Finish Presentation 1 All About Finish

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sanitation project in India

Text of Finish Presentation 1 All About Finish

  • 1. FINISH: The Project Financial INclusion Improves Sanitation and Health

2. ExpandedFFinancialIN InclusionIImprovesSSanitation &HHealth Financial INclusion Improves Sanitation and Health 3. OriginsLate 2008ConceivedMarch 2009 ConceptualizedOctober 2009 ImplementedMarch 2014 Anticipated closure Financial INclusion Improves Sanitation and Health 4. Founding PartnersWASTE Environment & Waste Management NGO HollandSNS REALL Assurance CompanyHollandUNU MERIT University HollandTata-AIGInsurance CompanyIndiaBISWA Micro-Finance Institution & NGOIndia Financial INclusion Improves Sanitation and Health 5. Vision , Mission and GoalVisionVisible change in sanitary, hygiene and health standardsMissionCreating sanitation awareness among the peopleEnabling the financially excluded to access credit to buildtoiletsGoalImproved sanitation for I million households by 2014. Financial INclusion Improves Sanitation and Health 6. FINISH PhilosophyFinancial Inclusion Overall: Use micro-credit and micro-insurance as financialincentives for behaviour change in sanitation Sanitation can affect and be affected by micro-finance But micro-finance is micro-credit plus micro-insurance Preferential access to household insurance reducesdelinquency risk and thus makes more and friendliermicrocredit available Financial INclusion Improves Sanitation and Health 7. Micro-credit & Sanitation Create a demand for a sanitation micro-loan Show a toilet is a livelihood asset - not just a health asset Move towards priority sector lending home improvement Stress re-finance possibilities But beware moral hazards of sanitation loans by evolvingprocedures to suit Financial INclusion Improves Sanitation and Health 8. Micro-insurance & Sanitation Sanitation can impact the availability of life and healthmicro Insurance Claims data that validate health benefits of sanitationcan monetize sanitation assets Long term goal: A primary care product withunderwriting based on sanitationFinancial INclusion Improves Sanitation and Health 9. FINISH PhilosophySafe Rural Sanitation Overall: Sustainable development of safe rural sanitation But safe sanitation not just for dignity, convenience oraesthetics alone but for (1) monetized health benefitsand (2) pride of ownership Safe sanitation means paying careful attention to details:e.g., for design and construction: Soil and Topography Water sources and table Water availability Financial INclusion Improves Sanitation and Health 10. FINISH Philosophy Safe Rural Sanitation Safe sanitation also means creating awareness andchanging habits, through IEC: Mass-media and face to face communication Continued monitoring of usage. Stakeholder capacity building that reiterates keymessages Emphasis on recycle and reuse possibilities Safe sanitation also means encouraging innovation: e.g.,SIF /donor tie upsFinancial INclusion Improves Sanitation and Health 11. FINISH PhilosophySafe SanitationSince urban sanitation is resource-intensive: Expensive sewerage lines and centralized STP More water for flushing Greater energy useDoes not recycle or recover nutrientsAnd yet is subsidized Fiscal benefits on housing loans State-owned sewerage lines and treatment plantsIs there a case for asking governments to subsidize thetreatment system (construction of pits) in ruraldecentralized sanitation systems?Financial INclusion Improves Sanitation and Health 12. FINISH PhilosophyHealth Micro Health Insurance is a self-fulfilling prophesy! Densities crucial for health impacts of improved sanitation hence access to credit angle is critical! Annual cost of poor sanitation = potential savings due toimproved sanitation & hygiene: Householdlevel: 34% reduction in annual diarrhealincidents with hand washing National-level: Rs 2 lakh crores (6.4% of Indias GDP) Financial INclusion Improves Sanitation and Health 13. Significance of DensitiesFinancial InclusionLowers operational costsInsurance and health schemes follow Law of large numbersSustains demand due to higher visibility and demonstration effectsSanitationEnhances awareness creation enhancedImproves construction quality and makes it more uniformEncourages the use of alternative materialsLowers costs of monitoring usageHealth Imperative SurveyingGeneral Strategic impact to partner and FINISH Society community engagement Financial INclusion Improves Sanitation and Health 14. FINISH MethodologyPartnering with GovernmentProject Management Board with NABARD & NHBProject implementation TeamAcademic monitoring & evaluation and resource baseFinancial EngineeringWorking with partners: selection, enlistment, capacitybuilding and engagementFinancial INclusion Improves Sanitation and Health 15. FINISH Program Support Animator Allowance Output Based Aid Coordinator Allowance Sanitation Investment Fund IEC materials supply Financial Inclusion Linkagesand disseminationwith Financial Technology ,Training Intermediariesand capacity building Linkages with other donors Baseline Survey AdvocacyFinancial INclusion Improves Sanitation and Health 16. ChallengesMFI Crisis liquidity , Change in Grassroots ModelPriority sector status MalegamGovernment program Linkages , Capital/Interest SubsidyControl of Moral hazards vis a vis Scale of operationInsurers interest ?Cost InflationRising Interest rates regimeAbsence of Pull factorData Inconsistencies Financial INclusion Improves Sanitation and Health 17. Current Status1.30 lakh Safe Sanitation Systems currently being verifiedEight implementation partners across six StatesSociety MFINBFC MFITrust MFINGO managing SHG FederationIECFilm Lets make it Right in five regional languagesBackend engineering in progressStakeholder meet on IEC and responsible investingTraining and capacity building modulesDonors and financing partnersSIF pilotsFinancial INclusion Improves Sanitation and Health 18. The Way ForwardDe-risking --- PIT . More than 50 partners by EOPFINISH SocietyInsurance linkagesCSR LinkagesFI and Bank linkagesAdvocacyImproved capacity buildingPartner EngagementFinancial INclusion Improves Sanitation and Health 19. For more informationPlease visit www.finishsociety.comOr emailshirishumrey@yahoo.com Financial INclusion Improves Sanitation and Health