Wednesday, January 7, 2015

Project Proposal on Micro Dairy Farm with 5 cows - A templat for Samtse Dzongkhag



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)
7.   Fencing (30 ft x 30 ft wire mesh fencing).
The sketch map of the structure is provided in Figure -1. 
Figure. 1. Sketch map of cow shed for 5 Cows

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: 
  1. Maintain optimum ratio of roughage and concentrate (Generally 60:40 ratio).
  2. Feed concentrate individually according to production requirements.
  3. 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.
  4. 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.
  5. Feed concentrate mixture at or preferably before milking – half in the morning and the other half in the evening.  
  6. Feed roughage three times a day: morning, afternoon and evening. 
  7. Abrupt change in the feed should be avoided.
  8. 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.
  9. 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. 

34 comments:

  1. Replies
    1. Hi 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.

      Delete
    2. Hi 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

      Delete
  2. Thanks for guide, Pls let me know the project for 50 HF Cows.

    ReplyDelete
    Replies
    1. Hi 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.

      Delete
  3. I 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.
    Thanks
    Sanjay
    Lucknow 9839123716
    base1@rediffmail.com

    ReplyDelete
  4. 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.

    ReplyDelete
  5. Thanks for your detailed project which I learned.

    ReplyDelete
  6. A wonderful proposal. Could I borrow ideas?

    ReplyDelete
  7. Hi 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.

    ReplyDelete
  8. thanks sir, It has helped me to write dairy proposal la

    ReplyDelete
  9. Crystal Group services provided by the firm includes transportation, warehousing, portable cold storage, third-party logistics, and express transportation. crystalgroup.in & info@crystalgroup.in

    ReplyDelete
  10. thank you for sharing helpfull information about dairy farming pradhan sir desigircowmilk

    ReplyDelete
  11. Good morning Sir ,
    Very creative project proposal. please can i have your e. mail id or your contract number.Thanks.

    ReplyDelete
  12. ALGECO GLOBAL FINANCE PLC is a genuine lender from London, U.K who offer financial instrument lease and sale at a reasonable price with affordable procedure and condition. Our bank instrument lender offer Fresh Cut and Seasoned bank instrument such BG, SBLC, MTN and Confirmable Bank Draft (CBD), which can be engage into PPP Trading, Outright Discounting, signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects.


    With our bank instrument you can establish line of credit with your bank or secure loan for your projects in which our bank instrument will serve a collateral in your bank to fund your project.


    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable. Below procedure its for BG/SBLC and MTN lease, other bank instrument procedure will be provided on request.


    DESCRIPTION OF INSTRUMENT:
    1. Instrument: Bank Guarantee {BG/SBLC}
    2. Total Face Value: Eur 10M{Minimum} to Eur 10B{Maximum}
    3. Issuing Bank: HSBC Bank Plc and Barclays Bank Plc {London, U.K}
    4. Age: One Year and One Month
    5. Leasing Price: 6%+2% =8%
    6. Delivery: MT-760 {Bank-To-Bank Swift}
    7. Payment: MT103/23
    8. Hard Copy: Bonded Courier Service {within three banking days}

    Contact us for more financial services inquiry from our details.

    Name :Cummins Diarmuid

    Email: info.algecogfplc@gmail.com

    Skype ID:info.algecogfplc@gmail.com

    ReplyDelete
  13. I really liked your article on Micro Dairy Farm, its very useful information to all us and we as a family enjoyed it. Thank you for sharing this article with us. I recommend it for everyone to try once its a very amazing.

    dairy milk

    ReplyDelete
  14. We are able to finance your signatory
    projects and help you enhance your
    business plan. Furthermore, our
    financial instrument can be used for
    the purchase of goods from any
    manufacturer irrespective of their
    location. It can also serve as
    collateral with any bank in the world
    to secure loans for your project or to
    activate credit line to finance your
    business plan. We have {BG}, Standby
    Letter of Credit {SBLC}, Medium Term
    Notes {MTN}, Confirmable Bank Draft
    {CBD},Monetize as well as other financial
    instruments issued from AAA Rated bank
    such as HSBC Bank Hong Kong, HSBC Bank
    London, Deutsche Bank AG Frankfurt,
    Barclays Bank , Standard Chartered Bank
    and others on lease at the lowest
    available rates depending on the face
    value of the instrument needed.


    Email : nat.mandate18@gmail.com
    Skype : nat.mandate18@gmail.com


    Regards
    Nat

    ReplyDelete
  15. I need editable format of the project.. Please help me. Regards, bhuwnewhwar

    ReplyDelete
  16. If you are seeking a Bank Guarantee (BG), SBLC for Lease or Purchase, we are the best financial institution to help you to secure

    verifiable and easily monetized BG, SBLC and other financial instruments. we are a group of experienced bankers, seasoned brokers

    with years of experience in the financial instrument industry. We deal directly with reliable Providers of BG, SBLC, MT109,

    MT799, MT760, Sale and Lease of Financial Instruments issued by Top rated global banks.

