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Give your work a plan.
See the next step.

Questions and tools to prepare a conversation about your livelihood.

When will income arrive?

Write down when your harvest or business brings in money. Separate received cash from expected income.

List materials, labour, transport and ongoing operating expenses. Note when payments are due.

Consider a lower harvest or delayed payment. Prepare questions about a repayment schedule that fits your activity.

Match weights, price and deductions.

Review seedlings and maintenance.

Review costs when work pauses.

These are preparation tools. Ask the SACCO for confirmed requirements, costs and repayment conditions before deciding.

KEEP PREPARING

PRACTICAL NEXT STEPS

A delivery record, an unpaid balance and an expense list.