overview of the finish project, east africa workshop on microfinance for sanitation, dar es salaam,...

Embedding Financial Inclusion into Sanitation ProgramsLessons from FINISH India

Dar es Salaam16th May 2014

Vijay AthreyeCo Founder FINISH

Presentation Flow

• Sanitation in India in 2013• FINISH Global PPP• FINISH Process • Financial Inclusion in Asset Creation• FINISH India Assets … Source of Funding• Results 2008-2014 and Program Sustainability• Thousand Words• FINISH INK• Unfinished Agenda04/13/23 Financial INclusion Improves Sanitation

and Health

Sanitation In India --2013• Mobile phones > toilets.• 50 % of global open defecators in India…Unsafe Sanitation

Impacts water sources , nutrition , morbidity, and infant mortality

• Godliness > cleanliness… 15 0 mn toilets shortfall for ODF• Millennium Development Goals … Lags in Infant mortality ,

poverty , health & sanitation• Significant Data Variance … 70/30… DWS/Census 2011• UNICEF

• Poor Sanitation health cost –6.4 % of GDP• Death of 1000 children per day

• Subsidy on household toilets > Rs 9000 …. • Nirmal Gram Puraskar for ODF communities04/13/23 Financial INclusion Improves Sanitation

and Health

04/13/23 Financial INclusion Improves Sanitation and Health

Financial INclusion Improves Sanitation and Health

04/13/23

FINISH(GLOBAL PPP )

Project Management Board

and PIT

Concept Partner

NGO/MFIRDO/GK

AcademiaUN UNIV /IFS

(Maastricht/Lon

don )

DONORDGIS/ NBA

Concept partner

InsuranceTALIC

PromoterWASTE(Holland)

Sanitation Advisors

PromoterSNS REAALWater*Fund

(Holland)

FI’s /DFINHB/

NABARD

16 MFI42 NGO’S3 Coop’sI direct

Health &

Sanitation

Health &

Sanitation

Rural Financially excluded Communities

04/13/23 Financial INclusion Improves Sanitation and Health

1. Awareness

&BCC

1. Awareness

&BCC

2. Stakeholder

Capacity building

2. Stakeholder

Capacity building

FINISH Process

SafeSanitatio

n

SafeSanitatio

n

3.FinancialInclusion

3.FinancialInclusion

WillingFor

Sanitation

WillingFor

Sanitation

Sanitation

Assets

Sanitation

Assets

4.SanitationDensities

4.SanitationDensities Communi

ty healthCommunity health

5.Financial

Incentives &

BCC

5.Financial

Incentives &

BCC

Usage Sustainab

ility

Usage Sustainab

ility

FI in Asset Creation

NBA/MNREGA

NBA/MNREGA

BeneficiaryBeneficiary

CSRCSR

MFI/SHGMFI/SHG

SupplierSupplier

FUNDINGSOURCES

FUNDINGSOURCES

New ToiletNew Toilet

Refurbish ToiletRefurbish Toilet

Bridge FinanceBridge Finance

GapFinance

GapFinance

MicrocreditMicrocredit

CATEGORY

CATEGORY

Other DonorsOther

Donors

BANK/DFICr. Coop

BANK/DFICr. Coop

Community Community

FINISH + SIFFINISH + SIF

RE USE

RE USE

ENERGYENERGY

FERTLZRFERTLZR

SubsidyFinanceSubsidyFinance

FINISH India Assets … Source of Funding

04/13/23 Financial INclusion Improves Sanitation and Health

Results 09-14 and Sustainability• Results

• Eleven states.. …… 1/10 of India• 25 member PIT,61 Partners.• One Toilet in Three Minutes• 1000 villages OBA for Density

• 75 % -- GP’s ( HH <1000 )• 25% … Hamlets ( HH >100)

• Sustainability ( Project-Program )• FINISH Society … Non Profit• FSMC … For Profit ( WIP )

• Supply chain --- 5 Rural Sanitary Mart• Toilet linked Bio gas

• Environment, Social and Financial SS04/13/23 Financial INclusion Improves Sanitation

and Health

If we lost all our trees

Thousand Words………..

04/13/23 Financial INclusion Improves Sanitation and Health

Thousand Words………..

04/13/23 Financial INclusion Improves Sanitation and Health

04/13/23 Financial INclusion Improves Sanitation and Health

FINISH INK ( FINISH IN Kenya )

04/13/23

FINISH(GLOBAL PPP )

Project Management Board

and PIT

Concept PartnerFINISH INDIA

AcademiaUN UNIV /IFS

(Maastricht/Lon

don )

DONORDutch

Economic

Affairs

Concept partner

InsuranceTBD

PromoterWASTE(Holland)

Sanitation Advisors

PromoterSNS REAALWater*Fund

(Holland)

Ministry of health

AMREF/K-REP/

KWWB

Health &

Sanitation

Health &

Sanitation

Busia and Khilifi County

04/13/23 Financial INclusion Improves Sanitation and Health

Thanks for your attentionvijayathreye@gmail.com

Thanks for your attentionvijayathreye@gmail.com

UNFINISHED AGENDA