Behind these statistics lies a history of instability. Decades of conflict, political uncertainty, and limited agricultural investment have weakened the sector. According to the World Bank, one of the main barriers to agricultural development is access to capital, a critical factor in helping farmers move beyond subsistence farming.
For vulnerable households, the challenge extends beyond food production. Limited access to finance often prevents farmers from investing in seeds, tools, livestock, or expanding their activities through access to markets Savings groups have emerged as an important mechanism to address this gap, enabling communities to pool resources, access loans, manage risks, and invest in their livelihoods.
For Luc, 67, and Albertine, 62, farmers in Dekoa, access to financial support has long felt out of reach.
- Luc Sanze
The couple works a one-hectare plot by themselves, growing cassava, sweet potatoes, and vegetables. When ForAfrika visited the community to onboard the beneficiaries to the Seeds of Sustainability project, they found Luc and Albertine activities stalled. Poor quality seeds from previous harvests had left them uncertain about the coming planting season.
- Albertine Sanze
“My husband and I worked every day to get everything ready for planting. We are old, and farming has taken a toll on our health. Many people overlook older farmers, but we still need support and we are proud to provide for ourselves.”
Manual farming methods remain a major obstacle to increasing production. Preparing land requires significant labour, while limited infrastructure restricts access to markets. Although farmers can produce enough to feed their households and generate a surplus, selling that surplus remains a significant challenge. Working collectively through the Village Savings and Loan Associations (VSLAs) has strengthened their ability to organise production and opens opportunities to aggregate harvests, negotiate with buyers and improve access to markets. The president of the Union of Village Savings and Loans Association of Dekoa, Rene Sanze Gomba, points to stacks of produce stored inside his home.
“We produced enough last year, but look at my house,” he says, gesturing towards bags of maize and cassava. “We have no means of transporting our crops to commercial centres. The lack of market access is extremely frustrating.”
Through the Seeds for Sustainability project, ForAfrika addresses these interconnected challenges through an integrated approach. Alongside agricultural inputs and livestock support, the project strengthens VSLAs, providing technical training and helping communities build financial resilience.
Innovation is emerging as one of the most valuable outcomes of the Village Savings and Loan Associations (VSLAs). By bringing people together to solve shared challenges, the groups are developing practical, locally driven solutions that strengthen livelihoods well beyond savings and credit.
In Sibut, members of a savings group have developed an innovative way to address one of agriculture's biggest constraints: transport. Using the cattle provided through the project, they built a cart to move crops from their fields to the main road, making it easier to reach buyers. The cart is also used to transport construction materials and other heavy loads for the community.
Rather than relying on the oxen only during the three-month ploughing season, the group plans to hire out the cart and cattle for transport services during the remaining nine months of the year. The income generated will be reinvested in the association, allowing members to purchase additional pairs of oxen. Their goal is for each of the 40 savings groups to own at least one pair of oxen by 2028, creating a sustainable model that improves both agricultural productivity and market access.
- Etienne Sanwelle, member of Sibut VSLA group and beneficiary of the Seeds for Sustainability project.
“The cart is working well. If it proves sustainable, we will share the idea with other groups so we can reduce transport costs, improve productivity, strengthen post-harvest management, support value-added processing and expand access to markets.”
Agricultural development in the Central African Republic depends on more than inputs and infrastructure. Progress is strongest when communities are actively involved in identifying challenges, testing solutions, and building the systems that support their own economic growth.
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