Transform Livelihood Manual

Transform Program:
Livelihood Teachers Manual

ICM’s Vision

ICM is called to release the poorest of the poor in the Philippines from spiritual,
emotional and physical bondage.

Transform Livelihood Vision
We want our communities to:
• Understand the components of sustainable organic farming.
• All 31 families should at least try it.
• All 31 families should plant the seeds we give them (If they don't plant them,
we should stop giving them out and give more to those who are planting).
• For 75% of the vegetables to reach maturity; to be sold or consumed.
• Understand basic marketing.
• For at least 15 of the families to sell their vegetables to their neighbors.
• Understand the importance of thinking and planning for the future.
• All 31 families should try to set specific goals.
• Earn an additional household income of:
• P810 per month by the 3rd month.
• P1200 per month by the 6th month.
•

Transform Livelihood Overview/Goals
Lesson Teaching Objective Results
1 Welcome & Livelihood Orientation Recipients Know What They’ll be Learning
Share about Student Booklet Recipients Understand Student Booklet
Give 31 Booklets Recipients Know What They Need to Prepare
Vermiculture Introduction
2 Vermiculture Overview Basic Understanding of Vermiculture
Teach Vermi Food Create Food Prep Area
Teach Vermi Bin Produce Vermi Tea
Create Vermi Bin Functioning Vermi Bins
Teach Vermi Tea
Organize 5 Vermi-Groups
3 Give 200g Vermi per Group 31 Pass Test
Teach Container Farming Collect 2 sack of Vermi Food
Give 2 sacks of Cast & 310 Seeds Plant 10 Vegetables
Teach Record Keeping
4 Teach FAITH Gardening Community Gardens get divided up
Explain the Community Garden Produce CRH
Teach CRH Collect 4 sacks of Vermi Food
1 Carbonizer for community Plant 30 Vegetables
Give 2 sacks of Cast & 930 Seeds 30 Recipients Record New Seeds in Booklets
5 Teach Plant Management Produce Botanical Pesticides
Share about Reward & Prize! Collect 2 sacks of Vermi Food
Give 2 sacks of Cast & 930 Seeds
6 Teach and Demonstrate SODIS Recipients Produce Clean Water using SODIS
Teach Cast Harvesting Harvest their own Vermicast
7 Teach Vegetable Harvesting Produce Livestock Feeds
Teach Container Replanting
Create Livestock Feeds
8 Teach Seed Banking Prepare Plants to Collect the Seeds
Give 930 Seeds
9 Teach Marketing Recipients Write Marketing Plans
Give 930 Seeds Collect 1 sack of Vermi Food
10 Teach IMO & Micronutrients Produce IMO+
Give 930 Seeds Collect 2 sack of Vermi Food
11 Make Detergent Powder Each recipient uses or sells 400g Detergent
Give 930 Seeds
12 Teach Detergent Marketing Each recipient uses or sells 400g Detergent
Give 930 Seeds
13 Make Dishwashing Liquid Each recipient uses or sells 400g DWL
Give 930 Seeds Each recipient uses or sells 400g Detergent
14 Teach DW Market Each recipient uses or sells 400g DWL

15 Teach Business Opportunities Each recipient uses or sells 400g DWL

16 Make Fabric Softener Each recipient uses or sells 400g Softener
Give 930 Seeds Each recipient uses or sells 400g DWL

17 Teach Softener Marketing Each recipient uses or sells 400g Softener
Give 930 Seeds Each recipient uses or sells 400g DWL

18 Teach Family Budgeting Each recipient uses or sells 400g Softener
Give 930 Seeds
19 Teach Savings and Debt Each recipient uses or sells 400g Softener
Give 930 Seeds
20 Teach Suman Snack 1 group gets Ingredients to make Suman
Give 930 Seeds Each recipient uses or sells 400g Softener
21 Teach Kutsinta Snack 1 group gets Ingredients to make Kutsinta
Teach Puto Snack 1 group gets Ingredients to make Puto
Give 930 Seeds
22 Teach Turon Snack 1 group gets Ingredients to make Turon
Teach Banana Chips Snack 1 group gets Ingredients to make Banana Chip
Give 930 Seeds
23 Share Your Personal Vision and Recipients Write Personal Vision & Goal
Goals
Teach Personal Visioning
Give 930 Seeds
24 Prize Awarding Collect 300g of Vermi per Group
Graduation
Give 930 Seeds

LESSON 1: WELCOME, INTRODUCTION & ORIENTATION
Objectives (Results):
At the end of this session the recipients will be able to:
• Understand the scheduling, system and topics of VHL,
• Understand that they will need to prepare before some livelihood lessons,
• Understand that they will receive livelihood materials in exchange for local materials (vermi food).

Office Preparations Before the Session:
• Read over lesson outline.
• Bring 1 Uplift livelihood tarpaulin and 31 student manuals.
Teaching Outline (35 minutes including general VHL Orientation):
Content Trainers notes
Welcome & Introduction • Introduce yourself and your role.
• Inform them that all of our livelihood teaching is very practical and can help
Timing: 5 minutes them produce more food and income.
VHL Orientation • Every week this ICM team will visit your area.
• In the mornings (or afternoon) we’ll be visiting a few of your houses to see
how things are going. You can ask us any questions during those visits.
Also, we’ll need to do a survey.
• In the afternoon (or morning) we’ll all gather here to learn 3 lessons each
week: Values, Health & Livelihood. Each lessons is only 30 minutes! We
know many of you need to look after your family so our aim is not take more
than 2 hours.
Timing: 10 minutes • Each family gets a VHL booklet! Take VERY good care of it!
Livelihood Topics • We’ll teach you sustainable agriculture: vermiculture, seed banking, CRH,
Orientation botanical pesticide and livestock feed formulation.
• We’ll also teach you some basic marketing tips so that you can earn some
money from your hard work!
• We’ll be providing many of the materials you’ll need to implement
sustainable agriculture, but you will also need to provide some of them. For
example next week, we need all of you to bring 1 plastic/amount of any of
the following: banana trunk, animal tai/poo, dagami/rice straw or leaves. We
need those types of materials so that we can teach you how to make high
quality organic fertilizer.
• All livelihood materials must be repaid to the office. Don’t worry, you don’t
need to pay with money, you can pay us with vermi food materials. If
Timing: 10 minutes materials aren’t repaid, extra vermi must be given to the office.
What is Vermicomposting? Characteristics of the African Night Crawler:
The process turning organic 1. Hermaphrodites that mature in 8-10 weeks.
waste-matter into the highest 2. Population can grow extremely fast!
quality of fertilizer, known as 3. Prefers a moist (70%) environment.
vermicast, by using certain Vermi eat organic matter (such as tai and banana trunk) and turn it into the
species of earthworm. highest quality fertilizer.
Timing: 5 minutes Note: producing your own fertilizer is a key component in sustainable farming.
Vision Casting • We want to get to know each of you, your families and your situations.
• We want to remind you that there is hope for a better future and we want to
get along side you for the next 3 months to help you achieve some victories
in your life.
• We think each of you are worth our time and the donors money because we
believe you are all created in the image of our great God.
Timing: 5 minutes • We are excited to partner with all of you.
Reminder: Everyone should bring at least 1 sack of vermi food and enough materials (check Lesson 2
for list of needed materials) to make a vermi bin next week!

LESSON 2: VERMICULTURE & VERMI TEA
• Understand the basics of vermiculture,
• Prepare vermi food and construct a vermi bin,
• Make vermi tea.

