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Ashoka housing for all

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Ashoka's Housing for All presentation.

Ashoka's Housing for All presentation.

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  • 1. HOUSING FOR ALL TEAM HILTI Meeting Participants Vishnu Swaminathan Housing for All Program Director - India vram@ashoka.org Valeria Budinich Chief Entrepreneur vbudinich@ashoka.org Jacques Rajotte Housing for All Program Director - Brazil jrajotte@ashoka.org Iman Bibars Director - Ashoka Arab World ibibars@ashoka.org Sadna Samaranayake Learning Team - India ssamaranayake@ashoka.org
  • 2. HFA OBJECTIVES “Trigger a fundamental shift in the way the business sector, citizen sector, and government sector work together” Pilot Demonstrations: Objective 1 • New Homes • India Demonstrate the power of business/social • Home Improvement alliances to address the housing needs of low- • Brazil income people through sustainable business • Colombia models scalable to diverse housing country • Egypt environments Objective 2 Enable a global competitive housing market of • Advancing innovation product and service providers serving millions of • Learning dissemination low-income families around the world • Enabling policies • Mobilize resources • Entrepreneurship
  • 3. HOUSING FOR ALL INDIA
  • 4. India Housing for All as the enabler Developer CSO Land Retail Housing Finance providers Architects, Suppliers etc 36
  • 5. India HFA INDIA TARGET SEGMENT Price of Homes Household income p.m > 50 Lakhs INR > 75,000 INR (>100,000 USD) (>1800 USD) > 20 lakhs INR > 40,000 (>40,000 USD) (>900 USD) >4 lakhs INR >8,000 < 15 lakhs INR < 25,000 (>8,000 & <30,000 USD) (>200 & <500 USD) H New Homes < 4 lakhs INR < 8,000 (<8,000 USD) (<200 USD) Home Improvements
  • 6. India STAKEHOLDERS OF HFA INDIA DEVELOPERS  +  CSO’S  +  ARCHITECTS       BENEFICIARIES FROM  OLD  TO  NEW  HOUSING
  • 7. India HOUSING FOR ALL - DESIGN
  • 8. 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
  • 9. India IMPACT • 4 States - 10000+ homes by mid 2011 Ahmedabad 2400+ homes 3 models 5 partnerships • Aim for One state - One Pilot Pune 750+ home`s 2 models 3 partnerships • 4 models of engagement but evolving models between Bangalore Chennai 3000+ homes partners 3000+ homes 2 models 1 model 3 partnerships 3 partnerships • Over $100 mill in market creation
  • 10. India MOVING FORWARD 150000 112500 75000 37500 0 2008 2010 2012 2014 2016 2018 2020 HFA Impact 42
  • 11. India CAN WE MATCH THE DEMAND? 60000000 45000000 30000000 15000000 0 2008 2010 2012 2014 2016 2018 2020 HFA Impact Housing Demand 43
  • 12. India HFA POTENTIAL 70000000 52500000 35000000 17500000 0 2008 2010 2012 2014 2016 2018 2020 2030 2040 HFA Impact Housing Demand Potential Impact 44
  • 13. India KEY STRATEGIES FOR SCALE UP 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 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 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. ➍ Homechangers - An ongoing urban design challenge scouting and documenting the best ideas on the open source platform for affordable housing
  • 14. India HOUSING FOR ALL PLATFORM
  • 15. India POLICY PLAYERS Council Thought Leaders Panel Knowledge Experts Energy Construction Design Environment Community Sept-Nov 2010 Dec-Feb 2011 Mar-May 2011 June -Aug 2011 Sept - Nov 2011
  • 16. India BUILDING HOMES, BUILDING A FUTURE
  • 17. HOUSING FOR ALL BRAZIL
  • 18. Brazil Priv } ate s e ons cto r izati rgan HFA BRAZIL ial O Advisory Committee P Soc ubli Se c ctor ns utio In stit nc ial a Fin
  • 19. Housing Brazil Brazil for All The MODEL SCALE-UP Financial Citizen sector • Expand with Banco do • Strategic alliances Access to housing micro credit Nordeste (>600,000 clients) of Cearah Periferia with oth Institutions organizations • Engage new nancial social organisations institutions • Caixa Economica Federal Access to technical assistance and (Construcard: >200,000 related services clients) • Santander MicroCredit (>120,000 clients) • Santander (8 million clients)
  • 20. Housing Brazil Brazil for All 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 Ilo (right-hand) a service area. dream on bathroom and drew his family’s 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 “It’s been wonderful; we plan to pay it all back and then move on to the next phase.” parents and children.
  • 21. Brazil The MODEL PARTNERS Eliminate Barriers to Access for Home Improvement for Low-income Populations • Financial institutions • Manufacturers • Low-income housing • Retail stores organizations • Professionals • Dwellers associations • Marketing research • Community • Social venture fund associations • Foundations
  • 22. Brazil 2010-2011 Action Plan Development of a Creation of a Fund Development of web b2s platform Raise awareness in partnership with Source innovations Home for home IDB Improvement Fund improvement Consolidate know- Partnership with how and best Promotional Incubate new Changemakers for Access to capital for practices, and campaign solutions Global Housing housing loans promote new partnerships Competition
  • 23. Brazil ADVISORY COMMITTEE 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
  • 24. Brazil IMPACT 2014 EXTERNAL ADOPTION AND 40,000-60,000 100,000-200,000 FAMILIES/YEAR FAMILIES/YEAR STARTING WITH 2014 STARTING WITH 2014
  • 25. HFA GLOBAL VIDEO PREVIEW BRAZIL FOCUS
  • 26. HOUSING FOR ALL COLOMBIA
  • 27. Colombia HOME IMPROVEMENTS - COLOMBIA Business Citizen Sector Organizations 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) Enable a sustainable and scalable system to deliver integrated housing solutions: TA + building materials + construction services + financing (Phase 2 – in-progress)
  • 28. India 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
  • 29. HOUSING FOR ALL EGYPT
  • 30. Egypt HOME IMPROVEMENTS - EGYPT Business Citizen Sector Organizations Communities buy in Two private sector partners Three universities on board as partners 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
  • 31. 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
  • 32. Egypt PHASE ONE: AL DAWAR
  • 33. Egypt NEXT STEPS FOR SUSTAINABILITY In five years, HFA will have improved and/or constructed 18,355 housing units and provided 44,600 working construction days AL 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 14% Ashoka + CSO’s 35% Communities in need for Homes Business Sector + Housing Companies 51%
  • 34. HOUSING FOR ALL CONSOLIDATED LEARNINGS
  • 35. 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
  • 36. 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
  • 37. EVOLUTION OF ASHOKA’S ROLE Hands-on Facilitator Market Enabler Enabler of Platforms for Engage One Partner at a Time Collaboration & Learning One Pilot at a Time Industry Transformation
  • 38. HOUSING FOR ALL OUTLOOK - 12M Scaling up Country level Global Applications Knowledge Platform • Re ning Models Launch • Accelerating Impact Summit of Entrepreneurs • Learning Tools Dec’ 2010 • Housing Innovation Report • Global HFA community • Enable self-multiplying HFA applications
  • 39. VIELEN DANK!