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    bull mating photo by agritech.tnau.in.jpg

    Bull serves cow. Using artificial insemination is cheaper than rearing a bull to serve cows. Photo by Agritech.tnau.in

    Farmers rearing bulls to serve cows make loses of more than Sh30,000 per year in maintenance expenses, as oppose to those using artificial insemination.

    Whilst the maintenance cost for the bull can surpass Sh30,000 per year, AI requires between Sh700 and Sh1,500 to serve a cow over the same period.

    Nyamira County farmer Patrick Chuma says the space for the bull can be made productive by adding an extra cow that yields milk for about seven months before drying.

    The farmer, who rears local breeds crossed with jersey, said rearing a bull for a single service per cow annually was a costly affair that he abandoned two years ago.

    “The bull requires feeding for the rest of the year; it only serves the cow and takes a recess to feeding and fattening. I found this uneconomical as an upcoming dairy farmer,” the Nyankongo village farmers said.

     The cost of AI service is about Sh1,500. With the subsidy from most county governments like Nyandarua, the cost has been reduced to between Sh700 and Sh1,000.

    A bull requires feeds of about 10 kilos per day. It also requires vaccination, treatment, pest control sprays like ticks, mineral supplements like salt licks, among others.

    Because of the excess energy after feeding well, the bull also causes damages to fences, and other structures if not well controlled.

    READ ALSO:How bulls cause cow infertility

    READ ALSO: Smart tool tells farmers cows are ripe for artificial insemination

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    It can also cause injuries to the farmer’s family and other cows.

    “An account of the accruing costs of a bull for the entire year ranged from Sh30,000 to Sh40,000. That was way high given that AI for the three cows could have cost me a maximum of Sh4,500 per year, that if they were all on heat,” the farmer said.

    Beside the treatment cost of bulls, they can also transmit diseases such as trichomoniasis, camphylobacteria, bovine herpes virus, ureaplasma, fibroids, among others.

    Diseases like fibroids can cause infertility in cows.

    “Since I started using AI, I am not worried of sexually transmitted diseases. Safety is also guaranteed with these rather docile cows, unlike the unruly bulls. The semen used in the AI is sourced from carefully selected bulls, screened before storage. There is no screening of the bull before serving a cow on heat. Sometimes the bull serves the cow before the farmer even realises,” Chuma said.

    If the bull serves a cow in absence of the farmer, it may be tricky to keep accurate reproductive records, the farmer said.

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    Mobile phone farmer photo by TechnoServe.jpg

    A farmer displays a delivery confirmation message. One Acre Fund has improved loan repayment process with MPesa payments. Photo by TechnoServe.

    The integration of the mobile phone money transfer in loan repayment plans has increased the access to farm input credit facilities, a step that is reducing poverty among small-holders.

    The study dubbed ‘How digitizing agriculture input payment in rural Kenya is tackling poverty’ established that farmers accessing input loans from One Acre Fund (OAF) prefer repayment via mobile money service commonly called MPesa.

    One of the reasons is that the farmers can pay the weekly remittances in segments.

    If one is required to pay Sh500 per week, they can send in the money in bits of Sh100, Sh200, or even Sh50 according to their ability; they do not incur extra transaction costs.

    In March 2016, OAF’s 208,000 farmer clients in Kenya received input loans of maize seed, fertiliser, and tree seeds. They also received other products such as solar lights or cookstoves, depending on their preference.

    Each farmer had earlier made a Sh500 (US$5) deposit by the end of 2015, then began making payments on their nine-month loan.

    “In 2015, farmers in Kenya with the OAF inputs and package of services earned on average Sh21,800 ($211) more annually from agricultural activities than similar farmers in similar areas,” the report says.

    OAF is working with Citi Inclusive Finance in impelementin the digitisation.

    Before digitisation of loan repayment, money was collected from the farmers by the field officers. Yet the offers are supped to train farmer on the best practices of boosting production.

    The number of people employed in repayment processing fell to four, from 56 prior to digitization, with four out of five of these people being reemployed in more productive parts of the organization, the 2017 report reads in part.

    The farmers are having more time with the officers, who are teaching them on best production practices of increasing yields.

    The farmers also preferred the MPesa repayment method because of reliability. They get an instant confirmation message of their payment as well as the balance. Fraud resulting from officers who never delivered cash to the OAF account after collection decreased by 85 per cent, the report says.

    The OFA case study was carried out by the United Nations’ based Better Than Cash Alliance.

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