Project Proposal on Micro Dairy
Farm with 5 Cows
1. Background
1.1. Name of Farmer:
Namw:
CID
No.:
Village:
Geog:
Dzongkhag:
Thram
no.:
House
No.:
1.2. Scale of Operation
5
Jersey Cross-Bred Cows: A Micro Dairy Farm
1.3. Land
House
No.:
Thram
No.:
Dry
land:
Wet
land:
Thram
No.:
Dry
land:
Wet
land:
1.4. Road Access
Farm
road passes along the farm. The -------------------------Highway
is at a distance of about ..........km/ meters (Maximum).
1.5. Water
The
Gewog has good drinking water supply.
However, the source of piped water is far and often breaks down during
summer months.
The
perennial water source is at about ----- minute walking distance away, from
where the drinking water used to be traditionally fetched.
The
------------- Gewog of --------- receives --------- rainfall, over -----------mm
rain per year. So, water harvesting will
be done and stocked to meet the Water supply at times of short supply.
1.6. Market Perspective
Local
market price of milk is Nu. ------/= per liter, butter -------/= per kg and cheese
----------per ball.
Nonetheless,
the project proposes as alternative to make butter and cheese, stock them and
supply to Thimphu. It is imperative as
the price of milk paid is low and long term stability of the local micro milk
processor is not certain.
1.7. Funding
The project proposal is
developed for seeking financial support from BOIC.
The project is an 8 year
project. In 8 years the loan amount along
with interest at 4% shall be liquidated.
It is proposed to repay the
loan on fixed straight line mode and pay Nu. 100,000.00 (one hundred thousands)
annually, until the loan is fully liquidated.
By nature dairy enterprise is
front end capital intensive requiring high initial capital investment. The turnover period is long as it has long
gestation period and the risk of disease outbreak is high.
This project is affirmed to be
viable only with BOIC support lending credit at 4% which otherwise not viable if
it has to seek loan at commercial interest rates of 13% from Banks.
2. Objectives
2.1. Generate income from sale of milk and milk products, and live
animals to support family livelihood.
2.2. To have profitable alternative employment option for children and
promote micro dairy farming among fellow farmers and rural youths.
2.3. To generate Bio-gas and have sustainable supply of energy for
cooking such that firewood collection from forest is no longer necessary.
2.4. To promote organic farming among fellow farmers Ugentse Geog.
The farm will serve as a model micro
dairy farm for farmers of Ugentse Gewog of Samtse Dzongkhag. It will create the scope of having a Milk
Producers Group in the Geog which is inevitable to market fresh milk and milk
products to Thimphu.
The plentiful manure produced
shall improve the productivity of other crops and enable to practice organic
farming.
3. SWOT Analysis
Strong policy support of the Government extended
through BOIC for Dairy projects (Kuensel 31st December 2014) is
primary source of motivation.
The Government has been
providing credit at lowest possible interest rate of 4%. The demand of milk and milk products has
always been high and ever increasing.
The market is readily available, the price is high and entrepreneurial
skills is adequate.
Besides, the adequate family labour, land to grow
pasture, standing fodder tree in the farm, crop residues to feed the cows, farm
road passing through and nearness to the highway are the strengths of this
enterprise.
The initial front end capital investment
is high. The shelf of milk is low and
the enterprise has long gestation period.
These are the strong weaknesses of the enterprises, which deer most entrepreneurs.
Cheap import from India and the possibility of
disease outbreaks and death of the cows, non-availability
and high cost of replacement stocks are
the threat to the enterprise. Sudden
change is the policy support is also a potent threat.
SWOT ANALYSIS
|
|
Strength
v Financial
support of BOIC at 4% interest.
v Availability
of land, labour, fodder, crop residues and water
v High
demand and good price for milk and milk products
v Good level of
entrepreneurial skills
|
Weakness
v High
initial capital investment
v Long
production/ turnover period
v Short
shelf life of milk
v Long
distance from Thimphu
v Require
large area of land
|
Opportunities
v Strong
Government policy support
v High
demand and ready market
v Good
scope for product diversification
v Expansion
of enterprise creating jobs at home.
v Socially
acceptable enterprise
|
Threats
v Diseases
outbreaks
v Cheap
import from India
v Sudden
change in policy support.
v Replacement
stock not readily available and the cost is high.
|
4. PEST Analysis
The Political, Economical,
Social and Technical (PEST) analysis affirms high demand of milk and milk,
availability of the technology available, there is strong policy support of the
Government and it is socially acceptable just enterprise.
