Farmer-members of the Malinao Dam Federation of Irrigators’ Association (MADFIA), Inc. in Bohol now enjoy improved productivity and income with the help of a four-wheeled tractor and two rice combine harvesters which the federation acquired through the Agricultural Competitive Enhancement Fund (ACEF) Lending Program of the Department of Agriculture (DA) and Land Bank of the Philippines (LANDBANK).

PILAR, Bohol – Two years ago, farmer-members of the Malinao Dam Federation of Irrigators’ Association (MADFIA), Inc. in the towns of Pilar and Dagohoy in the province of Bohol shared the hardships brought about by traditional palay production. From tilling the soil to harvesting the rice crops from the fields, they only depend on their trusted carabaos and obsolete farming methods as they worked under the sun for more than eight hours a day.

Despite all their labor and hard work, MADFIA President Kim L. Doroy said that it was extremely challenging to earn a living from growing palay in a traditional way, especially during bad weather.

“Sobrang hirap. Nakikita ko na bawat isa sa miyembro namin ay talagang ibinubuhos ang lahat ng kakayahan sa sakahan para mabuhay. Tapos minsan naaabutan ng ulan, naaabutan ng bagyo, kaya yung kita namin ay talagang bumabagsak,” he said, noting that this vicious cycle also triggered food shortage in the province. 

The difficulties and uncertainties facing their members prompted MADFIA to avail of a P4.9-million term loan from the Land Bank of the Philippines (LANDBANK) in 2018, under the Agricultural Competitive Enhancement Fund (ACEF) Lending Program, for the acquisition of farm machineries and post-harvest facilities.

Through LANDBANK, MADFIA was able to acquire two brand-new units of rice combine harvesters that same year, and in 2019, they were able to purchase a brand-new four-wheeled tractor unit to help them quickly prepare rice paddies for the planting season.

With the mechanization of rice farming methods, the productivity and income of the 4,963 rice farmers from 17 irrigators’ associations under MADFIA significantly increased.

From spending three to four days and employing three farm workers to prepare one hectare of farmland, they can now complete the job for only two hours with the use of a tractor and just one operator. Harvesting a hectare of rice field was also reduced to two hours and one farm worker with the help of the harvester, instead of the conventional two to three days that requires 16 farm workers.

In terms of profit, the farmers were able to earn 40% more every cropping season. And since the time they spend in their rice fields was shortened, some of them were able to get additional income from growing other food crops such as vegetables and corn.

“Napagaan ‘yung buhay namin, medyo guminhawa. Nakapag-ipon kami ng panustos sa pag-aaral ng aming mga anak at puhunan sa paghahanda sa susunod na season ng pagtatanim. Ngayong may pandemic, may quarantine, ang laking naitulong dahil iilan lang ‘yung pwedeng makalabas. Kasi sa harvester at tractor kaunti lang ang tao na kinakailangan. Kapag wala kaming ganong equipment, siguradong taghirap na ‘yung mga farmers ngayon,” Doroy said.

Aside from MADFIA, LANDBANK through the ACEF Lending Program, has also helped other federations of irrigators’ associations in Bohol to acquire farm machineries and post-harvest facilities. In total, the Bank was able to finance 39 units of four-wheeled tractors, 10 units of rice combine harvesters, and 18 units of rice transplanters to these associations.

The ACEF Lending Program is a joint program of the Department of Agriculture (DA) and LANDBANK, which aims to provide necessary credit to small farmers and fishers (SFFs), their cooperatives and associations, and micro and small enterprises (MSEs) to increase their productivity, and to enhance the competitiveness of players in the agriculture sector.

As of June 30, 2020, LANDBANK has released a total of P2.5 billion in loans to 19,367 eligible borrowers nationwide under the ACEF Lending Program. Of the total borrowers, 19,189 are SFFs, 119 are MSEs, and 59 are farmers’ and fishers’ cooperatives/associations.

For more details about the Program’s features, eligibility and application requirements, interested borrowers may contact the nearest open LANDBANK Lending Center or Branch nationwide, or call LANDBANK’s customer service hotline at (02) 8-405-7000 or at PLDT Domestic Toll Free 1-800-10-405-7000.