• Read over lesson outline and review vermiculture & vermi tea.
• Bring 1 Uplift livelihood tarpaulin and 1 kg of vermicast (to make vermi tea).
Teaching Outline (30 minutes):
Typical Problems 1. 33% of Filipinos are in poverty because of underemployment, low
productivity and lack of education.
2. Hunger: lack of food, limited area for food production.
3. Poor health: sickness from poor diet and low quality food.
4. Poor environment: pollution, air, water, sewage and uncollected
Timing: 4 Minutes garbage!
Vermicomposting is a Solution 1. Increases income: increases the productivity of the soil, so more food
can be grown (less bought and more can be).
2. Reduces hunger: helps lift production of quality food.
3. Reduces sickness by improving diet.
4. Improves the environment, by helping more plants grow! Green is
Timing: 4 Minutes beautiful!
Prepare Vermi Food 3 main types of vermi food to make quality NPK fertilizer:
1. Banana Trunk (Potassium)
2. Manure, seafood scraps & banana peels (Phosphorus)
3. Leguminous (ipil-ipil, kakawate) (Nitrogen)
Layer the 3 types in equal proportions (1:1:1)
Other vermi food can be added: rice straw, ampalaya leaves, rotten non-
citrus fruit, eggshells, bones, cuttings, non-oily food scraps, paper and
cardboard.
Timing: 7 minutes Note: Add goat manure if there are rats.
Construct a Vermi Bin • Materials needed:
(1m x 2m x 1m high) Bamboo or wood poles, bamboo or plywood slats, nails or twine, rice
Advantages of a raised bin sacks, four containers, and used oil or water.
include protection from ants, • The top of the bin should have a depth of around 2 feet. Vermi Food will
flooding and easy access. need to be at least 1 foot deep at all times to achieve a faster rate of
production.
Timing: 5 minutes Note: A 2 square meter bin can handle up to 2 kg of worms.
Prepare Vermi Tea 1. Ingredients: cast + water (1:4)
(IMO substitute) 2. Mix cast and water in container.
3. Leave for 24 hours for most effectiveness.
4. Apply to vermi food.
Timing: 5 minutes Note: It can also be used as liquid fertilizer.
Stages of Growing Vermi 1. Gather vermi food.
2. Add vermi tea and leave for 7-14 days.
3. Then add to the vermi bin at least 1 foot to 2 feet deep.
4. Add water to keep the bin around 70% moist.
5. Harvest cast by scraping the vermicast from the top of the bin.
Timing: 5 Minutes 6. Add more vermi food to keep the depth of the food at least 1 foot deep.
Form 5 Vermi-Groups 5 recipients plus 1 counselor per group. (Each group needs a vermi bin.)
Reminder: The vermi bin must be completely ready in order to get worms!

Vermicompost (also called worm compost, vermicast, worm castings, worm humus or worm manure) is the end
product of the broken-down organic matter by some species of earthworm. Vermicompost is a nutrient-rich, natural
fertilizer and soil conditioner. The process of producing vermicompost is called vermicomposting.
Together with bacteria (indigenous micro-organisms or IMO), earthworms are the major catalyst for decomposition in a
healthy vermicomposting system, although other soil species also play a contributing role: these include insects, other
worms and molds.

Different Earthworm Species used in Vermicomposting
1. Red Wiggler
2. Red Tiger
3. Red Worms
4. Blue Worms
5. African Night Crawlers (most commonly used in the Philippines)

Characteristics of African Night Crawlers
1. Hermaphrodites (each worm has male and female reproductive organs)
2. Matures in 8 weeks.
3. Breeding worms can lay 2-5 cocoons per week, each containing an average of 10
worms.
4. Population doubles in about a month.
5. Loves shady areas and strongly dislikes direct sunlight.
6. Prefers a moist, but not wet, environment.
7. Eats continuously.
8. Generally, it will excrete on the surface.

Advantages of Vermicomposting
1. It contains millions of microbes that help breakdown nutrients already present in the soil into plant available forms.
2. Contains worm mucus that keeps nutrients from washing away with the first watering.
3. Environment friendly. Since earthworms feed on anything that is biodegradable, vermicomposting then partially aids
in the garbage disposal problems.
4. Compost “tea” is liquid fertilizer that is made from brewing vermicasts in water. An enormous diversity of bacteria,
fungi, protozoa and nematodes should be present depending on the quality of the compost.
5. No imported inputs required. Worms are now locally available and the materials for feeding are abundant in the
locality as market wastes, grasses, used papers and farm wastes.
6. It doesn’t take much time.
7. Profitable. Both the worms and castings are saleable!
8. Increase moisture and nutrient retention of the soil
9. Improves aeration and root penetration
10. Reduces crusting of soil surface
11. Contain NPK just like chemical fertilizer, except better because it doesn’t kill the natural soil.
12. Increases the number of beneficial soil micro-organisms.

Caution
100% worm compost is usually too rich to be used in a seed box. For
seed starting, use a mixture of vermicasts and soil or soil alternatives
(such as rice hull); a mixture of one to four should be used.

Site Selection
1. Source of H2O & VermiFood
2. Shady and Covered

Harvesting Stage
You can harvest the vermicompost every 3-4 weeks. During the week
before harvesting, no water should be added to the substrate.

Organic Fertilizer vs. Chemical/Synthetic Fertilizer

N% P% K%
Growth characters
1st Harvest 2nd Harvest 1st 2nd 1st 2nd
Chemical/Synthetic NPK 1.8 2.2 0.53 0.55 3.9 4.2
Microorganisms 1.1 1.4 0.49 0.5 2.8 3.1
Compost 1.6 1.9 0.51 0.52 3.1 3.2
Compost + Microorganisms 2.1 2.3 0.52 0.55 4 4.5

Plant height Number of Fresh Dry weight Number of
Growth characters (mm) branches weight (g) (g) flowers
1st 2nd 1st 2nd 1st 2nd 1st 2nd 1st 2nd
Chemical/Synthetic NPK 790 841 40 51 521 561 100 118 20 18
Microorganisms 521 600 22 26 327 365 71 80 7 12
Compost 680 660 34 30 436 496 90 97 13 17
Compost + Microorganisms 810 880 41 60 550 600 115 123 22 25

Source: Cluj, 2007 Volume 35, Issue 1(Print ISSN 0255-965X; Electronic ISSN 1842-4309)

Vermicompost vs. Traditional Compost

Parameter Vermicompost* Traditional Compost**
Total Nitrogen (%) 2.00 0.90
Phosphorus (%) 0.50 0.33
Potassium (%) 0.85 0.44
Calcium (%) 4.30 2.55
Magnesium (µg-1 g-1) 0.56 0.50
Aluminum (µg-1 g-1) 7002 7444
Copper (µg-1 g-1) 30.5 15.6
Manganese (µg-1 g-1) 523 388
Zinc (µg-1 g-1) 321 133
pH 6.8 7.5
* Vermi-compost was derived from 70 % organic materials composed of Gliricidia and Leucaena leaves and
twigs (25%) and grasses (75%), plus 20% garden soil, plus 10% cattle manure. Night Crawler earthworms
were inoculated in the vermi-bins.
** Traditional compost was derived from 70 % organic materials composed of Gliricidia and Leucaena leaves
and twigs (25%) and grasses (75%), plus, 20 % ordinary garden soil. 10 % cattle manure.
Note: the exact parameters will vary on the inputs.
Source: www.wormsphilippines.com/docs/Agroforestry%20Farm%20Wastes%20by%20Salamanca.htm

Note:
The variation on the result of NPK analysis will be based on the ratio and the materials used as the composting
media for organic fertilizer production.

LESSON 3: ORGANIC FARMING
At the end of this session the recipients will have an operating Vermi Bin and be able to:
• Understand the need to use organic farming,
• Do container farming as well as plot farming.