Parameters
|
Implication for your
organization/business
|
Political
|
|
National Policies
|
Improve Rural livelihood and well
being
Poverty Reduction
Job Creation
Import substitution of Dairy
Products
|
Economic
|
|
Demand
|
High
|
Supply
|
Low
|
Market Prices
|
Good
|
Market trend
|
Increasing.
|
Capital investment
|
Requires high initial capital
investment cost.
|
Social
|
|
Social stigma
|
Socially just as it does not involve
slaughtering
|
Technological
|
|
Technology
|
Available
|
Equipments
|
Available
|
Entrepreneurial skill
|
Adequate
|
Dairy enterprise is capital intensive. It is expensive to start and it takes long
turn over time to generate income and pay back the loan for establishment.
Dairy enterprise deals with live animals vulnerable
to disease outbreak and the risk of animals being succumbed to diseases is
high. Because it requires land for
fodder production, the scope of expansion is limited. Also the marketable products; the milk and
milk products are highly perishable and have short shelf life.
However, with the strong government
policy support, high level of entrepreneurial skills and commitment of the
entrepreneurs shall take care of all the weakness and threats of this
enterprise.
5. Technical Plan
5.1. Structure and Equipment
Structures
The structures will include:
1. Main
shed (26 ft x 16.5 ft).
2. Dung
peat (20 ft L x 5ft B x 4ft H).
3. Feed
store (8ft x 6 ft).
4. Calf Pan
(6ft x 5 ft).
5. Water
Tank (1000 liter Syntex tank and stand).
6. Biogas
plant (Standard size)
The sketch map of the structure
is provided in Figure -1.
Total wall height of main shed
shall be 12 ft. At 8ft height, a wooden
ceiling will be made. The 4 ft tall
ceiling space will be used for keeping silage and hay.
The total wall height for feed
store (8ft x 6ft) and calf shed (5ft x 4 ft) shall be only 8ft.
The dung peat will be made of
stone concrete masonry. The urine will
be collected in urine pit.
The Biogas plant will be built
under guidance of the Department of Livestock.
Equipment
The
following necessarily required dairy equipments shall be purchased:
1. Chaff cutter 1
no.
2. Milk Cans (5, 10, 20 and 40 lit. cap.) 1
set
4. Cream Separator cum Butter Churner 1 no
5. Deep Freezer (65 -125 liter) 1
no
5.2. Parent Stock and Herd Dynamic
The Jersey cross bred cows
having up to 75 % exotic blood inheritance giving 8L milk/day, preferably in 1st
to 2nd lactations shall be procured.
Three in milking and two dry
pregnant cows (70:30 ratios) shall be procured to ensure continuous production
of milk year round.
The female progeny born will serve
as the replacement stock to replace aging and/ or low performing cows.
The male progeny born will be
reared for 15- 18 months and sold off.
Parameters
|
%
|
Year
1
|
Year
2
|
Year
3
|
Year
4
|
Year
5
|
Total
Adult Unit
|
5
|
5
|
5
|
6
|
6
|
|
Adult
mortality
|
0
|
0.0
|
0.0
|
0.0
|
0
|
0.0
|
Culling
|
-
|
-
|
-
|
-
|
1
|
1
|
Closing
Balance
|
5
|
5
|
5
|
5
|
5
|
|
Calving
|
75
|
4
|
4
|
4
|
4
|
4
|
0-1
yr. mortality
|
5
|
0
|
0
|
0
|
0
|
0
|
1
to 3 yr. mortality
|
0
|
0
|
0
|
0
|
0
|
0
|
Female
calf
|
50
|
2
|
2
|
2
|
2
|
2
|
Male
calf
|
50
|
2
|
2
|
2
|
2
|
2
|
5.3. Feeding
5.3.1. Dry Matter Requirement
The Dry Matter (DM) requirement
will be met with a combination of concentrated feed and the green fodder from
pastures, fodder trees and forest, crop residues, silage and hay.
A cow on an average weighing 300
kg live body weight will be considered as one Adult Unit (1 AU).
In a day, DM equivalent to 2.5%
live weight of the cow shall be fed.
To 1 AU weighing 300 kg, 7.5 kg
DM shall be fed in a day.
100 kg green fodder in growth
stage shall be considered equivalent to 20 kg DM and in flowering or later
stage shall be considered equivalent to 25 kg.
