Ashoka housing for all

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

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

HOUSING FOR ALL INDIA

India Housing for All as the enabler Developer CSO Land Retail Housing Finance providers Architects, Suppliers etc 36

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

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 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

India MOVING FORWARD 150000 112500 75000 37500 0 2008 2010 2012 2014 2016 2018 2020 HFA Impact 42

India CAN WE MATCH THE DEMAND? 60000000 45000000 30000000 15000000 0 2008 2010 2012 2014 2016 2018 2020 HFA Impact Housing Demand 43

India HFA POTENTIAL 70000000 52500000 35000000 17500000 0 2008 2010 2012 2014 2016 2018 2020 2030 2040 HFA Impact Housing Demand Potential Impact 44

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

India HOUSING FOR ALL PLATFORM

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

India BUILDING HOMES, BUILDING A FUTURE

HOUSING FOR ALL BRAZIL

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

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)

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.

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

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

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

Brazil IMPACT 2014 EXTERNAL ADOPTION AND 40,000-60,000 100,000-200,000 FAMILIES/YEAR FAMILIES/YEAR STARTING WITH 2014 STARTING WITH 2014

HFA GLOBAL VIDEO PREVIEW BRAZIL FOCUS

HOUSING FOR ALL COLOMBIA

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)

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

HOUSING FOR ALL EGYPT

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

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 PHASE ONE: AL DAWAR

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%

HOUSING FOR ALL CONSOLIDATED 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 Enabler of Platforms for Engage One Partner at a Time Collaboration & Learning One Pilot at a Time Industry Transformation

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

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Ashoka housing for all

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