• Read over lesson outline and review the container farming demonstration.
• Call the pastor to confirm that their vermi bin is ready. If it is, then bring 1kg worms for the group.
• Bring up to 1kg vermi, 310 seeds, 1 sack of vermicast, 1 container, wire #16 and 1 Uplift livelihood
tarpaulin.
Give 200g of Vermi to Each Group Locate vermi bins in a dark and covered area, with easy access to
Timing: 5 Minutes water and vermi food.
Review Typical Problems Ask 2 recipients to share a few of their problems.
Timing: 4 Minutes
Organic Farming is a Solution to 1. Increasing income by reducing the amount of food that needs to be
Poverty bought and producing food that can be sold.
2. Reducing hunger by offering a daily source of food supply.
3. Reducing sickness by improving diet.
4. Improving the environment by recycling old containers & beautifying
Timing: 3 Minutes backyards.
What is Container Farming? • A method of vegetable production using old or discarded containers
Types of Containers: jars, old boxes, that can hold soil for a full-grown plant.
old containers, tires, plastic pots, tin • It is a cheap, manageable and easy way to start a farm!
cans, and plastic soft drink bottles Note: Containers must be non-transparent, because the root system of
and water bottles. the plant should not be exposed to sunlight. It will affect the growth of
Timing: 3 minutes the plant.
How do we get started? 1. Clean containers of oil or grease.
1. Prepare the Containers 2. Cut in halves if needed.
(demonstrate) 3. Make at least 5 holes, 1 inch from the bottom.
Timing: 4 minutes 4. Use wire to hang the containers.
2. Prepare the Soil (demonstrate) Healthy soil mixture: mix soil, casts & CRH in equal parts (1:1:1)
Timing: 3 minutes Note: If no CRH is available mix soil & casts (1:1)
3. Direct Planting (demonstrate) 1. ¾ of the container should be filled with soil.
2. Water the soil just enough to make it damp/moist.
3. Sow 1 seed in the container with a depth of 2-3 cm and cover.
Timing: 4 Minutes 4. Water and hang (use #16 tie wire, or string) in a sunny location.
Traditional Farming • If you have no containers or have lots of ground space, you should
use a seed box to germinate the seeds. Use a banana leaf to wrap
some soil around the seed. Do not expose the seed box to direct
sunlight, because the heat of the sun will kill the young leaves.
• While the seeds are germinating, you should prepare the hills using
vermicast.
• Once the seeds have 3 leaves on them, place the banana-wrapped
seedling directly into the prepared hills and lightly cover with soil.
Timing: 3 Minutes Note: Radish and carrots cannot be transplanted.
Give out Seeds Give each recipient a pack of 10 seeds to practice organic farming.
Reminders:
1. Collect 2 sack of vermi food to pay for the vermicast.
2. The community should have at least 1 sack of rice hull for next weeks lesson.
3. Each group will pay 300g (200 for vermi & 100 for seeds) of worms on the last week of the program.

Container Farming is a method of vegetable production using discarded containers such as; jars, old boxes, old
containers, tires, plastic bags, pots, tin cans and anything else can hold soil as the planting medium. Using this method
helps save space, recycles old materials and keeps the work simple. Starting a farm using this method can be very cheap,
manageable and easy to scale up. On average each plant will generate P7 of income.

Materials Needed
• Containers
• Wire (#18 tie wire preferred) or string
• Planting materials (seeds, seedlings,
cuttings, tubers, etc.)
• Garden tools (bolo, knife, scissors,
spade, rake or hoe)
• Garden soil/fertile soil
• Organic fertilizer (compost, animal manure, vermicompost, etc.)

Container Location
The container can go anywhere as long as they meet the 2 requirements listed below.
• Sunlight
o Leafy vegetables: 4 to 5 hours of sunlight everyday.
o Fruit bearing: 5 to 6 hours of sunlight everyday.
• Wind/breeze/air movement
o Not too strong of wind or the plant might get damaged.
Container Selection
• Choose a container size based on the size of plant you wanted to
grow.
• Clean the container if necessary (oil, grease, etc.)
• Cut into two halves if needed.
• Make at least 5 holes around, 1 inch from the bottom.
• If necessary, attach a string or wire to the container for hanging.
Reminders
1. Soil Mixtures-Local Soil:Vermicast:CRH (1:1:1)
2. Planting: place seed 1/2 inch under the soil mixture
3. Water twice a day. Don’t over water!
4. Harvest On Time (use record book)!
5.Record Sales And Planting Data

Germinating
1. Direct Planting
Raddish, Pitchay, Carrot, Onion, Beans, Squash, Garlic, Ampalaya, Upo, Camote
2. Seedlines
Peppers, Tomato, Eggplant, Okra

Types of Seed Box

CONTAINER GARDEN PLANTING GUIDE
SOIL SOIL
VEG HARVEST SUNLIGHT
DIAMETER DEPTH
1 Pechay 30-45 days 6 inches 5 inches 4-5 hours a day
2 Pole Sitaw 37-43 days 12 inches 12 inches 5-6 hours a day
3 Carrot 80-100 days 2 inches 7 inches 5-6 hours a day
4 Ampalaya 90 days 16 inches 12 inches 5-6 hours a day
5 Lettuce 30-45 12 inches 12 inches 4-5 hours a day
6 Garlic 90-110 days 8 inches 8 inches 4-5 hours a day
7 Tomato 45-60 12 inches 12 inches 5-6 hours a day
8 Radish 45-60 days 2 inches 12 inches 5-6 hours a day
9 Bell Pepper 60 days 6 inches 12 inches 5-6 hours a day
10 Onion 90 days 10 inches 3 inches 4-5 hours a day
11 Upo 90 days 12 inches 16 inches 5-6 hours a day
12 Eggplant 90 days 12 inches 16 inches 5-6 hours a day
13 Camote tops 30-45 12 inches 12 inches 4-5 hours a day
14 Hot chilli 90 days 10 inches 12 inches 4-5 hours a day
15 Okra 60 days 12 inches 12 inches 5-6 hours a day
16 Squash 90 days 12 inches 18 inches 5-6 hours a day

Types of Soil
1. Sandy
a. Large spaces between particles allowing water and minerals to flow
b. No capacity to hold water
c. Made up of granules of minerals and rocks
d. Not Fertile
2. Clay
a. Very little space between particles, poor drainage, poor aeration
b. Not good for planting
c. Good for art crafts such as pots, jars etc.
d. light brown, reddish brown, light yellow in color
3. Silt
a. Fertile soil, rich in nutrient, good drainage
b. Ideal for all plants
4. Loam
a. Made up of different kinds of soil
b. With good water holding capacity
c. Fertile soil, rich in nutrient, good drainage
d. Good aeration
e. Black in color