About 80 % of DM requirement will be met with green fodder
(50 %), silage (20%) and hay/straw-(10%).
The balance 20% will be met from concentrate.
5.3.2. Fodder Production
Pasture shall be established
and fodder trees shall be planted in own registered land. Hybrid Napier and Guinea grass among tall
grasses and Desmodium and Setaria among short grasses shall be grown. Among fodder trees fast growing local species
shall be planted.
To the extent possible 0.5 acre
of land/animal will be allocated for fodder production.
Hay making and fodder enrichment such as ensiling
silage, feed blocking will be done. The
excess green fodder during summer shall be converted into hay or silage and
stocked for lean season.
The silage making in plastic-bag will be
done. It has comparative
advantage over silo-pit, for small scale farming (micro- farm). It involves less cost, less labor intensive
and more convenient technique.
A minimum of 4 MT of silage shall be conserved which
will be adequate to feed 5 cows @ 6kg silage/animal/day for a period of four
months.
The fodder grasses will be
grown in dry land and fodder trees of recommended and/or local species will be
planted in and around farm boundaries including wetland boundaries.
5.3.3. Feed Concentrates
Cows will be fed with
Concentrates following the recommended feeding regimes recommended by the
Department of Livestock.
Specific ration including calf
starter, maintenance requirement, gestation and production rations shall be fed.
In case the concentrates are
either too expensive or inconvenience to get, a home-made general ration of
following combination in 100 kg shall be made:
1. Crushed maize 42
kg
2. Wheat/ Rice bran (Dhuto) 35
kg
3. Oil Cakes (Pina) 20
kg
4. Mineral mixture
2 kg
5. Salt 1 kg
Total
100
kg
Anything additional of extra to
needed to be added shall be done as per the advice of the Dzongkhag Livestock
Officials.
5.3.4. Feeding Regimes
When 40 kg "nutritive"
green fodder is fed to an Adult Unit (AU) in a day, it will meet the feeding
requirement. However, 1 kg concentrate per
day shall be fed for good health of the cows.
Fodder
grasses like Guinea or Napier with a minimum of 6 % crude protein on dry matter
basis is considered adequate as maintenance ration.
Grass-legume
mixed fodder is considered adequate to maintain milk production of up to 3-4 kg.
Generally
an Adult Unit (AU) weighing 300 kg body weight shall be fed 7.5 kg DM and 3 kg
concentrate, including maintenance and production/pregnancy allowance.
As
a guideline the following feeding regime shall be followed:
Feeding
regimes for Milking Cows
Sl No.
|
Milk
Production
|
Time
|
Green Fodder
(kg)
|
Dry Fodder
(kg)
|
Concentrate
(kg)
|
1.
|
6-7 liters milk per day
|
Lactation
days
|
20-25
|
5-6
|
3.0-3.5
|
Dry days
|
15-20
|
6-7
|
0.5-1.0
|
||
2.
|
8-10 liters milk per day
|
Lactation
days
|
25-30
|
4-5
|
4.0-4.5
|
Dry days
|
20-25
|
6-7
|
0.5-1.0
|
Feeding
regime during Summer and winter months for different category of Cows
Category
|
Summer
Feeding Regime
|
Winter
Feeding Regime
|
|||
Concentrate Mixture (kg
|
Green Fodder (kg)
|
Concentrate Mixture (kg)
|
Green Fodder (kg)
|
Dry Fodder (kg)
|
|
Dry Cows
|
-
|
25-30
|
1.25
|
5.0
|
5-6
|
Milking
|
1 kg for every 2.5-3.0 kg of milk
|
30
|
1.25 + 1 kg for every 2.5 - 3.0 kg of milk
|
5.0
|
5 – 6
|
Pregnant
|
Production Allowance + 1 to 1.5 kg from 6th month
of pregnancy
|
25 - 30
|
Maintenance + production + 1 to 1.5 kg from 6th
month of pregnancy
|
5.0
|
5 - 6
|
Feeding
regime for calves up to 6 months
Age of calf
|
Approx. body
weight (kg)
|
Quantity of
milk (kg)
|
Quantity of
calf starter (g)
|
Green Fodder
(kg)
|
4 days to 4
weeks
|
25
|
2.5
|
Small qty.
|
Small qty.
|
4-6 weeks
|
30
|
3.0
|
50-100
|
Small qty.
|
6-8 weeks
|
35
|
2.5
|
100-250
|
Small qty.
|
8-10 weeks
|
40
|
2.0
|
250-350
|
Small qty.
|
10-12 weeks
|
45
|
1.5
|
350-500
|
1-0
|
12-16 weeks
|
55
|
-
|
500-750
|
1-2
|
16-20 weeks
|
65
|
-
|
750-1000
|
2-3
|
20-24 weeks
|
75
|
-
|
1000-1500
|
3-5
|
Also
the following points shall be kept in mind in feeding the cows:
- Maintain optimum ratio of roughage and concentrate (Generally 60:40 ratio).
