credit for creation of hygiene assets_leaf society_2014
DESCRIPTION
Leaf Society in Namakkal district, TN works extensively in the area of water and sanitation. They currently promote the concept of dignified sanitation solutions by modifying the size and utility of toilets to be constructed. They leverage funds from various sources - MNREGS, NABARD, NBA, etc in order to get people to build toilets and use them.TRANSCRIPT
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LEAF Society Namakkal www.leafsociety.in
Credit for Hygiene Asset’s Creation - CHAC…
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04/10/2023
www.leafsociety.in
About LEAF Society Promotion of dignified sanitation & drinking water
practices – constructed 1000 toilets & having a target of – 10,000 toilets
Working with convergence of MNREGAS & NBA Sanitation loans of NABARD Increasing negotiating skills of rural & tribal
communities using RTI act of India – filed 1600 RTI applications
Providing JOYFUL Learning opportunities for Children – 520 Children-
CHILD Protection through CHILDLINE 1098 – 10,000 school children
Stopped 80 Child marriages and rescued 300 children
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Some basic facts… Every 20 second a child is being killed due to water
borne diseases around the world 37.7m people are affected by water borne diseases
In India 1.5 million children are estimated to die of diarrhea
in India 73 million working days are lost In India As per World Bank’s estimate poor water &
sanitation practices cost us 6.4% of GDP or 53.8% billion or 2.4 Trillion every year
By 2020 India will be a water stressed nation Major issues of arsenic, fluoride, iron and other
pollutions Open defection is the biggest source of source of
pollution and contamination
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OUR JFL Children
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Some basic facts… Census 2011 reveals that more than 50%
Indian are ease themselves in open More than 65% households have mobiles Each gram of human feces contains –
10,00,0000 viruses, 1,00,000 bacteria, 1,000 parasites cysts and 100 parasite eggs
More than 70% of our rural population do not have access to safe sanitation practices
Open defection is the biggest sources of contamination & pollution
Poor sanitation practices results in many water borne diseases includes, fever, jaundice, cholera, diarrhea, skin disease, etc
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www.leafsociety.in
FOUR SQUARE APPROACH
• Meeting the demand with credit supply
• Innovative multimedia & BCC campaigns
• Exclusive water & Sanitation society’s
• Children as change agents
Through JFL & Positive addiction
Committees and Trainings
BCC
Value addition through kitchen
garden, loans
Sensitization & door to
door campaigns
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SQR: 1Using Children as change agents… Having JOYFUL Learning centers in villages Working with Government School children Innovative BCC & IPC tools for children Using Psychological techniques of Rewards &
Reinforcements Positive Addiction Stimulation of Sub Conscious brain Snake & ladder, memory card games, booklets &
pamphlets Hygiene dairy being used by 15000 school
children in Tamilnadu and 25,000 are being printed
Trying to influence school curriculum of Tamilnadu
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Positive Addiction techniques…
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04/10/2023
www.leafsociety.in
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SQR: 2 Promotion of Exclusive Women Sanitation Societies
Practices thrift & savings for Hygiene & sanitation
Internal lending for toilets Training on Personal Hygiene, SLWM, menstrual hygiene
Linkages with external agencies
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SQR: 3 Innovative multimedia campaign of LEAF
Society Intensive BCC/IPC/IEC among communities Using various tools and techniques LEAF Society has developed memory game,
personal hygiene train game, short films, hand wash demo, puppet show, folk arts, folk songs, snake & ladder game, flip charts, flash cards, booklets on kitchen garden, joyful learning, RTI, cost effective toilet construction methods, pamphlets, CD’s, DVD’s and many more…
Demand created among children women and communities
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Psychological Techniques of Reward and
Reinforcements
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SQR: 4 CREDIT for CREATING HYGINE ASSETS Meet the demand with capital supply Funds leverage through various
sources MNREGAS & NBA Convergence MFI Linkage- GUARDIAN Women Societies loans NABARD loans Pudhuvazhvu schemeOthers
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Sanitation loan from NABARDConvincing period of one year Make them believe sanitation
credit is need of the hour Applied under Rural Innovation
Fund RIFSanctioned under Non Farming
Sector- NFS District – State – Mumbai level
sanction Rs. 15,00,000 for 150 units @ Rs.
10,000/unit 100 loans has been disbursed
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Sanitation loan from NABARD RoI – 7%Spread: 5%LEAF Society lends @ 12% pa- diminishing balance
Repayment duration: 24 months Half yearly repayment On lending Grant support of Rs. 3.5 lakhs for two years
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LEAF’s Criteria’s for loans Toilets – Rs. 10,000 @12%pa Only to the members of Women Sanitation
Societies Should have the practice of savings for
hygiene Willingness to construct toilet with in 30
days of loan Pit(s) should be ready before loan
application Design suggested by LEAF Society Willingness to adopt basic technical
guidance on pit, placing the pan, etc
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Loan details Repayment in 10 months Agreement from Sanitation society on repayment, construction & usage
DPN from members Loan repayment card along with technical details
Motivating families to contribute
Making sure the loan converted in to permanent assets
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Sanitation Products of LEAF Society
Source Type of funds
Amount RoI Repayment period
Potential
MNREGAS & NBA
Grant 11,100 0 0 10,000 units
GUARDIAN Loan 10,000 24% 18m 5,000
NABARD Loan 10,000 12% 10m 10,000
Women Societies
Loan 10,000- 12,000
24% 10m 500
Demand Loan 10,000 12-24% 12m 1,00,000
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Folk Art – Villupaattu
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Potential for other products Toilets Water connectionsRainwater Harvesting Incinerators Bio gas Water tanks
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Highlights…Dignified sanitation solutions Average cost of a toilet Rs. 24,000Lowest Rs. 8,000 – Rs. 1, 00,000Our loans are incentive &
motivation factorMost of them are latrine+ bath
attached Rs. 2.4 crores has been mobilized
towards sanitation 80% of the investment ploughed
back in to local economy
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Highlights … 8,000 person days of employment has
been generated Hundreds of Tons of human waste has
been disposed safely Creating a linkage for subsidy from
MNREGA & NBA- Rs. 10,200 Huge lending potential in sanitation
requires at least 100 crore pa in Namakkal
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Challenges…. Conventional bankers mindset on RoI from
toilets Heavily subsidized climate Frequent changes of Government policies Confusing signals from NBA Requires intensive monitoring & follow up,
which may affect the cost of delivery & collection
No big players Money lenders prohibition act? Attitudes of communities towards
sanitation
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Thanks….