LESSON 4: FAITH GARDENING, COMMUNITY GARDENING & CRH
• Understand FAITH Gardening and the importance of continuos production,
• Have the opportunity to participate in the community garden,
• Make CRH (Carbonized Rice Hull).
• Read over lesson outline and review making CRH.
• Bring a Carbonizer, 1 Uplift livelihood tarpaulin, 930 seeds & 2 sacks of vermicast.
FAITH Gardening In order to get real savings, you should have your basic vegetables
(Food Always In The Home) continually produced. This will insure that you’ll always have vegetables
ready for your meals. This is why ICM will give you 30 seeds every week
until the program finishes!!
• The 1st half of the booklet has a summary of everything we are teaching
you. The 2nd half is to record all the important information like the date
the seed is planted, how much is harvested and sold. In a few more
weeks we’ll also use the booklet to record some of our personal goals
and dreams.
• If you keep your records up-to-date, you will be able to see how much
you’ve been able to produce and earn because of your efforts to grow
food for your family. And hopefully you will be encouraged to see that
Timing: 6 Minutes you can also earn money by selling your extra vegetables
Community Gardening Your pastor has been able to secure this land for all of you to garden. The
plot will be equally divided amongst all who want to join. Half of each
persons harvest will be donated to the church.
Timing: 4 Minutes Note: Extra seeds will be given to those who participate.
Make CRH 1. Make a small fire.
2. Place the Carbonizer on top of the fire.
3. Put 1 sack of rice hull around the Carbonizer.
4. Add wood to the fire through the chimney.
5. When 85% of the hull turns black remove the fire.
6. Using a shovel, slowly mix the rice husk until it’s 99% black.
7. Add water and mix until it stops smoking.
8. Spread it out so that it will dry.
9. Once dried, add to soil or store it in a sack until needed.
Note: The hull should not catch on fire or become gray. (It becomes
Timing: 13 Minutes useless at that point.)
Why do we make CRH? 1. It’s is a soil loosener.
CRH contains phosphorus, 2. It aids moisture retention.
potassium, calcium, magnesium, 3. It can enhance seedling growth.
and micronutrients vital for 4. It minimizes weed growth.
growing crops. 5. Rice Hull is normally free or very cheap.
6. A Carbonizer is cheap and easy to operate.
7. When it’s added to casts it makes a great soil enhancer.
Timing: 5 Minutes 8. It eliminates fungus that damage and kill plants.
Reminders:
1. The area should prepare 150g of garlic, 100g of tubli roots & ¼ kg of kakawate leaves for next week.
1. Collect 4 sacks of vermi food to pay for the Carbonizer and vermicast.
2. When you plant the new seeds remember to record it in your booklets!

LESSON 5: PLANT MANAGEMENT & REWARDS!
• Prepare botanical pesticides,
• Demonstrate plant management and pest control.

• Read over lesson outline and review making botanical pestcide.
• Bring 1 Uplift livelihood tarpaulin, 930 seeds & 2 sacks of vermicast.
Basic Plant Management 1. Pests: manually remove them or use botanical pesticides.
2. Remove weeds by hand.
3. Water: twice per day, but don’t drown or over-water the plants.
Timing: 2 Minutes Note: If containers are over watered, the nutrients will wash away.
What are Botanical Pesticides • Botanical pesticides refer to natural pesticides that have been produced
and Why should we use them? from plants. Various botanical pesticides treat different types of pests
and they only need to be used when the problem occurs.
Timing: 3 Minutes • WHO found 10,000 die annually because of chemical pesticides.
Make Kakawate Pesticide 1. Gather ¼ kg of kakawate leaves and pound it.
Purpose: General pest control. 2. Mix it well with 250ml of water and soak it overnight.
3. After 12 hours, strain out all the leaves.
4. Mix 4L of water with 3 tbsp of kakawate juice.
5. Spray mixture on your plants during sunrise and sunset.
Timing: 5 minutes 6. The mixture should be used within 3 days.
Tubli Root Pesticide 1. Gather 100g of fresh tubli roots and chop them up.
Purpose: General pest control. 2. Mix it with 1.5L of water and soak it overnight.
3. After 12 hours, strain out all the roots.
4. Mix 1.5L of water into the 1.5L of tubli juice.
Timing: 5 minutes 5. Spray mixture on infested plants.
Make Garlic Pesticide 1. Gather 150g of garlic bulb and pound it.
Purpose: Aphids, ants and many 2. Mix it with 2L of water and soak it overnight.
common pests. 3. After 12 hours, strain out all the garlic.
4. Gently mix 1 tbsp of dishwashing liquid into the water.
Timing: 5 minutes 5. Spray mixture on infested plants.
Atis Seed Pesticide Pulverize seeds into a powder and then place
Purpose: Ants directly to the base of plants that are being
Timing: 2 minutes attacked by ants.
Black Pepper Pesticide Sprinkle black pepper powder directly to the base
Purpose: Ants of the plants that are being attacked by ants.
Timing: 2 minutes
Vegetable Production Rewards • The family that plants and maintains the most vegetables will receive a
grocery reward worth P300 for 1st place and P200 for 2nd place!!
• On the 11th week of the program, ICM staff will visit each house to count
how many vegetable plants the family has, along with any plants they
have in the community garden.
• The family with the most plants wins!
Note: Only healthy plants will be counted. Plants that are dying will be
Timing: 5 Minutes disqualified.
Reminders:
1. Collect 2 sacks of vermi food to pay for vermicast.

LESSON 6: SODIS & CAST HARVESTING
• Purify their water source using SODIS method,
• Harvest vermicast.

• Read over lesson outline and review SODIS, vermicast harvesting (scraping technique) & bin
maintenance.
• Bring a SODIS instruction guide, 1 Uplift livelihood tarpaulin and 930 seeds.
Safe Drinking & Cooking Water It is so important to have a safe source of water. 1.6 million people die
every year because of severe diarrhea. 94% of those deaths are
preventable by washing hands and using safe water. We’ve already
learned about proper hand washing through PHE. But we haven’t
Timing: 5 minutes taught you how to get safe water yet.
SODIS (Solar Water Disinfection) SODIS is a very simple and cheap way to produce safe water. Do the
following steps:
1. Get a bucket of water (your normal source) and strain it with some
cloth.
2. Take a transparent bottle and remove any labels.
3. Pour the strained water into the bottle and tighten the lid.
4. Then place the bottle in direct sunlight, such as your roof.
5. After 10 hours, on a sunny day, the water is safe to drink. If it’s
cloudy, then leave the bottle for 2 days.

Timing: 7 minutes
How does SODIS Work? UV-radiation from the sun will kill 99.9% of the pathogens that cause
Timing: 3 minutes the diseases, except amibiasis.
Vermicast Harvesting 1. Scrape the top layer of casts.
Timing: 10 minutes 2. Use casts for new containers or sell them.
Bin Maintenance 1. After harvesting some of the casts:
• Add the prepared vermi food to the bin
• Maintain 70% moisture level
Timing: 3 minutes 2. When there are too many worms in a bin you can create a 2nd bin.
Give out Seeds Timing: 2 Minutes Give each recipient a pack of 30 seeds to practice organic farming.
Reminder: When you plant the new seeds remember to record it in your booklets!

LESSON 7: VEGETABLE HARVESTING & FEED FORMULATION
• Harvest vegetables,
• And produce their own livestock feeds.

• Read over lesson outline and review plant harvesting, preparation and planting.
• Bring feed ingredients (2kg of rice/corn bran & 2 tbsp of yeast), 1 Uplift tarpaulin and 930 seeds.

Container Harvesting 1. Harvest the vegetables that are ready.
2. Consume or sell harvest.
Note: Make sure you sell the best quality vegetables and consume the
average ones. Your buyers will continue to purchase from you if you sell
Timing: 5 Minutes good products.
Container Replanting 1. Take out the old soil and divide it in 2 while removing all the old root
system. If the roots are difficult to remove, put the old soil in the sun
for 7 days to kill the bacteria.
2. Mix the old soil with new vermicast soil.
3. Place the new mix back into the container.
4. Water the soil just enough to get wet.
5. Sow 1 seed in the container with a depth of 2-3 cm and cover.
Timing: 10 Minutes 6. Water and hang in a sunny location.
Make Livestock Feeds 1. Dissolve 2 tbsp of yeast into 1L of water.
2. Add 2kg of rice or corn bran and mix gently.
3. Place it in a plastic container for 12 hours.
4. Chop 4kg of grasses into small pieces and moisten with water.
5. Mix the bran with the chopped grasses, then store for 7 days.
6. After 7 days, feed the mixture to your livestock.
Note: The mixture must be consumed within 7 days! Make a new mix
every 7 days or less in order to always have available livestock feeds.
Warning: This formulation is good for all livestock EXCEPT for
Timing: 13 Minutes pregnant sows!
Timing: 2 Minutes
Reminder: When you plant the new seeds remember to record it in your booklets!