- Feed concentrate individually according to production requirements.
- Good quality roughage saves concentrates. Approximately 20 kg of grasses fodder or 6-8 kg legume fodder can replace 1 kg of concentrate mixture in terms of protein content.
- 1kg straw can replace 4-5 kg of grass on dry matter basis. In this case the deficiency of protein and other nutrients should be compensated by a suitable concentrate mixture.
- Feed concentrate mixture at or preferably before milking – half in the morning and the other half in the evening.
- Feed roughage three times a day: morning, afternoon and evening.
- Abrupt change in the feed should be avoided.
- Tender green fodder should be wilted or mixed with straw before feeding. Legume fodders, particularly at young and tender stage must be mixed with straw or other grasses to prevent the occurrence of bloat and indigestion.
- Feed store must be dry and well ventilated to prevent development of moulds and toxins in the feed that may cause poisoning.
5.4. Health Care
Many
animal-health related problems shall be avoided by the same measures that
enhance production. The following norms
shall be practiced to ensure good health of the herd:
Bio-Security
Bio-security measures including
fencing to restrict access by visitors, dogs and other animals will be followed
to prevent incidence of diseases,. The farm will have foot batch/foot dip at
the entry point.
Hygiene
The
shed shall be regularly cleaned and disinfected. Cleaning shall be done before
disinfection. The cows shall be fed
balanced feed and provide clean drinking water.
Quarantine
The
sick animals shall be quarantined. This means sick animals shall be kept away
from the rest during their illness. The
newly purchased cows shall not be allowed to mix with the herd for about six
weeks.
Vaccination
Timely
vaccination against known diseases like foot and mouth shall be done as advised
by the Dzongkhag Livestock Officials.
Timely vaccination, de-worming
and detection of heat, reproduction monitoring such as pregnancy diagnosis,
mastitis prevention and control and care of hoof shall be ensured to enhance
farm productivity.
5.5. Breeding
Artificial Insemination (AI)
services from nearest AI out-reach station will be availed for good quality
progenies.
National Bovine Identification Number (NBIN) with
plastic ear tags will be used for animal identification.
Individual bovine register designed and supplied by
NDDC shall be maintained. Besides the bovine register, following records also
be kept:
·
Daily
milk production and sale records
·
Concentrate
purchase and feeding record
·
Farm
herd book (for all category of animals)
·
Monthly
expenditure and income statements
A complete breeding and herd
health records
shall be maintained through maintenance of herd record books provided by Dzongkhag
Livestock Officials.
5.6. Organic Wastes
The dung pits as indicated in
the structure will be constructed.
The fresh cow dung will be used
for Bio-gas production. The Bio-gas will
add to the income of the farm by saving expenditure in the energy required for
cooking.
The slurry coming out of the
Bio-gas plant and the organic waste shall be used for making Farm Yard Manure
(FYM).
6. Marketing Plan
6.1. Existing Market
A private
micro milk processing plant is located in less than 1 km distance. The processing plant purchase fresh milk at
Nu. 30 per liter, makes butter and cheese and supplies to Thimphu.
At
present a kilo of Butter is sold at Nu: 300 and a ball of cheese at Nu: 30.
6.2. Alternative Strategy
Depending on the profitability and in case the plant
is not operating, it is proposed to make butter and cheese. .
If fresh milk cannot be sold or profitable to sell as fresh, it
will be processed into butter and cheese.
The butter and cheese will be stocked hygienically for
which a deep
freeze shall be purchased and supply butter and cheese in bulk to market at
Samtse Dzongkhag headquarters and/ or Thimphu.
To create volume, milk from neighbors will be
purchased. Efforts shall be made to
create Producers Group.
7. Implementation Schedule
The project will be implemented cautiously in a
planned manner. The implementation will
be staggered.
