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Rabobank Foundation & cocoa Norandino
The saving and credit cooperative (Coopac) Norandino was established in 2005 by three producer organisations; Cepicafe, Cenfrocafe and Oro Verde. A cooperative financial institution such as Norandino was needed to further develop rural financial service
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provision in the north of Peru. Thanks to Norandino, over the years thousands of small farmers have obtained access to funding. Norandino currently has 8.250 members and 9 offices spread across different provinces in the north of Peru. Since 2009 Rabobank Foundation has sponsored this growth. This saving and credit organisation is a key intermediary for the many small coffee and cocoa corporations in the region. These organisations are often too small and not sufficiently professionalised to be eligible for working capital or trade finance. Working capital and training How do we work with Coopac Norandino? Rabobank Foundation grants a loan to Coopac Norandino, which in turn lends to a smaller coffee or cocoa operation. This working capital means that the farmers’ harvests can be bought at a fair price. That’s good for the cooperative as well as for the farmers because they get a better price for their harvest than they would on the local market. Norandino also provides training and advice to
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smaller cooperatives and helps with capacity building. This means that these organisations can grow sustainably until they are able to operate independently. Organisations which reach that stage can then be directly financed by Rabobank Foundation. Rabobank Foundation also joined hands with Chocolatemakers and made a special Rabobank chocolate bar. The cocoa beans that they use to make the chocolate are from Peru. Rabobank Zaanstreek has adopted this project and donates its annual contribution through Foundation to Norandino.
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