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 Agenda04/12/23 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 communities04/12/23 Financial INclusion Improves Sanitation
and Health
04/12/23 Financial INclusion Improves Sanitation and Health
Financial INclusion Improves Sanitation and Health
04/12/23
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
04/12/23 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
04/12/23 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 SS04/12/23 Financial INclusion Improves Sanitation
and Health
If we lost all our trees
Thousand Words………..
04/12/23 Financial INclusion Improves Sanitation and Health
Thousand Words………..
04/12/23 Financial INclusion Improves Sanitation and Health
04/12/23 Financial INclusion Improves Sanitation and Health
FINISH INK ( FINISH IN Kenya )
04/12/23
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
04/12/23 Financial INclusion Improves Sanitation and Health
Thanks for your [email protected]
Thanks for your [email protected]
UNFINISHED AGENDA