Income
Generating
Activities
MENARID Knowledge Exchange workshop
24th to 28th of March, Hammamet, Tunisia
{prepared by :- Mamoon Al Adaileh }
1
Description of the innovation
• The activity targeted the
rural women in the
southern part of Jordan
to Improve their life by
creating income
generating activity which
help on improving their
level of income.
2
Description of the innovation
• The partners involved in the innovation are women and ARMPII and
training centers in universities and ACC
• This program has targeted around 1300 women in technical training
courses on dairy and food processing , livestock raising , bread
production , mushroom production and soap manufacturing.
• Then we direct the women's to ACC to have loans , more than 700
women submitted to have loans from ACC, but only 550 women take
loans to establish their own projects( and that because of ACC
conditions )
• The project cost is varied from 500 jd up to 5000 jd depending on
the type of project but the total investment on these activities
exceeds 1.5 million us $
3
Results and benefits of the
innovation
Impact on farmers income
Activity
Investment
cost
Food processing
Shrak braed
500
Dryers, pastries and 500
pickles
Raising sheeps and 3000-5000
dairy products
dairy products
800-1100
Mushroom
500
production *
Chicken for egg 500
production
Cost and revenue for 2 months
Running cost+ Total
loan
reveniue
repayment
{monthly }
{monthly }
Net profit
122
28
200
75
88
47
60
169
109
60
117
147
180
87
63
0
35
35
4
Results and benefits
• Impact on farmers livelihoods
the life of the family had been changed
and women began to have a good effect
on family decision and significant
change can be noticed by eye on the
way of living and furniture inside house
, dressing type , kids education , health ,
and nutrition
• Impact on local communities
• Rising awareness of local communities
to give women's their rule in
development and improving the HH life
5
Results and benefits of the innovation
• Impact on natural resource
• Best use for available natural
resource specially water and soil
and of course human by capacity
building program on different
topic raised by women through
training on topics like mother and
kids health , public health ,
household budget , internet use,
……
• Using backyard stock in rational
way
6
SWOT analysis results
Strengths of your
organization when the
Weaknesses of your
organization when the
innovation has been
implemented
innovation has been
implemented
1 - existence of
institutions such as
universities and
vocational training
centers in the project
work area
2 - The presence of
qualified and trained
staff capable of
holding training
sessions
3 - The presence of
materials and
equipment needed
for training
4 - need of the target
group for the creation
of small income-
1 - the main reliance
in funding for
Agricultural Credit
Cooperation which
requires certain
guarantees that
women’s can’t
submit
2 - lack of diversity in
the areas of training
and limited to the
agricultural side only
3 - lack of trust
between members of
the local community
and the
implementing
agencies
7
Opportunities (external
Threats
factors from the environment)
(external factors from the
environment)
• Creating a group
of women can be a
trainer for others
• Youth participation
on work within the
family
• Export of high
quality , high
priced product
1- rely on local
marketing and
personal relationships
2 - lack of alternative
institutions to provide
financing and if they
found the interest
rate is high
3 - difficult economic
conditions of the
targeted families
4- Disjointed efforts
of stake holders
Rural poverty and opportunities provided by IGAs under ARMP II
Characteristics and
attributes of rural
poverty
Limited
access
to
alternative sources of 
off-farm income.
Current
Promote IGAs.
Opportunities provided by ARMP II
Potential

Increase economic benefits through employment
generation from IGAs.

Increase market linkages to assure farmers’
products access to markets, which will also
encourage farmers to increase productivity where
feasible.
Concentrate on improving on-farm efficiencies
through altering cropping patterns and specifically
concentrating on products that generate higher
returns per unit of water used.

Limited opportunity for
diversification
of

farm enterprise in
view of physical farm
circumstances
(water,
soil,
topography).
Restricted access to the 
financial resources
needed to invest in a
farm activity with
higher
income
generating potential,
due to lack of
collateral.
Promotion of IGAs 
that maximize returns
from
limited

resources.
Improve access to credit to invest in a farm activity
with higher income generating potential.

Establish market linkages to ensure sales of
products.
The project should explore the possibility of helping
farmers – and in particular the most vulnerable –
prepare business plans that highlight the expected
returns from the investment. These plans should be
presented to ACC when loans are requested.
ACC’s
lending 
conditions
have
improved, but there is
scope for further
improvements
to
ensure that benefits
reach
the
most
vulnerable groups.
Raise awareness of economic benefits deriving from
collective action to reduce costs along the chains and
maximize profits.
8
Recommendations to policy-makers to scaleup the innovation, and to remove constraints
• 1. Improve access to credit to invest in a farm activity with
higher income generating potential.(reducing the conditions)
• 2.
• 3.
• 4.
• 5.
• Other
9
Let us discuss it !
Questions, comments and suggestions are welcome!
10
S
W
Relatively low startup cost
O
Demand shift
toward fresh
produce
Increase
product
recognition
Mushroo Reasonably priced
m
Productio Environmentally
friendly
n
Few clusters of
mushroom
producing units in
the country
Weak marketing and
distribution system
Lack of storage
facilities
Lack of business skills
Lack of adequate
funding
T
Market growth Packaging and
processing
(locally and
internationally Disease risk
)
Training and
support
No land use
Knowledge of
therapeutic use of
medicinal plants
Medicina Small land use
l Herbs
Gender friendly
Relatively higher
economic returns
Lack of management
and marketing skills
Lack of access to
funding
Growing
international
market
Intensification of
production
Processing and
packaging
Growing local
pharmaceutica Lack of market access
Relatively higher water l industry
Possible quick
use efficiency
Alternative
saturation of niche
medicine
markets
11