LESSON 8: SEED BANKING
• Harvest seeds from certain mature plants.

• Read over lesson outline and review seed banking.
• Bring cellophane (for seed banking), 1 Uplift livelihood tarpaulin and 930 seeds.

Review Soil Preparation Healthy soil mixture:
Mix soil, casts & CRH in equal parts (1:1:1)
Timing: 5 minutes Note: If no CRH is available mix soil & casts (1:1)
What is Seed Banking? • Seed banking is allowing a plant to grow to full maturity (when it
begins to flower) and harvesting its seeds.
• The following plants can be kept for seed banking: pechay, tomato,
ampalaya, eggplant, bell pepper, hot pepper, pole sitaw, and
lettuce.
• We recommend you have 1 plant, per variety, to be used for seed
banking.
• When a plant reachs full maturity and begins to flower, tie plastic
sacks around the flowering part of the plant so that the seeds will
fall into the sack. Once most of the seeds have dropped, shack the
plant and then remove the sacks with the seeds inside. The seeds
Timing: 10 minutes should be stored in a safe dry environment.
Demonstrate Seed Banking Visit someone nearby garden to show them how to prepare a plant to
Timing: 13 minutes harvest it’s seeds.
Timing: 2 Minutes
Reminders:
2. Everyone needs to bring their booklets next week!

LESSON 9: MARKETING
• Create a Marketing Plan.

• Read over lesson outline and review marketing.
• Bring 1 Uplift livelihood tarpaulin and 930 seeds.

What Products can you Sell? 1. Vegetables
2. Vermicast
3. Seedlings
Timing: 4 Minutes 4. Vermi (depends on the area)
Who/Where do you sell to? 1. Neighbors: Door-2-Door
2. The Market: Stall
3. Join your local farmers coop/marketing association.
Timing: 6 Minutes 4. Kalindirias/Restaurants
How do you sell? 1. Tell potential buyers about your product
2. Show them your product
3. Agree on a fair price and sell it
Timing: 4 minutes 4. Ask them if they want to buy more
When do you sell? 1. When is the customer looking to buy? What is the best time to sell?
After work, before dinner, etc.
Timing: 4 minutes 2. Manage inventory: you must sell your products before they go bad!
Create a Marketing Plan • What are you going to sell, where, when, how and at what price?
Timing: 10 minutes • Fill out your own marketing plan found in your booklet.
Timing: 2 Minutes
Reminders:
1. Next week prepare 1kg of fish scraps, 1kg of very ripe papaya and 1kg of banana trunk.

LESSON 10: IMO & MICRONUTRIENTS (FFA, FFJ & FPJ)
• Produce and understand the purpose of IMO and Micronutrients.

• Read over lesson outline and review IMO & micronutrients.
• Bring ingredients for IMO (4kg of kinugay, 1kg of cooked rice, bamboo container, rubber band, plastic,
and paper), 1 Uplift livelihood tarpaulin and 930 seeds.

What is IMO? • IMO stands for Indigenous Micro Organisms. These
organisms/bacteria are good.
• God made them to help recycle the earth. They eat/break down
Timing: 2 minutes decaying matter, such as leaves, manure and banana trunk.
What do Micronutrients do? They provide extra food/nutrients for the IMO to quickly multiply and
Timing: 2 minutes they enhance the soil.
Why do we use IMO? • These organisms exist everywhere, but we are helping them multiply
so that they work faster!
• They help us reuse our farm/local wastes for a productive purpose.
Timing: 4 minutes • They help us make organic fertilizer.
How do we make IMO? 1. Put 1kg of cooked rice into bamboo and then cover the top with
paper, then plastic and then tie a string around it to keep it secure.
2. Keep it in a cool place for 3 days.
3. Remove the fermented rice and then mix with 1kg of sugar.
4. Return the mixture into the bamboo and reseal it.
6. Remove the mixture and strain out the liquid from the solid.
7. Store the liquid in a plastic container with the lid loosely on (gases
Timing: 10 minutes will build up so don’t put the lid on too tight).
How do we make FFA, FFJ and 1. Chop 1kg of fish scraps (or very ripe papaya or banana trunk) into
FPJ? small pieces then mix with 1kg of sugar.
2. Put the mixture into a plastic container then cover the top with
paper, then plastic and then tie a string around it to keep it secure.
4. Remove the mixture and strain out the liquid from the solid.
5. Store the liquid in a plastic container with the lid loosely on (gases
Timing: 10 minutes will build up so don’t put the lid on too tight).
Timing: 2 Minutes
Reminders:
1. Collect 2 sacks of vermi food to pay for the IMO ingredients.
2. Everyone needs to bring their booklets next week!

LESSON 11: DETERGENT POWDER MAKING
Objectives (Outputs):
• Make detergent powder.

• Read over lesson outline and review detergent powder making.
• Bring 1 detergent powder kit (detergent powder, bubble enhancer, empty sachets and labels), a small
scale, 1 Transform livelihood tarpaulin and 930 seeds.
Savings = Pesos For every peso saved, from producing our own things, we have
•
more money to spend on other needs.
• We went to give you the ideas and skills to help your family provide
for their basic needs.
• Another basic need is for detergent powder. We all like to have
Timing: 5 Minutes clean clothes!
Mixing Detergent Powder 1. Mix all the dry ingredients together in a patya/pale.
2. Add in the liquids until all ingredients are thoroughly mixed.
3. Package in sachets.
Timing: 13 minutes 4. Store for 2 days to allow curing before using or selling.
Dispersing Detergent Powder 1. Divide the detergent amongst the recipients, including the pastor. It
should be around 400g per person.
2. Sachets of 400g costs P34. You’ll earn P6 per sachet you sell or
save P16 per sachet you don’t have to buy!
3. Inform them that they will need to pay ICM back next week.
4. Encourage them to use it themselves and sell the extra.
5. Everyone should sell it at P40 per 400g.
Note: Any person who doesn’t return their payment will not be able to
Timing: 10 minutes buy/receive any additional detergent powder.
Explain the Payment Plan Detergent Powder Payment Plan
Week 1 Week 2 Week 3 Week 4 Week 5 Week 6
Payment 0 34 34 34 34 0
Restock 0 0 0 0 0 28
Sachets 1 1 1 1 1 1
Net Income 0 6 6 6 6 12
4 payments equals financial independence!
Timing: 2 Minutes
Reminder: Everyone who receives detergent powder needs to pay it back next week in order to get
more.