Activities
|
Yr -1
|
Yr -2
|
Yr -3
|
Yr -4
|
Yr -5
|
|||
Construct sheds & store, fencing, bio-gas,
water tank
|
||||||||
Develop Fodder
|
||||||||
Purchase 2 Cows
|
||||||||
Purchase 3 Cows
|
||||||||
Purchase Deep freeze
|
||||||||
Purchase cream separator cum butter churner
|
||||||||
Sale 2 young heifer/bull every year
|
||||||||
Replace 1 milking cow every year
|
||||||||
Pay BOIC Loan @ Nu. 100,000 per year
|
Fodder development will take time. It needs at least one growing season of 6
months. For this reason the purchase of
cows shall be staggered.
The first 2 cows will be purchased in 2nd
quarter of 1st year after the structures are ready. They will be fed
with crop residues and fodder already available in the farm along with the
purchased feed concentrates.
The last 3 cows will be purchased in the 4th
quarter of 1st year, when enough fodder, hays and silage are
stocked, experience in managing cross bred Jersey cows, particularly in terms
feeding and health, is gained and record keeping is learnt as well as other
associated factors are better understood.
8. Human Resource Plan
The
manager is literate and able to keep farm record and ensure hygiene and
sanitation.
Two family members fully
engaged in farming will be used for operating the enterprise.
No
additional workers are needed or hired.
9. Financial Plan
9.1. Initial Investment Cost
The
initial investment cost of the project is Nu. 750,000.00, which includes:
5
Cows Nu.
175,000.00
Structure: Nu.
435,000.00
Equipment: Nu. 65,000.00
Establishment: Nu.
75,000.00
The
Cost Break-up of Initial Investment Cost is:
Sl.
No.
|
Particulars
|
Quantity
|
Approx.
Nu/Unit
|
Total
Amount (Nu)
|
||||
I. Cows
|
||||||||
1
|
Cost
of Cows
|
5
|
35,000
|
175,000.00
|
||||
II. Structure
|
||||||||
1
|
Cost
of cow shed, calf shed, store and dung pit
|
1
|
375,000
|
375,000.00
|
||||
2
|
Fencing
|
1
|
10,000
|
10,000.00
|
||||
3
|
Syntax
water tank: 1000 L Cap & conc stand
|
1
|
25,000
|
25,000.00
|
||||
4
|
Bio-gas
plant
|
1
|
27,000
|
27,000.00
|
||||
Sub-Total
|
437,000.00
|
|||||||
III. Equipment
|
||||||||
1.
|
Chaff
Cutter
|
1
|
10000
|
10,000.00
|
||||
2.
|
Milk
Cans (5, 10, 20 and 40 lit. cap etc..)
|
1set
|
10000
|
10,000.00
|
||||
3.
|
Cream Separator cum Butter Churner
|
1
|
22000
|
22,000.00
|
||||
4.
|
Deep Freezer/ Refrigerator (250
liter)
|
1
|
30000
|
30,000.00
|
||||
Sub-Total
|
72,000.00
|
|||||||
Total
Capital Cost
|
674,000.00
|
|||||||
IV. Establishment Cost
|
||||||||
1
|
Insurance
(20 % of cost of Cows)
|
5
|
7,000
|
35,000.00
|
||||
2
|
Transport
Cost
|
5
|
3,000
|
15,000.00
|
||||
3
|
Feeding
cost during quarantine period
|
5
|
2,000
|
10,000.00
|
||||
4
|
Labour
cost for fodder development
|
20
|
300
|
6,000.00
|
||||
Sub-Total
|
66,000.00
|
|||||||
Total
Project Cost
|
750,000.00
|
|||||||
Assumption: The seeds/
plants and fertilizers for establishing fodder bank shall be provided by the
Department of Livestock free of cost
|
||||||||
9.2. Profit and Loss Account
The profit and loss account/
annual income statement is worked out for 8 years till the loan amount is fully
liquidated.
The assumptions considered in
determining the profit and loss account includes:
1. 4 Cows out of five will
be in milking stage at all times.
2. Average milk
production per cow is 8L/day
3. 4 Cows shall give milk for 300 days a year @ of 8L milk/day.
4. The milk price is
Nu. 30.00 per liter.
5. On average 3 kg concentrate/AU/day shall be fed.
6. The
feed is priced at Nu 18/kg.
7. Labour cost is accounted at Nu 3,000/
month/person x 2.
