FINAL REPORT

Pension
and
Child's
allowance
8,6 %
Salaries
8,4 %
Animal
husbandry
9 %
Cultivation
agriculture
73%
Photo 12: Agropastoralists
Photo by P. Myagmartseren, June 2006
Source: Survey results, June 2006
Figure 77: Shares of Household Income
Other income sources of survey respondents
Besides crop farming, 71.6% of surveyed households also own livestock, predominantly goats
followed by sheep and cattle. Half of these households leave their livestock at relatives, the
remaining employ herdsmen or split the workload among family members.
Total revenues from marketing livestock products, amounted to approximately 430,000 MNT
per household on average. Further sources of revenue were pensions and child’s allowances,
amounting 392.500 MNT per household on average. Thus, on average household’s income
was almost 4.6 million MNTof which 74 % were generated from cultivation agriculture, 9 %
from animal husbandry and 8.6 % from pensions and children’s allowances and 8.4 % from
salaries (see Fig. 77).
Loans
41 households answered that they received bank loans, mostly from KHAAN, Mongol
shuudan- and Zoos Bank. The loans amounted from 150,000 to 500,000 MNT with 3.5%
interest rates per month. For those who have no official employment, getting a bank loan is a
difficult task. Loan repayment conditions require interest payment every month and in
addition, to pay the loan within the time limit, the farmers need to sell their harvest in autumn
at low prices. Households with livestock cover the interest with income from cashmere and
repay the loan after harvest.
132