Detergent Powder Making
Ingredients in 1 kit/set:
10 kg of Sodium Sulfate 500 g Zeolite
2 kg of Magic ULTRA-APOC 50 g Speckle blue
1.5 kg of CFAS 200ml Liquid (or 6 kg Dry) Bubble Enhancer

Procedure to make 14 or 20 kg of high quality Detergent Powder:
1. Put sodium sulfate, Magic Ultra-Apoc, CFAS, Zeolite in a basin. (14 kg)
2. Mix it until it is spread evenly
3. Add 6 kilos dry bubble enhancer or 200ml of liquid bubble enhancer
4. Then pour out the scent while mixing it continuously
5. Sprinkle the speckles
6. Let it stay within 48 hours in a covered basin (mixed daily)
7. Place it in your desired packaging

Budget Forecast:
1 set of Detergent Powder = 695
250 ml liquid Bubble Enhancer = 100 Mall Price: P50 to P60
6 kg dry Bubble Enhancer = 360 P930 / 35 packs = 26.60
35 or 50 pieces of 400g x 2 = 70 or SRP: P40 x 35 = 1400
100 P1280 / 50 packs = 25.60
35 or 50 pieces of labels x 2.5 = 85 or 125 SRP: P40 x 50 = 2000
Total Capital Expenses: 950 or 1280 Net Income = 450/720

Detergent Powder Payment Form
Area: _____________ Price per 400g: ______
1st Payment 2nd Payment 3rd Payment 4th Payment
Names
/ Signature / Signature / Signature / Signature
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LESSON 12: DETERGENT POWDER MARKETING
• Package and market detergent powder.

• Read over lesson outline and review detergent powder marketing.
• Bring 1 detergent powder kit (detergent powder, bubble enhancer, empty sachets and labels), a small
scale and 930 seeds.
Collect Payment Everyone who received detergent last week should pay it back now.
Timing: 5 minutes
Review Mixing Detergent Powder 1. Mix all the dry ingredients together in a patya/pale.
2. Add in the liquids until all ingredients are thoroughly mixed.
3. Package in sachets.
Timing: 2 minutes 4. Store for 2 days to allow curing before using or selling.
Marketing Detergent Powder 1. Family/relatives - they must pay!
1. Where? 2. Friends - they must also pay! 
3. Neighbors.
4. Community.
Timing: 4 minutes 5. Local Market.
2. When? Think about what time of day is best for selling. When do people
Timing: 4 minutes typically wash their clothes or do marketing?
3. How much? Things to consider:
1. It needs to cover costs.
2. Earn a return on your effort!
3. A competitive price, it needs to sell!
• Decide as a group what price everyone will sell if for. If people sell it
Timing: 5 Minutes for different prices, it will hurt everyone’s business.
Timing: 2 Minutes
Reminder: Everyone who receives detergent powder needs to pay for it next week.

LESSON 13: DISHWASHING LIQUID MAKING
• Make dishwashing liquid.

• Read over lesson outline and review dishwashing liquid making.
• Bring 1 detergent powder kit (detergent powder, bubble enhancer, empty sachets and labels), 1
dishwashing liquid kit (dishwashing liquid, empty sachets and labels), a small scale and 930 seeds.
Collect Payment Everyone who received detergent powder last week should pay it back
Timing: 5 minutes now.
2. Sachets of 400g costs P34. You’ll earn P6 per sachet you sell or save
P16 per sachet you don’t have to buy!
Mixing Dishwashing Liquid 1. Prepare 12 liters of clean water in a container.
2. Add 1000g of APOC into water, then stir vigorously.
3. Add 125 ml anti-bacteria and ultra degreaser or anti-sebo.
4. Add 25 ml of desired coloring.
5. Mix gradually until diluted completely.
6. Then pour 200ml of bubble enhancer agent then mix.
7. Add 25ml scent.
8. Add 500g of Sodium Chloride while mixing.
Timing: 15 minutes 9. Store for 12 hours to allow curing time before using or selling.
Dispersing Dishwashing Liquid 1. Divide the dishwashing liquid amongst the recipients, including the
pastor. It should be around 400ml per person.
Timing: 5 minutes buy/receive any additional dishwashing liquid.
Explain the Payment Plan Dishwashing Liquid Payment Plan
Payment 0 45 45 45 45 0
Restock 0 0 0 0 0 34
Sachets 1 1 1 1 1 1
Net Income 0 11 11 11 11 22
Timing: 2 Minutes 4 payments equals financial independence!
Reminder: Everyone who receives products needs to pay for them next week.

Dishwashing Liquid Formula
1000 g of APOC (All purpose Organic cleaner) 200 ml bubble enhancer
125 ml anti bacteria or anti-sebo 25 ml scent
25 ml coloring 500 g Sodium Chloride

Procedure to make 13 liters of Pure Dishwashing liquid (New Improve with Anti bacteria):
1. Prepare 12 liters of clean water in a container
2. Add 1000g of APOC INTO WATER, THEN STIR VIGOROUSLY
3. Add 125 ml anti-bacteria and ultra degreaser or anti-sebo
4. Add at least 25 ml of desired coloring
5. Mix gradually until diluted completely
6. Then pour 200ml of bubble enhancer agent then mix
7. Add 25ml scent
8. Add at least 500g of Sodium Chloride while mixing
9. Store within 12 hours to allow curing time
10. Repack in air light containers

Budget Forecast:
1 kit DWL = 595 Mall Price: P49 to P52
52 pieces of 250ml bottles x P10 = 520 P1167 / 52 bottles = 22.50
52 pieces of labels x P1 = 52 SRP: P35 x 52 bottles = 1820
Total Capital Expenses: 1167 Less Capital = 1167
Income = 653

Dishwashing Liquid Payment Form
Area: _____________ Price per 400g: ______
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LESSON 14: DISHWASHING LIQUID MARKETING
• Market dishwashing liquid.

• Read over lesson outline and review dishwashing liquid marketing.
• Bring 1 detergent powder kit (detergent powder, bubble enhancer, empty sachets and labels), 1
dishwashing liquid kit (dishwashing liquid, empty sachets and labels), a small scale and 930 seeds.

Collect Payment Everyone who received detergent powder and dishwashing liquid last
Timing: 5 minutes week should pay it back now.
Dispersing Detergent Powder 1. Divide the detergent amongst the recipients, including the pastor.
It should be around 400g per person.
Review Mixing Dishwashing Liquid 1. Mix all the ingredients step by step.
2. Store for 12 hours to allow curing time.
Timing: 5 minutes 3. Repack into sachets.
Timing: 5 minutes buy/receive any additional dishwashing liquid
Review Marketing 1. Where?
2. When?
Timing: 8 minutes 3. How much?
Timing: 2 Minutes

LESSON 15: BUSINESS OPPORTUNITY
• Understand that they can have a business selling cleaning products.

• Read over lesson outline and review fabric softener making.
• Bring 1 detergent powder kit, 1 dishwashing liquid kit (dishwashing liquid, empty sachets and labels), a
small scale and 930 seeds.

Collect Payment Everyone who received detergent powder and dishwashing liquid last
Timing: 5 minutesweek should pay it back now.
Dispersing Detergent Powder For all individuals who have 100% repayment, they receive their 800g
Timing: 5 minutesfrom their savings buildup!
Timing: 5 minutes buy/receive any additional dishwashing liquid
Business Opportunity • Give the contact information of the local chemical products supplier.
• We are giving you the suppliers information because we hope some of
you will continue this business.
• You know how to make it. You know how to sell it. Now you only need
to learn how to manage your stock.
• If you can afford to purchase a set on your own, then go for it. If not,
partner with your group and work as a team!
• Please ask us any questions about this. We want to help you
succeed, but we can no longer pay for detergent powder. We’ll keep
teaching you new things.
Note: If the area gives us the money, we can purchase and deliver more
Timing: 13 minutes sets. But once the program is done, they will need to do the logistics.
Timing: 2 Minutes
Reminder: Everyone who receives dishwashing liquid needs to pay for it next week.

LESSON 16: FABRIC SOFTENER MAKING
• Make Fabric Softener.

• Read over lesson outline and review fabric softener making.
• Bring 1 dishwashing liquid kit, 1 fabric softener kit (1kg of Ultra Soft Gel, 2.5 ml coloring, 150 ml of
Fragrance Retainer, 150 ml of scent, 25 ml of Anti-Foam), a small scale and 930 seeds.

