FINAL REPORT

In Jargalant, the number of households with livestock is significantly less compared with
other sums in Khovd: Only 9 (26%) of the surveyed households owned livestock. The reason
is that pasture land is limited near the aimag center. In total, they owned 150 goats, 54 sheep,
24 cattle and 4 horses. Income from livestock was mainly from selling cashmere, sheep wool,
and skins.
In addition to agricultural income, the households reported the following other sources of
income:
• Regular salary:ten households received 50,000 to 120,000 MNTper month
• Pensions and social welfare:two households received 9,000 MNT each for their three
children and 6 households received between 34,000 and 90,000 MNT pension per
month
Loans
Seven households (20%) received loans for crop farming:
Household Bank Amount Interest rate
1 KHAAN Bank 1,000,000 MNT (for greenhouse) 3.5%
2 KHAAN Bank 500,000 MNT 3.5%
3 Mongol Shuudan Bank 250,000 MNT 3.3%
4 Mongol Shuudan Bank 3,000,000 MNT 3%
5 Zoos Bank 800,000 MNT 3.5%
6 Khas Bank 200,000 MNT 3.5%
7 Khas Bank 300,000 MNT 3.3%
Table 33: Loans Received by Surveyed Households for Crop Farming, Jargalant sum 2006
Source: Survey results, June 2006
For those who have no permanent job except their agrarian business or other stable incomes,
getting a bank loan is difficult. Because the loan repayment conditions require interest
payment every month and in addition, the farmers must sell at low prices in autumn to repay
the loan. For above mentioned reasons many farmers are reluctant to receive bank loans.
Cooperation among households
The hospital farmers and the 25 households who received land from the sum administration
cooperate in irrigation work, cultivation and harvest. The remaining farmers answered that
they only cooperate with other farmers in terms of reconstructing dams, maintaining irrigation
channels or building water blockages. During harvest, friends, family members, and relatives
join their labour force but there is no such cooperation with other households.
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