8. 2 young animals are sold annually from
Year 3 @ of Nu. 10,000/ animal.
9. 1 Cow will be sold annually @ 20,000 from
Year 4
10. Saving from Bio-gas: Nu. 10,000/ year from
Year-2
10. Sale of Manure Nu. 5,000/ year in Yr -1 &
Nu. 10,000/ year from Yr -2.
11. Depreciation of Structures @ 10 % spread
over a period of 20 years.
12. Depreciation of equipment @ 10 % spread
over a period of 10 years.
13 Inflation -not accounted.
14. Salary of Manager -not accounted.
15. Mortality: not accounted
Cost Benefit Analysis
I
|
Cost
|
||||||||
Sl No
|
Particulars
|
Year 1
|
Year 2
|
Year 3
|
Year 4
|
Year 5
|
Year 6
|
Year 7
|
Year 8
|
1
|
Repayment of Loan
|
100000.00
|
100000.00
|
100000.00
|
100000.00
|
100000.00
|
100000.00
|
100000.00
|
100000.00
|
2
|
Depreciation of Structure
|
43700.00
|
39330.00
|
35397.00
|
31857.00
|
28672.00
|
25804.00
|
23224.00
|
20902.00
|
3
|
Depreciation of Equipment
|
14400.00
|
11520.00
|
9216.00
|
7373.00
|
5898.00
|
4719.00
|
3775.00
|
3020.00
|
4
|
Interest on Loan
|
30000.00
|
28800.00
|
27648.00
|
26542.08
|
25480.40
|
24461.18
|
23482.73
|
22543.42
|
5
|
Concentrate Feed
|
49350.00
|
98550.00
|
98550.00
|
98550.00
|
98550.00
|
98550.00
|
98550.00
|
98550.00
|
6
|
Animal attendant
|
72000.00
|
72000.00
|
72000.00
|
72000.00
|
72000.00
|
72000.00
|
72000.00
|
72000.00
|
7
|
Fodder Development
|
20000.00
|
|||||||
4
|
Miscellinoeous
|
5000.00
|
5100.00
|
5202.00
|
5306.04
|
5412.16
|
5520.40
|
5630.81
|
5743.43
|
A
|
Total Cost
|
334450.00
|
355300.00
|
348013.00
|
341628.12
|
336012.56
|
331054.58
|
326662.54
|
322758.85
|
II
|
Income
|
||||||||
1
|
Sale of fresh milk
|
144000.00
|
288000.00
|
288000.00
|
288000.00
|
288000.00
|
288000.00
|
288000.00
|
288000.00
|
2
|
Sale of old cows
|
0.00
|
0.00
|
20000.00
|
20000.00
|
20000.00
|
20000.00
|
20000.00
|
|
3
|
Sale of young stock
|
0.00
|
0.00
|
20000.00
|
20000.00
|
20000.00
|
20000.00
|
20000.00
|
20000.00
|
4
|
Sale of manure
|
5000.00
|
10000.00
|
10000.00
|
10000.00
|
10000.00
|
10000.00
|
10000.00
|
10000.00
|
5
|
Bio-Gas
|
2500.00
|
8000.00
|
8000.00
|
8000.00
|
8000.00
|
8000.00
|
8000.00
|
8000.00
|
B
|
Total Income
|
151500.00
|
306000.00
|
326000.00
|
346000.00
|
346000.00
|
346000.00
|
346000.00
|
346000.00
|
3
|
Profit/Loss (B-A)
|
-182950.00
|
-49300.00
|
-22013.00
|
4371.88
|
9987.44
|
14945.42
|
19337.46
|
23241.15
|
10. Loan Payment Schedule
It
is proposed to pay Nu 100,000.00, (One hundred thousands) only, per year.
Paying
the loan at the rate of Nu 100,000.00 per year the loan amount including
interest shall be liquidated in 8 years.
During
the 8 years loan liquidation period Nu 2,08,957.81 will be paid as interest
charged at 4% per annum.
11. Government Clearance
i.
National
Environment Commission (NEC)
The
cow dung is a major source of the Methane (CH4), which is a potent
Green House Gas (GHG).
To
mitigate the emission of the Methane (CH4) gas into the atmosphere,
the Bio-gas plant is integrated to this enterprise.
The
Bio-gas plant will enable to make use of Methane Gas for cooking purpose
instead of letting it to the atmosphere for damaging the Ozone Layer causing
global Warming and climate change.
ii.
