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JYAMBERE SACCOKamonyi
Planning the harvest · Illustration

JYAMBERE · KAMONYI

Plan your farming season

Connect your farming costs with the timing of crop sales. Harvest time is not always the date you receive payment.

Planning the harvest · Illustration
  1. 01

    List the season’s needs

    Plan seeds, fertiliser, labour, water, equipment and transport. Separate payments needed before harvest from those due afterwards.

  2. 02

    Map when money arrives

    Record expected harvest, sale and payment dates. Ask the buyer how and when payment will be made, and keep a record of the agreement.

  3. 03

    Consider a difficult season

    Consider a lower harvest, a lower selling price or a late-paying buyer. Use the cash planner to explore lower receipts before choosing a repayment commitment.

  4. 04

    Match the plan to your obligations

    Allow for household needs and the next season. If you are considering credit, ask how the available repayment schedule relates to when you receive income.

YOUR NEXT STEP

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