KUNGAHARA SACCO RUHANGO
PROJECT PREPARATION WORKSHEET

Use this worksheet to prepare a conversation with the SACCO. It is not a loan application and the website does not send it. Do not include PINs, one-time codes, account numbers or ID details.

1. MY GOAL
Sector: ____________________
Activity (farming, livestock, trade, crafts or group): ____________________
What I want to achieve: ____________________
When I need it: ____________________

2. EXPECTED COSTS (RWF)
Equipment / seed / livestock / stock: ____________________
Labour / rent / animal feed: ____________________
Transport / processing / packaging: ____________________
Other charges: ____________________
Allowance for changes: ____________________
Total cost: ____________________
My own available funds: ____________________
Additional funds needed: ____________________

3. WHEN MONEY ARRIVES AND HOW IT WILL BE USED
Expected selling period: ____________________
Expected payment date: ____________________
Expected sales income (not all of it is profit): ____________________
Payments due before that income arrives: ____________________
Essential household costs: ____________________
Existing debt repayments and dates: ____________________
Funds for the next cycle: ____________________

4. IF CIRCUMSTANCES CHANGE
What could I do if prices fall, production is lower or a customer pays late?
________________________________________________________________

5. QUESTIONS FOR THE SACCO
[ ] Requirements and documents for my project.
[ ] All fees, interest, calculation method and security, if required.
[ ] The repayment schedule and whether it suits my income timing.
[ ] What to do if I cannot repay on time.
[ ] The service-point address, hours and any assistance I need.

For a group: agree on contributions, representatives, authorised signatories and how records will be checked.

Keep your worksheet. Request the SACCO's confirmed requirements and terms in writing.