Valeria BudinichChief Entrepreneurvbudinich@ashoka.org

Iman BibarsDirector - Ashoka Arab Worldibibars@ashoka.org

Vishnu SwaminathanHousing for All Program Director - Indiavram@ashoka.org

Jacques RajotteHousing for All Program Director - Braziljrajotte@ashoka.org

Sadna SamaranayakeLearning Team - Indiassamaranayake@ashoka.org

HOUSING FOR ALL TEAMHILTI Meeting Participants

HFA OBJECTIVES

“Trigger a fundamental shift in the way the business sector, citizen sector, and government sector work together”

Objective 1Demonstrate the power of business/social alliances to address the housing needs of low-income people through sustainable business models scalable to diverse housing country environments

Pilot Demonstrations: • New Homes

• India• Home Improvement

• Brazil• Colombia• Egypt

• Advancing innovation• Learning dissemination• Enabling policies• Mobilize resources• Entrepreneurship

Objective 2 Enable a global competitive housing market of product and service providers serving millions of low-income families around the world

HOUSING FOR ALLINDIA

36

Developer CSO

Land

Retail Housing Finance providers

Architects, Suppliers etc

Housing for All as the enabler

India

Price of Homes Household income p.m

> 50 Lakhs INR(>100,000 USD)

> 75,000 INR(>1800 USD)

H

Home Improvements

> 20 lakhs INR(>40,000 USD)

> 40,000(>900 USD)

>4 lakhs INR< 15 lakhs INR

(>8,000 & <30,000 USD)

>8,000 < 25,000

(>200 & <500 USD)New Homes

< 4 lakhs INR(<8,000 USD)

< 8,000(<200 USD)

HFA INDIA TARGET SEGMENT

India

STAKEHOLDERS OF HFA INDIA

DEVELOPERS  +  CSO’S  +  ARCHITECTS       BENEFICIARIES FROM  OLD  TO  NEW  HOUSING

India

HOUSING FOR ALL - DESIGN

India

MODELS OF ENGAGEMENT

➊ CSO as Exclusive Demand Aggregator - This has proven to be a very simple and direct engagement between developer and CSO. Scale up will primarily happen through this model

➋ CSO on Board of Directors- This model has shown deeper engagement between CSO and developers and key learnings have come in the area of customer !nance requirements

➌ CSO as Joint Venture Partner - Large CSO will like this model and already the model has seen favorable collaborations outside Gujarat as well

➍ CSO as Design Partner - CSO’s with design and architecture skills see a great collaboration in this model of engagement

India

• 4 States - 10000+ homes by mid 2011

• Aim for One state - One Pilot

• 4 models of engagement but evolving models between partners

• Over $100 mill in market creation

IMPACT

Ahmedabad2400+ homes

3 models 5 partnerships

Pune750+ home`s2 models 3 partnerships

Chennai3000+ homes1 model 3 partnerships

Bangalore3000+ homes

2 models 3 partnerships

India

42

0

37500

75000

112500

150000

2008 2010 2012 2014 2016 2018 2020

HFA Impact

MOVING FORWARD

India

43

0

15000000

30000000

45000000

60000000

2008 2010 2012 2014 2016 2018 2020

HFA Impact Housing Demand

CAN WE MATCH THE DEMAND?

India

44

0

17500000

35000000

52500000

70000000

2008 2010 2012 2014 2016 2018 2020 2030 2040

HFA Impact Housing Demand Potential Impact

HFA POTENTIAL

India

KEY STRATEGIES FOR SCALE UP

➌ HILTI-Ashoka Entrepreneurs - A special category of Entrepreneurs focussed on housing including - design, government intervention, property rights and all areas of housing for the under served.

➋ Affordable Housing National Standard - A national policy for India drafted with the learnings of Ashoka and all global partners leading to setting up of a Affordable Housing Council

➊ Housing for All Platform - An online and offline tool which enables all stakeholders to get together to deliver high quality homes for the low income population without the need for hand-holding

➍ Homechangers - An ongoing urban design challenge scouting and documenting the best ideas on the open source platform for affordable housing

India

HOUSING FOR ALL PLATFORM

India

POLICY PLAYERS

K n o w l e d g e E x p e r t s

T h o u g h t L e a d e r s P a n e l

C o u n c i l

Energy

Sept-Nov 2010

Construction

Dec-Feb 2011

Design

Mar-May 2011

Environment

June -Aug 2011

Community

Sept - Nov 2011

India

BUILDING HOMES, BUILDING A FUTURE

India

HOUSING FOR ALLBRAZIL

Private sector

Financial Institutions

Soci

al O

rgan

izatio

ns

Public Sector

Brazil

HFA BRAZILAdvisory

Committee}

Financial Institutions

Citizen sector organizationsAccess to housing micro credit

Access to technical assistance and related services

Housing for All Brazil

• Expand with Banco do Nordeste (>600,000 clients)• Engage new "nancial

institutions• Caixa Economica Federal

(Construcard: >200,000 clients)• Santander MicroCredit

(>120,000 clients)• Santander (8 million clients)

The MODEL

• Strategic alliances of Cearah Periferia with other social organisations

SCALE-UP

Brazil

Housing for All Brazil

Lindalva and Ilo dream to build a house big enough for their three children and sister-in-law.

Today they all sleep in one room, but their dream is to build a room for each of their children.

Reforma Mais has provided them with credit and technical assistance for starting to build a second floor to their home. Over time, the floor will accommodate three rooms, a bathroom and a service area.

“It’s been wonderful; we plan to pay it all back and then move on to the next phase.”