Collect Payment Everyone who received dishwashing liquid last week should pay it back
Mixing Fabric Softener 1. Prepare 13 L of water in a container.
2. Dilute 1kg of Ultra Soft Gel in the water.
3. Add 2.5 ml of desired coloring.
4. Mix the solution thoroughly.
5. Mix 150 ml of fragrance retainer with 150 ml of scent.
6. Add 25 ml of anti-foam.
7. Store for 48 hours, but mix daily until sticky.
Timing: 10 minutes 8. Repack into sachets.
Dispersing Fabric Softener 1. Divide the fabric softener amongst the recipients, including the pastor.
It should be around 400ml per person.
Explain the Payment Plan Fabric Softener Payment Plan
Payment 0 45 45 45 45 0
Restock 0 0 0 0 0 36
Sachets 1 1 1 1 1 1
Net Income 0 19 19 19 19 28
Timing: 5 Minutes 4 payments equals financial independence!

Fabric Softener
1 kg of Ultra Soft Gel 150 ml of scent
2.5 ml coloring 25 ml of Anti-Foam
150 ml of Fragrance Retainer

Procedure to make 14 liters of Pure Fabric Conditioner:
1. Prepare 13 liters of water in a container
2. Dilute 1KG of Ultra Soft Gel in the water
3. Add at least 2.5 ml of desired coloring
4. Mix the solution thoroughly
5. Mix 150ml of Fragrance Retainer with 150ml of scent
6. Add 25ml of Anti-foam
7. Store in covered pail within 48 hours mix daily until sticky
8. Repack in air light containers

Budget Forecast:
1 kit of Fabric Softener = 695 Mall Price: P59 to P65
56 pieces of 250ml bottles x 9 = 504 P1255 / 56 bottles = 22.50
56 pieces of labels x 1 = 56 SRP: P40 x 56 = 2240
Total Capital Expenses: 1255 Less Capital = 1255
Income = 985

Fabric Softener Payment Form

Area: _____________ Price per 400g: ______
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LESSON 17: FABRIC SOFTENER MARKETING
• Market Fabric Softener.

• Read over lesson outline and review fabric softener marketing.
• Bring 1 dishwashing liquid kit, 1 fabric softener kit (1kg of Ultra Soft Gel, 2.5 ml coloring, 150 ml of
Fragrance Retainer, 150 ml of scent, 25 ml of Anti-Foam), a small scale and 930 seeds.

Collect Payment Everyone who received dishwashing liquid and fabric softener last week
Timing: 5 minutes should pay it back now.
Dispersing Dishwashing Liquid For all individuals who have 100% repayment, they receive their 800g
Timing: 5 minutes from their savings buildup!
Review Mixing Fabric Softener 1. Mix all the ingredients together.
2. Store for 48 hours, but mix daily until sticky.
Timing: 5 minutes 3. Repack into sachets
Review Marketing: 1. Where?
2. When?
Timing: 8 minutes 3. How much?
Timing: 2 Minutes
Reminders:
1. Everyone who receives fabric softener needs to pay for it next week.
2. Everyone should bring their student manuals next week!

LESSON 18: FAMILY BUDGET EXERCISE
• Understand the parts of a family budget.
• Create a family budget.

• Read over lesson outline and review family budget exercise.
• Bring a blank family budget exercise sheet, 1 fabric softener kit (1kg of Ultra Soft Gel, 2.5 ml coloring,
150 ml of Fragrance Retainer, 150 ml of scent, 25 ml of Anti-Foam), a small scale and 930 seeds.

Collect Payment Everyone who received fabric softener last week should pay it back now.
Timing: 5 minutes
What is in a Budget? A family budget should include the following:
• List of basic expenses (food, drinking water, education, clothes,
cleaning products, medicine, etc.)
• List of extra expenses (candies, beer, cigarettes, gambling, etc.)
Timing: 5 Minutes • List of all income (work, vegetables, cleaning products, etc.)
How to make a Budget? 1. Add up all your family’s income.
2. Add up all your family’s basic expenses.
3. Add up all your family’s extra expenses.
4. Family Income – Basic Expenses = Extra Income
Timing: 5 Minutes 5. Extra Income – Extra Expenses = Savings
Group Budget Exercise Take a blank family budget and ask the recipients to help you fill one out.
Timing: 5 Minutes
Personal Budget Exercise 1. Everyone can look in their student manuals and find the family budget
sheet.
2. Everyone should try and fill in their family budget this week. If you have
trouble, ask your group leader or the pastor.
Timing: 5 Minutes Note: Try and go around and help those who are struggling to understand.
Reminders:
1. Everyone who receives fabric softener needs to pay for it next week.
2. Everyone should bring their student manuals next week!

Family Budget Sheet

FAMILY INCOME TOTAL

Salary: _____________ Spouse's Salary: _____________

Dependant Salary: _____________ Remittance: _____________
P____________
Business: _____________ Farm & Vegetables: _____________

Cleaning Products: ____________ Other: _____________

BASIC EXPENSES TOTAL

Rent: _____________ Food: _____________

Electric: _____________ Education: _____________

Water: _____________ Clothes: _____________ P____________

Wood/Gas: _____________ Cleaning Products: _____________

PhilHealth/Medical: _____________ Other: _____________

EXTRA EXPENSES TOTAL

Alcohol: _____________ Gifts: _____________

Lechon: _____________ Eating Out: _____________

Cigarettes: _____________ Vehicle Payment: _____________

Gambling: _____________ Cellphone: _____________
P____________
Haircuts: _____________ Load: _____________

Allowances: _____________ Entertainment: _____________

Dentists: _____________ Junk Foods: _____________

Other: _____________

Total Family Total Basic Extra Income
Income Expenses
- =

Extra Income Extra Expenses Savings/Debt

- =

LESSON 19: SAVINGS/DEBT
• Understand the importance of having a family budget.
• Understand the importance of saving and how to handle debt.

• Read over lesson outline and review savings and debt.
• Bring 1 fabric softener kit (1kg of Ultra Soft Gel, 2.5 ml coloring, 150 ml of Fragrance Retainer, 150 ml
of scent, 25 ml of Anti-Foam), a small scale and 930 seeds.

Collect Payment Everyone who received fabric softener last week should pay it back now.
Timing: 5 minutes
Review Family Budget 1. Add up all your family’s income.
2. Add up all your family’s basic expenses.
3. Add up all your family’s extra expenses.
4. Family Income – Basic Expenses = Extra Income
5. Extra Income – Extra Expenses = Savings
Timing: 8 Minutes Note: Ask if anyone has questions or needs help.
Where can you Save Money: 1. Look at your basic expenses and see if you can produce or cut back on
any of those items.
2. Look at your family income and see if you can produce more income
from one of the sources.
Timing: 5 Minutes 3. Cutting out some extra expenses will help you save.
Debt/Utang: • Borrowing to pay for extra expenses should always be avoided!
• Borrowing to pay for basic needs should be avoided if possible,
because it will be very difficult to pay back.
• Borrowing to pay for a business purpose could be a good investment,
because you will be able to produce more money from that borrowed
amount.
Things to remember about debt:
1. Could you save for a while in order to get the same amount of money
without having to pay interest?
2. How much is the interest rate?
3. Could the debt destroy your life? What risks are involved?
Timing: 5 minutes 4. Generally speaking, it’s always better to stay out of debt.
Timing: 2 Minutes
Reminder: Everyone who receives fabric softener needs to pay for it next week.

LESSON 20: SUMAN SNACK
• Produce suman snack.

