded first and stocked with sex reverse tilapia before it is being used to water the Lakatan bananas. The cost-benefit analysis as shown will give a good idea in the difference of income. Lakatan variety has shown a tremendous difference in income in the amount of P1,440,000.00 (P2,395,000.00–955,000.00) for the 500 holes planted: again water is the determining factor. Barangay Kabacsanan has plenty of springs surrounding the area, but farmers do not see the importance of such water resource in the production of Lakatan banana which will give farmers a very high income. It can be noted that a household will have a negative benefit at year-1. However said household can have an income should he plant cash
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crops during the year-1. Here, benefits vary from one household to another. To accommodate industrious households who are willing to utilize areas where bananas are planted in day-1 to day-365, a nursery in the vicinity of KSG demonstration farm is deemed necessary to produce the needed seedlings for the household cash crops, especially during year-1. In this manner, deficit may be reduced and daily needs for the kitchen, at least, can be attended to. One Hundred Twenty Eight Thousand Two Hundred Eighty (P128,280.00) pesos would be enough to start a presentable nursery house and seeds to grow for distribution to participating households. (Please see attached nursery plan, and bill of materials, tools and equipments).
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NURSERY SKETCH PLAN
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BILL OF MATERIALS
UNIT PRICE NO. OF ITEMS COST
12 Bags cement 3 cubic meter sand (delivered at Kabacsanan) 2 kgs tie-wire cement hollow blocks (delivered to Kabacsanan coco-lumber Post 4x4x8 = 10.66 x 8 = 85.33 bdft x P15.00 = Truss 2x4x8 = 64/12 = 5.33 bdft x 8 x P15.00 Purlains 2x3x8 =48/12 =4 x12 =48 x P15 = Beam 2x4x10 = 80/12 = 6.66x4 = 26.64xP15 = 400.00 Beam 2x4x12 =96/12 = 8x4=32xP15 =P480.00 Boxes 2x2x12 = 48/12 = 4x16 =64xP15 = P960.00 umbrella nails G.I. plain sheets #28 G.I. sheet #24 nails #4 nails #3 nails #2 steel bars #9 hinges (2x4) ready-made door (70x210) door knob knapsack weighing scale (10kgs) trowel (bunglai) small pail shovel bolo w/ scabbard spading fork pruning shears rake sprinkler (1 gal. cap.) sprinkler (2 gal. cap.) plastic drum (200-lit. cap) PVC pipe blue (1/2”) PVC coupling (1/2”) gate valve faucet ½” heavy-duty hose w/ biv (25 meters long) polyethylene black bag (4”x6”) polyethylene black bag (5”x8”) polyethylene black bag (6”x8”) polyethylene black bag (8”x12”) polyethylene black bag (10”x12”) organic liquid fertilizer 220.00/bag 1,500.00/cum 65.00/kgs 12.00 each 15.00/bft 8 8 12 4 4 16 P80/kgs P260/pc 255/pc 44/kgs 45/kgs 48/kgs 75/pcs 80/pcs 3,500/pcs 450/pcs 3,500/pc 1,200/pc 75/pc 30/pc 350/pc 300/pc 350/pc 480/pc 180/pc 30/pc 50/pc 2,000/pc 55/pc 5/pc 155/pc 120/pc 850/set 185/ream 300/ream 550/ream 1,050/ream 1,280/ream 1,200/liter 2 kgs 2 pcs 14 pcs 10 kgs 10 kgs 10 kgs 22 pcs 4 pcs 2 pcs `2 pcs 1 pc 1 pc 5 pcs 2 pcs 2 pcs 2 pcs 2 pcs 2 pcs 1 pc 2 pcs 2 pcs 2 pcs 10 pcs 10 pcs 1 pc 1 pc 2 sets 50 reams 25 reams 15 reams 10 reams 5 reams 20 liters 1,280.00 640.00 720.00 400.00 480.00 960.00 160.00 520.00 3,570.00 440.00 450.00 480.00 1,650.00 320.00 7,000.00 900.00 3,500.00 1,200.00 375.00 60.00 700.00 600.00 700.00 960.00 180.00 60.00 100.00 4,000.00 550.00 50.00 155.00 120.00 1,700.00 9,250.00 5,500.00 8,250.00 10,100.00 6,400.00 24,000.00 Page 12 of 14 12 3 2 kgs 1,000 2,640.00 4,000.00 130.00 12,000.00
organic liquid soil conditioner double net fishnet COST FOR NURSERY SECTION COST for CARDAVA SECTION @ 4,724/household x 50 households COST for LAKATAN SECTION SUB-TOTAL COST Labor @ 35% of SUB-TOTAL cost (600,680.00 x .35) = P210,238.00 Admin cost @ 10% of SUB-TOTAL cost (600,680.00x10% = P60,068.00
20 liters 1 roll
24,000.00 5,800.00 128,280.00 236,200.00 236,200.00 600,680.00 210,238.00 60,068.00 870,986.00 870,986.00 87,098.60
Contingency (870,986.00 X 10%)
TOTAL PROJECT COST
In year-2, the gross benefit of Cardava is P22,400.00, less deficit of year1 and expenses of year-2, said household will have a net benefit of P14,376.00, an added income to the usual undertaking. Year-3 onwards will have a net benefit of P19,100.00, not including the sale of shoots removed due to quality control (household’s own discretion whether to sell or to be given for free to their relatives and friends). In like manner, in Year-2, the gross benefit of Lakatan is P51,200.00. Less deficit of Year-1 and expenses of Year-2, the net benefit is P43,176.00. In Year-3, the total benefit is P47,900.00, less expenses, giving a total annual benefit of P2,395,000.00. The grand total annual benefit from Cardava, Lakatan, and Nursery project is P3,050,000.00. The Kabuhayan Services Group (KSG) assures every household participating in the banana-under-coconut-tree project with respect to the marketing of their produce. As we increase in production, processing of bananas will come in and perhaps an international market can be arranged. The proponent is of the belief that farmers will surely improve their economic life at only ten (10) holes near their respective residences. How much more if they double the number, at their own expense, not to mention those farmers who are endowed with water resource in their respec-
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tive areas where Lakatan can be grown profusely. The possibility is not remote, for profit is the best motivation.
128,280.00 236,200.00 236,200.00 600,680.00 210,238.00 60,068.00 870,986.00
COST FOR NURSERY SECTION COST for CARDAVA SECTION @ 4,724/household x 50 households COST for LAKATAN SECTION SUB-TOTAL COST LABOR @ 35% of SUB-TOTAL cost (600,680.00 x .35) = P210,238.00 ADMINISTRATIVE COST @ 10% of SUB-TOTAL cost (600,680.00x10% = P60,068.00
CONTINGENCY (870,986.00 X 10%)
TOTAL PROJECT COST
We pray that this project proposal merits your utmost consideration and support. Most respectfully, we remain
Very truly yours,
CRISPINIANO T. RUEGA President
Mobile No.: 0926-902-4952 Landline No.: (063) 221-4369
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