Skip to content Skip to cookie consent
Skip to content


Animal loan schemes advice from around the world

Running an animal loan scheme can be a rewarding but challenging experience. Footsteps asked five organisations across the world to share their experiences 

Available in French, English, Spanish and Portuguese

Rural smallholder farmers, like Lorenzo Rodas Ischalon from Peru, rely on livestock for their livelihoods. Photo: Paul Brigham/Tearfund

From: Livestock – Footsteps 89

The importance of livestock and how to treat and manage animals well

Ather Mudenda received an ox from BICC and was able to buy the second after two years of farming and saving. Photo: BICC

Ather Mudenda received an ox from BICC and was able to buy the second after two years of farming and saving. Photo: BICC

As you can see by our feature on animal loan schemes, running an animal loan scheme can be a rewarding but challenging experience. So to help you, Footsteps asked five organisations across the world to share their experiences with our readers. Many thanks to the following Tearfund partners:

  • Brethren in Christ Church (Zambia)
  • Myanmar Baptist Convention
  • EAGLES (Malawi)
  • Livingstonia Development Department (Malawi)

Why did you start an animal loan scheme?

‘Many farmers in the Southern Province of Zambia (where the Brethren in Christ Church works) rely on cattle as a source of traction, as well as for meat and dairy products. Unfortunately herds were severely depleted by corridor disease (a form of East Coast fever transmitted by ticks) during the 1990s. The great loss of cattle meant they were in high demand, which in turn led to unusually high cattle prices. This made it very difficult or impossible for the rural poor to have cattle, prompting us to help people in this area of great need.’

Brethren in Christ Church, Zambia

Whom did you select to receive animals and why?

‘Normally beneficiaries are poor families with school-aged children, widows and female-headed households. We also look for those who have experience and resources available for raising livestock (time, space, etc). A Village Livestock Committee, formed at the start of the programme, chooses the beneficiaries.’
Myanmar Baptist Convention

‘The community selected the poor who are infected with or directly affected by HIV and AIDS to receive two cows on loan.’
 Brethren in Christ Church, Zambia

‘The beneficiaries are identified at a community meeting where everyone is welcome. They are selected according to criteria which identify vulnerable households (eg people living with HIV/AIDS, the elderly, child-headed households etc).
EAGLES, Malawi

What kind of training did people receive?

Beneficiaries are trained in cattle management before they receive animals. Special training on basic business management is run to help beneficiaries to conduct their farming business profitably.’ Brethren in Christ Church, Zambia

‘After beneficiaries are selected, experienced people provide training on housing, how to choose an appropriate animal, prevention and treatment of diseases, feed, documentation and marketing.’ Myanmar Baptist Convention

How is the scheme administered? What advice can you give to readers?

‘Repayments can be done in cash or any other form of payment which is easy to change into cash and which is accepted by the community. This money is used to buy more oxen which are given to a new group of beneficiaries. The repayment is done with a low interest rate fixed by the community management committee in consultation with the community. With dairy cows, repayment is done by passing on one offspring per animal received.’ Brethren in Christ Church, Zambia

‘The Village Livestock Committee is key to the success of the project because it supervises and monitors the scheme to avoid poor management and the outbreak of diseases.’ Myanmar Baptist Convention

‘In order to make the process transparent, it is spearheaded by a special committee and by traditional leaders. All the animals are given out in an open place where everybody is invited to witness who gets which animal. All the farmers sign an agreement in the presence of traditional leaders and the livestock committee. Agreeing on a constitution that safeguards the scheme has been vital.’  Livingstonia Development Department, Malawi

Similarly Tagged Content

Share this resource

If you found this resource useful, please share it with others so they can benefit too.

Subscribe to Footsteps magazine

A free digital and print magazine for community development workers. Covering a diverse range of topics, it is published three times a year.

Sign up now - Subscribe to Footsteps magazine

Cookie preferences

Your privacy and peace of mind are important to us. We are committed to keeping your data safe. We only collect data from people for specific purposes and once that purpose has finished, we won’t hold on to the data.

For further information, including a full list of individual cookies, please see our privacy policy.

  • These cookies are necessary for the website to function and cannot be switched off in our systems.

  • These cookies allow us to measure and improve the performance of our site. All information these cookies collect is anonymous.

  • These allow for a more personalised experience. For example, they can remember the region you are in, as well as your accessibility settings.

  • These cookies help us to make our adverts personalised to you and allow us to measure the effectiveness of our campaigns.