• Read over lesson outline and review suman recipe.
• Bring suman ingredients to demo and for the group, 1 fabric softener kit, a small scale and 930 seeds.
Collect Payment Everyone who received fabric softener last week should pay it back
Dispersing Fabric Softener For all individuals who have 100% repayment, they receive their 800g
Timing: 5 minutes from their savings buildup!
Teach Suman • Show all the ingredients.
• Teach them the steps as you cook it.
• Chose 1 group to receive the ingredients.
• Let the other 4 groups know that they will receive theirs in the
following 2 weeks!
• Remind the groups that they need to pay back the capital for their
Timing: 18 minutes snacks the following week.
Share Champorado Recipe Tell them that the recipe for Champorado is in their student booklets.
Timing: 2 Minutes The cooking process is similar to Suman but easier!
Reminder: The group who received snack ingredients needs to pay for it next week.
Suman
Ingredients:
1. 2 cups Sticky Rice
2. 1 can Coconut Milk
3. 2 tbsp Brown or White Sugar
Directions:
1. Soak the rice overnight before cooking.
2. Cook the rice with water while stirring continuously.
3. Thoroughly mix the sugar with ½ can of coconut milk.
4. When the rice is cooked, stir in the mixture.
5. Place 2 tbsp of rice into a banana leaf and then wrap it. Continue this process till all the rice in used.
6. Boil all the wrapped suman using the rest of the coconut milk and enough water to fully cover the
suman. Make sure the pan is covered to minimize evaporation. Boil for about 1 hour.
7. Sell the suman either warm or at room temperature.
Champorado
Ingredients:
1. 1 cup Sticky Rice
2. 1 can Coconut Milk
3. ½ cup unsweetened Tablia/Tabletas
4. ½ cup Brown Sugar
Directions:
1. Soak the rice overnight before cooking.
2. Cook the rice with water while stirring continuously.
3. Thoroughly mix the dry ingredients then add in the milk.
4. When the rice is cooked, stir in the mixture.
5. Serve warm for breakfast or snack. Try and get people to
preorder it so you can deliver it quickly.

Snack Foods Payment Form
Area: _____________
Payment /
Names Snack Type Amount Owed
Signature
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LESSON 21: KUTSINTA & PUTO SNACKS
• Produce kutsinta and puto snacks.

• Read over lesson outline and review kutsinta and puto recipes.
• Bring kutsinta and puto ingredients to demo and for the groups and 930 seeds.
Collect Payment The groups who received suman ingredients last week should pay it
Timing: 2 minutes back now.
Teach Kutsinta • Show all the ingredients.
Timing: 14 minutes • Chose 1 group to receive the ingredients.
Teach Puto • Show all the ingredients.
• Remind the other 2 groups that they will receive theirs next week!
Reminder: The groups who received snack ingredients needs to pay for it next week.
Kutsinta
Ingredients:
1. 1 cup Flour
2. 1 cup Brown Sugar
3. 1 cup Filtered Water
4. ¼ tsp Powdered Milk
5. Freshly grated Coconut
Directions:
1. Mix all the ingredients, except for the coconut, until smooth.
2. Pour the mixture into muffin molds.
3. Steam cook the molds for around 15 minutes.
4. Remove the kutsinta from the molds and add freshly grated coconut.
5. Wrap each kutsinta in banana leaf and then sell.
Puto
Ingredients:
1. 2 cups Flour
2. 1 cup White Sugar
3. ½ tsp Salt
4. 2 tsp Baking Powder
5. 1¾ cups Coconut Milk
6. Optional Topping: Freshly grated Coconut or Cheese.
Directions:
1. Mix the 1st 4 dry ingredients very well.
2. Add in the coconut milk and blend until smooth.
3. Allow the mixture to rest for 20 minutes.
4. Stir and then pour the mixture into muffin molds until 2/3 full.
5. Steam cook the molds for around 20-30 minutes.
6. If molds are paper, don’t remove the mold.
7. Place in container to be sold!

LESSON 22: TURON & BANANA CHIPS SNACKS
• Produce turon and banana snacks.

• Read over lesson outline and review turon and banana chips recipes.
• Bring turon and banana chips ingredients to demo and for the groups and 930 seeds.
Timing: 2 minutes back now.
Teach Turon • Show all the ingredients.
Timing: 14 minutes • Chose 1 group to receive the ingredients.
Teach Banana Chips • Show all the ingredients.
Reminder: The groups who received snack ingredients needs to pay for it next week.
Turon
Ingredients:
1. Ripe Saba Bananas
2. Brown Sugar
3. Cooking Oil
4. Lumpia Wrappers
Directions:
1. Peel and cut bananas into half, lengthwise.
2. Roll a banana half in sugar and wrap it in a lumpia wrapper.
3. Place the wrapped bananas into a pan of hot oil until golden
and crispy and then remove.
4. Best sold when still warm.
Banana Chips
Ingredients:
1. Ripe Bananas
2. Brown Sugar
3. Cooking Oil
Directions:
1. Peel and thinly slice the bananas.
2. Lightly coat the sliced bananas in sugar.
3. Place the banana pieces into a pan of hot oil until sugar caramelizes.
4. Allow the banana chips to cool and then package and sell.

Optional snacks that need further research before teaching in your area.
• Balut selling
• Roasted Peanuts/Peanut Brittle
• Fish Ball
• Casava cake
• Isaw/BBQ
• Banana-cue /Camote-cue

LESSON 23: TESTIMONIES & PERSONAL VISIONING
• Know personal goals and vision.

• Read over lesson outline and review personal visioning.
• Bring your personal goals/vision (to use as an example), 1 recipient plant scorecard (bring a camera to
take pictures of the recipients with their vegetable gardens), 1 Uplift livelihood tarpaulin and 930 seeds.
Timing: 2 minutesback now.
Livelihood Stories: Ask 2-3 recipients to briefly share their favorite part about the livelihood
Timing: 8 minutesteaching as well as how it helped them.
Personal Visioning • Importance of personal vision and goals. “Without a vision the people
perish”. Example: Great Commission (Mt 28:19-20).
• Share your example of personal vision and goals.
• Types of personal goals: family, education, housing and income
Timing: 10 minutes goals.
Personal Visioning Exercise Recipients should write down their personal vision and goals in their
record booklet.
Note: If there are some who can’t write, have the counselors help them
Timing: 10 minutes write their thoughts down.

Number of Healthy Signature of a
Recipient Name
Vegetable Plants Family Member
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

LESSON 24: GRADUATION & AWARD GIVING
At the end of this session the recipients should:
• Graduate from Transform VHL.

• All the recipients who are qualified (based on the recipients participation, H2H score card and visitation)
to join our VHL teachers training should be identified.
• Bring 2 grocery prizes (valuing P300 and P200), Uplift VHL graduation certificates, VHL teachers
training invitations and 930 seeds.

Program:
Top Livelihood Rewards! • Announce the family with the 2nd most healthy vegetable plants
and give them their grocery prize!
• Announce the family with the most healthy vegetable plants and
Timing: 7 minutes give them the grand prize!
Collect Worms Each group should repay ICM 250g of vermi.
Timing: 5 Minutes
Give out Seeds Give each recipient a pack of 30 seeds to practice organic
Timing: 2 Minutes farming.
Giving of Graduation Certificates All the recipients should receive a framed ICM VHL graduation
Timing: 10 minutes certificate.
Giving of Invitation to VHL Certification • Some of you have excelled through our program and we’d like
(optional) to give you the opportunity to become certified VHL trainers.
• ICM will hold a free 2 day VHL training in _________ on _____.
Food will be included.
• Announce the names of those who are invited and give them
Timing: 10 minutes their personalized invitation.

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