Complimentary Income Generation Scheme (CIGS)
After three years of implementing GSOP it has been realized that the employment and cash income generated through the labour intensive public works (LIPWs) may not be sustained after the agricultural off seasons and also after Project completion. In order to address this challenge there is the need to institute an income generation scheme as a complimentary intervention under GSOP. Additionally it was realized the cash transfers under LEAP could not move beneficiaries out of poverty. It was against the backdrop that the Complimentary Income Generation Scheme is being implemented by the Ministry of Local Government through the Ghana Social Opportunities Project.
DESCRIPTION OF COMPLIMENTARY INCOME GENERATION SCHEME
The complimentary income generation scheme will support the transfer of technical, managerial and financial resources for the development of income generating activities that will be managed and owned by poor individuals who have shown traits of self - empowerment and enterprising efforts after benefiting from the Livelihood Empowerment Against Poverty (LEAP) programme and/ or the Labour Intensive Public Works (LIPWs) programme for their economic and social well – being.
The goal of the Complimentary Income Generation Scheme is to improve GSOP exit strategy by creating opportunities for LIPW/LEAP beneficiaries to graduate out of extreme poverty.
To consciously target and support LEAP and LIPW beneficiaries who show entrepreneurial traits by applying a portion of their earnings from participating in LIPW/LEAP activities to micro-enterprise activities
To assist targeted extreme poor and vulnerable enterprising individuals to cultivate a savings culture
To provide financial support in the form of grants and loans and technical assistance to the targeted beneficiaries to start micro enterprise activities or improve upon existing activities in order to accelerate their efforts at improving significantly their chances of graduating out of extreme poverty.
The Scheme shall be piloted in four (4) Districts.
The main activities to be carried-out are:
I. Training in Technical and Vocational skills and Business Support
II. Provision of Grants and loans to individuals for establishing or expanding their micro-enterprises.
1. Individuals that have undertaken labour intensive public works (LIPWs) and have on their own started an income generation activity (including petty trading)
2. Individuals that have made some savings from their LEAP/ LIPW earnings and have on the own started or willing to be trained to start a viable income generation activity.
Institutions that will provide technical and administrative support to beneficiaries on the CIGS include the following:
The GSOP Regional Coordinating Offices shall spearhead implementation with technical backstopping from the National Office
At the District level the key collaborating Agencies shall be Ministry of Agriculture (MOFA), Business Advisory Services (BAC), Department of Social Welfare and Community Development, Rural and Community Banks, NGOs in Business Development and Owners and Operators of micro-enterprises.
The key collaborating Institutions shall be the Community Credit Oversight Committees, MOFA Extension officers, NGOs in Business Development
The eligible income generation activities under the scheme are:
1. Fish Farming - Cage fish farming and Pond Fish farming
2. Fruit cultivation and processing (pineapple, watermelon, citrus)
3. Vegetable cultivation and processing
4. Bee Keeping and Honey production.
5. Snail farming
6. Mushroom farming
7. Poultry (including Guinea Fowls)
8. Improved breeds of small ruminants (Rabbits, Goats and sheep)
10. Vegetable oil production (shea butter, groundnut oil, palm oil and palm kernel oil
11. Herbal beverage production (noni, voacanga, dandelion, moringa etc)
12. Handicrafts production
13. Soap making, pomade, creams, and herbal lotions and ointments
14. Petty trading (LIPW and LEAP beneficiaries currently trading in products/produce targeted for production by beneficiaries of Scheme).
15. Cultivation of vertiver grass for basket weaving.
16. Improvement of existing tree crop for increased production (mango, cashew, Cocoa and citrus).
WHO QUALIFIES FOR PARTICIPATION IN THE PROGRAMME?
1. LEAP and LIPW beneficiaries who have shown entrepreneurial traits and are willing to undergo skill training in any of the eligible income generation activities
2. LEAP and LIPW beneficiaries who have made some savings from their earnings and are willing to undergo skill training in any of the eligible income generation activities
3. LEAP and LIPW beneficiaries who are not in default of any institutional loan.
REGISTRATION AT COMMUNITY WORKSHOP
The entry point for participation in the scheme is registration after each community sensitization workshop by GSOP RCO and District collaborating institutions.
PROCEDURE FOR SOURCING LOANS AND GRANTS BY BENEFICIARIES
The steps to be followed in requesting for support from the scheme are:
1. Participate in skill training organize by District Assembly
2. Complete a loan and grant application form with assistance from the District Business Advisory Centre (BAC) or District MOFA offices
3. Submit completed loan and grant application form to the nearest Accredited Rural/Community Bank
BENEFITS OF SCHEME
1. Individuals will acquire skills to engage in livelihood activities and self- employment.
2. Financial support (loans and grants) will enable individual acquire productive assets and working capital to support livelihood activities and improve on their income levels and general standard of living.