National
Land Commission (NLC)
The
enterprise will be executed entirely on registered private land.
iii.
Forest
Clearance
The
nearest forest boundary is more than a kilometer away.
No
debris shall be burnt. All debris will
be converted into compost.
There
will no felling of bushes or trees.
iv.
BAFRA
The
enterprise will comply with Livestock Rules and Regulation, 2008 and every
activity will executed as per the advice of the Department of Livestock.
12. Monitoring and Evaluation
Geog and Dzongkhag Livestock officials will be the
advisor as well as oversight agency to monitor the operation and management of
the enterprise.
BOiC officials will be welcomed to monitor the
enterprise as the sole financer of the enterprise.
To the monitoring team all the records shall be made
available and feedback will be sought and comply with all necessary
recommendations.
13. Conclusion
High initial capital investment, long turnover
period and risk of outbreak of diseases make dairy a daunting enterprise for poor
farmers. Unlike other enterprises, like
poultry, it requires land for fodder production which makes unfeasible for
farmers with small land holding.
Nonetheless, with strong government support,
entrepreneurial skill and increasing demand and price of milk and milk product
the project is expected to succeed. The
benefits of dairy farming are multiple.
The difficulties faced in the short run yields sustained income for the
family in the long run providing opportunity for young children getting
employed at home itself.
The dairy farming will enable to have Bio-gas for
cooking which will alleviate the drudgery of collecting firewood and cooking
food in firewood. Besides it will enable
to practice organic farming.
The total loan amount of Nu 750,000.00 is expected
to be paid back by 8th year of the project.
In fourth year the enterprise will achieve the breakeven point when the
capital investment cost along with interest will be paid back.
Dairy is a socially appropriate enterprise and with
the strong government policy support as it is now, it has good scope for more
farmers of Ugentse Geog to take similar enterprise which would alleviate rural
poverty, create job, reduce dependence on forest for firewood and enable
practicing organic farming.
The entrepreneur shall put utmost effort to promote
Micro Dairy Farm, organic farming and adoption of Bio-gas in the Geog. Initiatives will be taken to promote
Producers Group in the Geog which will encompass organic vegetables production
and poultry production besides milk and milk products.
Thank You for your Formate.....
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DeleteThanks for guide, Pls let me know the project for 50 HF Cows.
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DeleteI am interested in your Large Cardamom and cow project .Can you plz give us mobile no. or email so I can contact u.Specially I am looking for some business like cow and large cardamom in Bhutan.I went two time Bhutan and it has awesome natural beauty.I also very impress with your Hindu thoughts.
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base1@rediffmail.com
second thing why you do not prefer local i mean indigenous cow for dairy.You can get it in Lower price and milk also very good instead of Jerrsy milk which cause cancer,blood pressure and colostrol etc.
ReplyDeleteThanks for your detailed project which I learned.
ReplyDeleteA wonderful proposal. Could I borrow ideas?
ReplyDeleteHi Everyone, I would like to talk about something that I am just very excited about; I had a small restaurant and in my apartment I had a bad credit. It became very though for my family, because people do not want to loan; banks and other financial institution do not want to loan money to us due to bad credit. So I needed to find someone that was very lenient and also could pay really quick to us. We wanted to add on to our restaurant in other words we needed an $80,000 loan which was really difficult at that time. So a friend of mine 'Sarah William' said checkout: tenterdenfundsplc@yahoo.com or tenterdenfundsplc@outlook.com. I was like okay.. because I already lost $4,300 to scams, I didn't want to get scammed again. and she said' just email or call/ text: +18027369174, On a second thought i took the risk and applied for the loan. That day I got a response, luckily for me I got funded, I was overwhelmed and I couldn't believe how quick it was. I now own a home, my business has expanded and I have a decent credit. Anyways thank you guys at Tenterden Funding Plc. I couldn't have done it without you, thank you for saving us the hassle.
ReplyDeletethanks sir, It has helped me to write dairy proposal la
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ReplyDeletethank you for sharing helpfull information about dairy farming pradhan sir desigircowmilk
ReplyDeleteGood morning Sir ,
ReplyDeleteVery creative project proposal. please can i have your e. mail id or your contract number.Thanks.
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ReplyDeletethank you very much for your work!!! you publish this proposal on 2015 so can I ask you that - how much percent of your plant was succeed?
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