Ilo (right-hand) drew his family’s dream on paper. With Reforma Mais, Ilo and his family were able to translate that drawing into a new space for all the family to enjoy.

One of the immediate benefits of home improvement is to provide privacy to both parents and children.

Brazil

• Financial institutions• Manufacturers• Retail stores• Professionals• Marketing research• Social venture fund

• Low-income housing organizations

• Dwellers associations• Community

associations• Foundations

Eliminate Barriers to Access for Home Improvement for Low-income

Populations

PARTNERSThe MODEL

Brazil

2010-2011 Action Plan

Development of a web b2s platform

for home improvement

Promotional campaign

Creation of a Fund in partnership with

IDB

Partnership with Changemakers for

Global Housing Competition

Development of Home

Improvement FundRaise awareness Source innovations

Incubate new solutions

Consolidate know-how and best practices, and promote new partnerships

Access to capital for housing loans

Brazil

Main Proposals

• Proposal to FGTS - Housing Microcredit Fund

• Guaranty Fund for Microcredit

• Construcard (Caixa Economica) – Compulsory technical assistance • Committee on Home Improvement - Council of the Cities

• Create a “Clube da Reforma” Seal

ADVISORY COMMITTEE

Brazil

40,000-60,000FAMILIES/YEAR

STARTING WITH 2014

100,000-200,000FAMILIES/YEAR

STARTING WITH 2014

EXTERNAL ADOPTIONAND

IMPACT 2014

Brazil

HFA GLOBAL VIDEO PREVIEWBRAZIL FOCUS

HOUSING FOR ALLCOLOMBIA

Business Citizen Sector Organizations

HOME IMPROVEMENTS - COLOMBIA

HFA Colombia Program Objectives

Demonstrate that home improvement solutions can be delivered profitably and at a scale by companies partnering with citizen sector organizations (Phase 1 - completed)

Colombia

Enable a sustainable and scalable system to deliver integrated housing solutions: TA + building materials + construction services + financing (Phase 2 – in-progress)

HFA COLOMBIA HIGHLIGHTS

At the level of Colceramicas (Phase 1)

28,000 families benefited Over US$ 11.7 million in sales by Colceramicas (ex. ceramic tiles and bathrooms) 179 new jobs created for women serving as sales promoters in 8 Colombian cities Program continues its national expansion as a profitably business unit

At the level of a new consortium of companies and CSO’s (Phase 2)

Finalizing business plan and core partnerships for HIFE, new home improvement financial entity to be launch the first quarter of 2011

Developed business plan for Alianza para una Vida Digna, a new sales and distribution network – owned by CSO’s - being launched in December’2010

India

HOUSING FOR ALLEGYPT

Business Citizen Sector Organizations

HOME IMPROVEMENTS - EGYPT

HFA Egypt Program Objectives

Establish Housing for All Centers as profitable models to deliver financing for home improvement and technical assistance

Explore partnerships with formal financial institutions and large private companies

Communities buy in

Two private sector partners

Three universities on boardas partners

Egypt

AL DAWAR - PRODUCTS & SERVICES

Home Improvement Microfinance

Al Dawar Cooperative enables Microfinance institutions of Fellows to provide credit in 4 different sub regions Micro credit operations will breakeven in 40 months and continue to grow HFA centers

Technical Assistance

Al Dawar HFA centers will provide TA to clients through their civil engineers and agreements with Universities

Building Material through Private Sector Suppliers

Construction companies will provide material to Al Dawar as a business transaction

Egypt

Egypt

PHASE ONE: AL DAWAR

NEXT STEPS FOR SUSTAINABILITY

In five years, HFA will have improved and/or constructed 18,355 housing units and provided 44,600 working construction daysAL Dawar cooperative will expand to other housing products in the future. It will start with 4 MFIs but in 5 years will include at least 8 MFIs

51%

35%

14%Ashoka + CSO’sCommunities in need for HomesBusiness Sector + Housing Companies

Egypt

HOUSING FOR ALLCONSOLIDATED LEARNINGS

CONSOLIDATED LEARNINGS 2008-2010

What has not worked

Initial local partners in Brazil were not strong and as a result Ashoka ended up too involved at the grassroots level In the !rst pilot, we tried to do too much as opposed to focus on a few variables like !nancing + technical assistance Ashoka’s slow recruitment process has generated delays in the launching of some of the pilots

What worked!

Rapidly mobilized signi!cant partnerships with leading companies and citizen sector organizations in four countries Leveraged the knowledge of Ashoka Fellows and their local networks Established the basis for the launching a global housing community of like-minded partners entrepreneurs

KEY SUCCESS FACTORS

➊ Appropriate local market context and competitive environment

➋ Mission alignment for all entrepreneurs involved: pro"t & impact

➌ The right balance in terms of scale and motivation of partners

➍ Scalable Win-Win value propositions for ALL partners

➎ Strong networks at the community level

➏ Focus, Focus, Focus

EVOLUTION OF ASHOKA’S ROLE

Hands-on Facilitator Market Enabler

Engage One Partner at a Time Enabler of Platforms for Collaboration & Learning

One Pilot at a Time Industry Transformation

HOUSING FOR ALL OUTLOOK - 12M

Summit of EntrepreneursDec’ 2010

• Global HFA community • Enable self-multiplying HFA

applications

GlobalKnowledgePlatformLaunch

• Learning Tools• Housing Innovation Report

Scaling upCountrylevelApplications

• Re"ning Models• Accelerating Impact

VIELEN DANK!