    Our procedure is TIME SAVING and transparent. With us, you can secure any denomination of BG / SBLC from 10M to 10B (EURO / USD)

    in time for use in Heavy / Light project financing anywhere in the world.

    Basically, we are here to help you move your business to the next level.

    Anticipating your interests,
    Email:aafinancialconsultantltd.uk@gmail.com

    ReplyDelete
  17. Very helpful. Thank you so much

    ReplyDelete
  18. thank 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?

    ReplyDelete
  19. Hello la sir, I would like to start dairy farm but I don't know how and where to begin so may I get some help from sir.?

    ReplyDelete
  20. Dasho,
    It was indeed a comprehensive Dairy Farm establishment proposal with all technical specifications and cost benefit analysis. Hope to see some more such proposals in future.
    With respect

    ReplyDelete
  21. My name is.Mrs.Cynthia Corvin, i want to use this medium to alert all loan seekers to be very careful

    because there are scam everywhere, Few months ago I was financially strained, and due to my desperation

    I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a

    very reliable lender called Mr. Ferguson Williams ( A God fearing man) who lend me a loan of $237,000

    under 72 working hours without any stress. I explain to the company by mail and all they told me was to

    cry no more because i will get my loan from this company and also i have made the right choice of

    contacting them i filled the loan application form and proceeded with all that was requested of me and

    to my shock I was given the loan, If you are in need of any kind of loan just contact him now via:

    email:{My name is.Mrs.Cynthia Corvin, i want to use this medium to alert all loan seekers to be very careful

    because there are scam everywhere, Few months ago I was financially strained, and due to my desperation

    I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a

    very reliable lender called Mr,Hussain Mohammed ( A God fearing man) who lend me a loan of $237,000

    under 72 working hours without any stress. I explain to the company by mail and all they told me was to

    cry no more because i will get my loan from this company and also i have made the right choice of

    contacting them i filled the loan application form and proceeded with all that was requested of me and

    to my shock I was given the loan, If you are in need of any kind of loan just contact him now via:

    email:{ availfinance8890@hotmail.com

    ReplyDelete
  22. Do you need an urgent loan of any kind? Loans to liquidate debts or need to loan to improve your business have you been rejected by any other banks and financial institutions? Do you need a loan or a mortgage? This is the place to look, we are here to solve all your financial problems. We borrow money for the public. Need financial help with a bad credit in need of money. To pay for a commercial investment at a reasonable rate of 3%, let me use this method to inform you that we are providing reliable and helpful assistance and we will be ready to lend you. Contact us today by email: daveloganloanfirm@gmail.com Call/Text: +1(501)800-0690 And whatsapp: +1 (501) 214‑1395

    NEED A LOAN?
    Ask Me.

    ReplyDelete
  23. Do you need Finance? Are you looking for Finance? Are you looking for finance to enlarge your business? We help individuals and companies to obtain finance for business expanding and to setup a new business ranging any amount. Get finance at affordable interest rate of 3%, Do you need this finance for business and to clear your bills? Then send us an email now for more information contact us now via (financialserviceoffer876@gmail.com) whats-App +918929509036 Dr James Eric Finance Pvt Ltd Thanks

    ReplyDelete
  24. My name is Mohammed Ahsan I'm a financial Consultant of a reputable firm Operating out of the United Kingdom
    we provide Discrete Financial, Services for High Net Worth CEO's/Executives of Corporation & Senior Government Officials globally.
    What we do is Legal & within the ambit of the law but following the Leakage of the Infamous United Kingdom
    Papers & subsequent threat by the International Consortium of Investigative Journalists (ICIJ)
    International Criminal Court (ICC)
    Below is what my Sender can offer.
    1, MT103 gpi automatic
    2, MT103 wire transfer
    3, MT103 TT
    4, MT103/202 manual download
    5, SBLC lease and Purchase

    All bank instrument will be done via bank officer to bank officer, Receiver has to provide bank officer details
    on DOA all brokers are welcome and guarantee of there payment after successful deal
    kindly send me a message via email and WhatsApp.


    Email: mohammedahsan877@gmail.com

    WhatsApp- +19893413179

    ReplyDelete
  25. Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

    Contact : Mr. Richard Chadwich
    Contact Email: ribellodasilver01.finance@gmail.com


    With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.

    We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    All relevant business information will be provided upon request.

    BROKERS ARE WELCOME & 100% PROTECTED!!!

    If Interested kindly contact me via

    Email:~ ribellodasilver01.finance@gmail.com

    serious enquiry only.

    ReplyDelete
  26. Find the best Fixed mortgage rate in  Kenora that work perfectly for you. We make it easy to compare rates in Kenora big banks and top brokers for free. Best mortgage rate in Kenora

    ReplyDelete
  27. Thanks for sharing this tips. Thankyou and good luck for the upcoming Blogs. 
    Organic Bakery Products Chandigarh

    ReplyDelete
  28. QUICK EASY EMERGENCY URGENT LOANS LOAN OFFER EVERYONE APPLY NOW +918929509036 financialserviceoffer876@gmail.com Dr. James Eric

    ReplyDelete