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Cooperative Development Organisation

Implementing Partners and Organisations


Period of Implementation

January 2015 - December 2021

Geographic scope

Africa: Togo


$ 147,000
€ 140 000


Others: Own funding


Banking & Financial Services, Rural Development, Social

Type of Activity

Budget support (Grants or Direct Financing), Governance and Organizational Strengthening, Institutional Building and Policy Dialogue, Training & Capacity Building


This project is located in the dry savannah area in the north of Togo (8,470 km2 - 830,000 inhabitants). More than 90% of the population lives below the poverty line. The main activity is subistence agriculture (agriculture de subsistence). The UCMECS unites 8 savings and credit cooperatives, has 38.000 clients of which 56% women. In 2019, BRS provided intensive further guidance to improve the credit processes and operation with customers/members on the basis of segmentation. The project ended in 2021.

Project Objectives

Strengthening the savings and loan operations of UCMECS for farmer groups in northern Togo in collaboration with Louvain Coopération au Développement. Specialized workshops. Support with strategy development and marketing. Revision of credit portfolio en credit process Product development and marketing Screening and optimization of customer database

Impact on SDGs

SDG1 - No Poverty
SDG5 - Gender Equality
SDG10 - Reduced Inequalities

Impact Measurement

Microfact Factstheet
Cerise SPI4 Audit report (social rating)

Direct beneficiaries

Organisations: 8

Individuals: 38000

Local stakeholders


Key Tags

Employment, Entrepreneurship, Informal economy